Mortgages Made Easy Podcast

Season 2 Finale. David Jackson and Phil Moses sit down to wrap up the season - reflecting on the biggest lessons from two years of conversations, what's really been going on in the market, and what buyers, brokers and agents should be thinking about right now. From the origin of the word "mortgage" to what separates a good broker from a great one, the impact of government uncertainty...

In this clip from the full-length episode, Neil McGimpsey - Group Director at Lomond, one of the UK's largest multi-brand estate agency and lettings groups makes the case that the current market is a genuine buying opportunity, not a reason to wait. With nearly two decades in property, from joining Foxtons in 2006 to leading a multi-brand platform spanning London, Scotland, Yorkshire and the N...

Group Director at Lomond, one of the UK's largest multi-brand estate agency and lettings groups, with deep roots in residential sales, new homes and lettings across London, Scotland, Yorkshire and the North West. Nearly two decades in property - from joining Foxtons in 2006 at the height of the boom, surviving the credit crunch and Brexit, working with national house builders and overseas inve...

Where is the buy-to-let market really heading, and who's actually buying in 2026? Need help with your mortgage? 👉 Get started here – https://www.prestigepf.co.uk/ 📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator 📸 Follow us on Instagram – https://www.instagram.com/prestigepf/ 💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finan...

Group Sales Director at OSB Group , one of the major stalwarts of the mortgage industry and a big player in the specialist mortgage market. Three decades in mortgages - from starting as an admin at Mortgage Trust in Epsom, to working on-site during the brokerage boom, to underwriting and BDM roles at Portman, helping launch Nationwide for Intermediaries from scratch, and now leading the specialist...

What does it really take to break into high net worth mortgage broking, and why is the day to day so different from mainstream lending? Need help with your mortgage? 👉 Get started here – https://www.prestigepf.co.uk/ 📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator 📸 Follow us on Instagram – https://www.instagram.com/prestigepf/ 💼 Connect on LinkedIn – https...

Founder of Enness, co-founder of Ten Capital, and now CEO of international bridging lender Phinom. Three decades in high net worth financial services - from Alexander Hall in the Foxtons era, to building Enness into one of the UK's go-to high net worth mortgage brokerages, to launching and exiting Ten Capital, and now running Phinom from Monaco with lending across the UK, Monaco, Paris, the so...

Mortgage rates just hit their lowest level in a month - here's what's actually happening 👇 Rates have dipped slightly as we head into the new week after a volatile March HSBC, Santander and TSB have started reducing selected fixed rate deals This isn't a full turnaround - it's a gradual easing, and lenders are still reacting fast Middle East tensions are keeping energy prices and...

The market is shifting fast. Rates are climbing, deals are disappearing, and lenders are reacting in real time. Here’s what it actually means and why being prepared puts you ahead. Need help with your mortgage? 👉 Get started here – ⁠ https://www.prestigepf.co.uk/⁠ 📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠ 📸 Follow us on Instagram – ⁠https://www.insta...

Some major UK lenders including HSBC, Nationwide and Coventry have started increasing fixed mortgage rates as swap rates climb and global energy pressures push inflation expectations higher. While rates remain lower than a year ago, buyers and homeowners should stay prepared as the market adjusts and lenders reprice deals. Need help with your mortgage? 👉 Get started here – ⁠ https://www.prestigep...

In this special International Women’s Day edition of Mortgages Made Easy , Emma Jackson, Director of Communications at Prestige Private Finance, explores the surprisingly recent history of financial independence for women in the UK and how it still shapes property and lending today. Need help with your mortgage? 👉 Get started here – ⁠ https://www.prestigepf.co.uk/⁠ 📊 Try our Stamp Duty Calculato...

Spring has arrived — and the market has kicked into gear.  - Listings at a 10-year February high - More choice = stronger buyer confidence - Mortgage rates near four-year lows - Regional cities driving first-time buyer momentum Stock is up. Rates are competitive. Activity is building. If you’re thinking of buying, selling or reviewing your mortgage in 2026, this is the kind of market where prepara...

