Mortgage Broker Broadcast

Send us Fan Mail The network you choose as an appointed representative can change far more than your commission split. It can shape how free you feel, how confident you operate, and whether your day-to-day work feels like the business you meant to build or a new version of the corporate machine you tried to leave behind. We dig into what “network culture” really means for a mortgage broker, beyond...

Send us Fan Mail Starting your own mortgage firm sounds exciting right up until you hit the compliance wall. We unpack the Appointed Representative (AR) model in the UK and explain, in plain English, what it means to operate under a principal firm’s FCA permissions, how the oversight works, and why mortgage networks use this structure so often. We talk through the biggest reasons brokers choose th...

Send us Fan Mail Inflation is back in the headlines, but the real story shows up in your clients’ bank accounts and in your clawback reports. When fuel, energy, and food costs rise at the same time as mortgage rates, people start cutting anything that feels optional and protection insurance is often first on the chopping block. I want to stop that knee-jerk decision before it harms the client’s ho...

Send us Fan Mail Procrastination rarely looks like doing nothing. More often, it looks like a mortgage broker “staying productive” all day while the real work keeps slipping to next week. When swap rates jump, lenders pull deals, and clients need calm guidance fast, it’s easy to tell ourselves we’ll get back to marketing, systems, and long-term planning once things settle. But if we’re not careful...

Send us Fan Mail Estate agency and mortgage broking sit on the same fault line: consumers want straight answers, but too many big firms reward scripts, vanity pricing, and long contracts. I’m joined by John Savage, a self-employed estate agent, podcaster, and ex-military negotiator who does not hold back on what he’s seen inside the industry and why sellers keep ending up stressed, stuck, and unsu...

Send us Fan Mail Q1 2026 didn’t just feel busy, it felt unstable. Inflation pushed up household bills, mortgage rates climbed, and lenders pulled products at speed. Many of us spent weeks calming anxious clients, racing to secure deals, and reacting to whatever changed that day. When business runs like that for long enough, firefighting becomes the default and the long term plan quietly disappears...

Send us Fan Mail CeMAP gives you a qualification. It doesn’t give you confidence in a first client meeting, a clean process for packaging a case, or a playbook for handling underwriters, lender criteria, and follow-ups when the pressure is on. That’s why we brought Ross McMillan back to The Mortgage Broker Broadcast to explain Fear Academy and why we built it inside Fair Financial for advisers who...

Send us Fan Mail Mortgage rates don’t drift up anymore, they lurch. One day the deals are there, the next day they’re gone, and suddenly you’re fielding anxious messages from clients who can feel their payments rising. With energy costs climbing and inflation fears pushing swap rates higher, lenders are withdrawing products and repricing fixed rate mortgages at speed, and the pressure on mortgage...

Send us Fan Mail Your clients don’t wake up thinking about interest rates. They wake up thinking about retirement, family security, rising costs, and whether they’re making the most of what they’ve built and as mortgage brokers, we’re often the first professional they tell the full story to. We close the Think Like A Financial Advisor mini-series by getting practical about financial advisor partne...

Send us Fan Mail Fear of clawbacks should never dictate advice. We take a clear, practical look at how protection commission choices indemnity, non‑indemnity (drip), and blended models shape cash flow, client outcomes, and the long‑term value of a self‑employed mortgage business. With plain‑English examples and simple rules you can apply today, we unpack what really changes when you shift from lum...

Send us Fan Mail Waiting on one case to land shouldn’t decide your future. Craig sits down with returning guest Leigh Rowland to unpack how a broker can build real stability by diversifying income, owning more of the funnel, and joining a community that actually mirrors the self-employed reality. From launching Fear Financial—a network run by self-employed founders—to opening a plain-speaking esta...

Send us Fan Mail The rules just changed, and so should the way we advise. With the advice trigger removed, we now have room to ask better questions, understand real goals, and guide clients without rushing into formal recommendations. That freedom raises the stakes: consumer duty demands good outcomes and protection against foreseeable harm. We walk through a practical playbook that helps mortgage...