What role will AI, automation, and the FCA really play in the future of UK mortgages? Need help with your mortgage? 👉 Get started here – https://www.prestigepf.co.uk/ 📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator 📸 Follow us on Instagram – https://www.instagram.com/prestigepf/ 💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finan...

We break down three major shifts that are currently tipping the market in buyers’ favour. Inflation has fallen to around 3%, its lowest point in 10 months, increasing expectations of a potential Bank of England rate cut in March or shortly after. Average monthly mortgage payments are now lower than this time last year, creating real savings, especially for London buyers and those remortgaging. Ask...

Need help with your mortgage? 👉 Get started here – https://www.prestigepf.co.uk/ 📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator 📸 Follow us on Instagram – https://www.instagram.com/prestigepf/ 💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all What really happens behind the scenes in the UK mortgage market...

UK Housing Market Turns a Corner: Rising Prices and Improving Buyer Sentiment in Mid-February We discuss the UK housing market crossing a major milestone in mid-February, with house prices moving back above £300,000 following a 0.7% rise in January. We explore how buyer sentiment is improving according to the latest RICS survey, with enquiries and price balance at their strongest levels. We highli...

What actually adds value to a property? And what do buyers and sellers still get wrong? In this episode, we break down common property misconceptions, the best value-adding upgrades under £1,000, buyer affordability myths, chain-free purchases, pricing strategies, and how to navigate offers with confidence. A practical, honest conversation for buyers, sellers, and agents looking ahead to the 2026...

We discuss the significant developments shaping the UK property market this week. We talk about the Bank of England holding the base rate steady at 3.75%, which is providing confidence to buyers and homeowners. We highlight that prices are moving positively, with Halifax reporting a 0.7% rise in January—the strongest monthly increase since late 2024—pushing average UK home prices above £300, We al...

In this episode of Mortgages Made Easy, Phil Moses (Sales Director at Prestige Private Finance) sits down with Ollie and Liana from Loporto Browne Residential to break down why property transactions in the UK still take so long, and what buyers and sellers can do differently in 2026. If you are buying or selling this year, this episode will help you avoid delays, reduce stress, and stop deals fall...

A quick snapshot of what’s shaping buyer conversations right now. Around two thirds of major UK lenders now offer mortgages of up to six times income for qualifying buyers Higher earners are gaining more borrowing headroom , particularly across London’s prime and near-prime markets Mortgage approvals dipped in December , but demand remains, with buyers taking a more considered approach Early mortg...

Buying a new build home often gets criticised for long lead times and premium pricing but for first time buyers those delays can be a hidden advantage. In this conversation, we break down why buying off plan can actually work in your favour. From securing today’s price in a changing market, to having time to prepare financially, explore mortgage options, and personalise your home, new builds offer...

London’s property market is shifting fast, lenders are cutting rates, affordability is improving and buyers now have more choice than at any point in recent months! From inner London pricing adjustments to six times income mortgages, here’s what buyers need to know as January comes to a close Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/ 📊 Try our Stamp Duty Cal...

In this episode of Mortgages Made Easy, David Jackson (Managing Director at Prestige Private Finance) sits down with Alan Dearing (Sales and Marketing Director at Berkeley Homes) to break down what buyers need to know before purchasing a new build, especially if you are considering buying off plan. If you are looking at new builds in 2026, this episode will help you avoid costly mistakes and make...

In this episode of Mortgages Made Easy, David Jackson (Managing Director at Prestige Private Finance) sits down with Alan Dearing (Sales and Marketing Director at Berkeley Homes) to break down what buyers need to know before purchasing a new build, especially if you are considering buying off plan. If you are looking at new builds in 2026, this episode will help you avoid costly mistakes and make...

London sellers may not welcome the shift, but buyers are starting to gain the upper hand. Prices across London are softening, particularly in the flat market, while available stock has reached multi-year highs. At the same time, lenders are competing aggressively, with mortgage rates edging down and affordability improving -especially for first-time buyers and professionals. With more choice, incr...