Send us Fan Mail Headlines about AI in lending can feel distant—until lenders start engaging your clients directly, trimming PT procuration fees, and hinting at new retention tools. We tackle the real-world implications of the FCA’s advice trigger change and the growing possibility that product transfers become leaner, faster, and less profitable for brokers who treat them as a business model. Our...

Send us Fan Mail The easiest way to lose a client is to let someone else speak to them first. With a remortgage wave cresting in 2026, lenders are already nudging borrowers with slick retention offers. We break down a simple, durable system that keeps you ahead of those emails and makes your advice the obvious choice. We start with why retention matters more than ever, using hard numbers to show h...

Send us Fan Mail A surge is coming to the mortgage market, and the brokers who prepare now will be the ones who thrive. We walk through a clear, actionable plan to meet the 2026 remortgage wave with confidence—starting with a January review that reveals your true lead sources, conversion leaks, and time drains. From there, we map out a client retention engine that starts 12 months before product e...

Send us Fan Mail Tired of goals that fade as soon as the January buzz wears off? We unpack why self-doubt always shows up when the work matters, why motivation is a shaky fuel source, and how discipline becomes the steady engine that carries you through slow seasons, quiet inboxes, and days when you’re not feeling it. As mortgage brokers and self-employed owners, freedom is powerful—but without st...

Send us Fan Mail Motivation fades faster than we like to admit, especially when results lag or life gets busy. Today we unpack a practical path forward for mortgage brokers and business owners who want progress without relying on a mood. We connect the dots between self-doubt, motivation, and habits, and show how to build a system that moves even when you don’t feel like it. We start by reframing...

Send us Fan Mail The middle of January can feel like a hangover from early-year hype. Goals look bigger, energy looks smaller, and a quiet voice starts asking what’s the point. We shine a light on that whisper of self-doubt, explain how it quietly unravels consistency, and share a practical reset that helps you keep promises to yourself without chasing motivation or waiting to feel ready. We break...

Send us Fan Mail Resolutions spark hype, then disappear. We’re starting 2026 by choosing a smarter path: one small habit you can do in under 10 minutes that builds identity, steadies your mind, and grows your mortgage business. No overwhelm, no guilt—just a system you’ll actually keep. We break down why traditional New Year goals fail—loss aversion, all‑or‑nothing thinking, and pressure—and replac...

Send us Fan Mail Planning doesn’t start on January 1; it starts the moment you decide what matters. We close out 2025 by turning a clear vision for 2026 into a plan you can actually follow, weaving together revenue goals, referral growth, and client focus with family time, self-care, and real rest. You’ll hear how to define what “winning” looks like next year, then break it into quarterly and mont...

Send us Fan Mail Big goals don’t need heroic days; they need repeatable days. We walk through a practical, low-friction system for turning long-term vision into daily action using habits that support mental health and time blocking that protects deep work. Instead of letting urgency dictate your schedule, you’ll learn how to make your calendar reflect your priorities and your energy, so the work t...

Send us Fan Mail Ready to finish 2025 strong and start 2026 even stronger? We dive into a calm, step-by-step year-end reflection that turns data, feedback, and honest self-assessment into momentum you can feel. Instead of rehashing regrets, we map a practical review you can run in a single sitting: gather KPIs and P&L, connect them to client feedback, and ask what each number truly represents...

Send us Fan Mail Ready to stop reacting and start directing your next year with clarity? We launch our Set Yourself Up for 2026 mini-series by laying the inner foundations that shape every choice you make: a vivid long-term vision, a small set of non‑negotiable values, and a simple system to protect your time and attention. Instead of chasing quick wins or drowning in advice, we show how to design...

Send us Fan Mail A six‑week window can change your entire year. With rates easing, swap markets stabilizing, and millions of fixed deals expiring in the next 18 months, this is the moment to act with precision and purpose. We break down what’s moving the mortgage market, why lenders are sharpening prices, and how a short December can derail clients who wait until January. Most importantly, we shar...

Send us Fan Mail A quiet revolution is reshaping mortgage retention in the UK: lenders now use AI to spot churn, price smarter, and send personalized offers long before a fixed rate ends. We unpack how those engines work, why they’re so effective at capturing product transfers, and what that means for brokers who have built pipelines around renewals. The story isn’t doom and gloom; it’s about timi...