The Mortgage Conversation

The focus for this episode is - The rise of MIBs (multipleincome borrowers) and how specialist lending is evolving. Joining host ⁠ ⁠Tony Hall⁠⁠ ⁠⁠⁠, are Lee Williams Lee Williams | LinkedIn Martin Reynolds Martin Reynolds | LinkedIn and Simon Walklin-Knight Simon Walklin-Knight | LinkedIn We discussed: Segment 1: The Geopolitical Shockwave Segment 2: The Pricing Paradox & House Price Slump Seg...

Joining host ⁠ ⁠⁠Tony Hall⁠⁠⁠ ⁠⁠⁠, are Lee Williams ⁠(7) Lee Williams | LinkedIn⁠ , David Coleman ⁠ (30) David Coleman | LinkedIn and Dan Gracie (30) Dan Gracie | LinkedIn We discussed: Multiple Income Borrowers (MIB) How is this market growing, how comfortable are firms with increased advice risk as cases get more complex? Market/Mortgage Brokerage Evolution How is the market evolving with firm c...

The focus for this episode is ‘Build Baby Build’ centring on the Property Development Finance Market. Joining host ⁠ ⁠Tony Hall⁠⁠ ⁠⁠⁠, are Lee Williams  (7) Lee Williams | LinkedIn , Glen Franklin-Jones  (9) Glenn Franklin-Jones | LinkedIn  & Steve Iles  (9) Steve Iles | LinkedIn   We discussed:  How is technology embracing the Property Development Finance Market  The importance of effective r...

Joining host ⁠ ⁠Tony Hall⁠⁠ ⁠⁠⁠, are Lee Williams (7) Lee Williams | LinkedIn ,Mark Edwards (1) Mark Edwards | LinkedIn and Alice Waites (7) Alice Waites |LinkedIn We discussed: The Complex Lending Market vs The Specialist Lending Market - the rise of the mutuals Post budget - confidence in 2026 Proc fees - the rise and fall Renters Rights Act The UK Finance Market forecast for 2026 Please leave u...

Joining host ⁠ ⁠Tony Hall⁠⁠ ⁠⁠⁠,  Dan Gracie (9) Dan Gracie | LinkedIn   Andrew Montlake (9) Andrew Montlake| LinkedIn Past    Reflection on 2025…how has it been for ourguests?  Affordability – Relaxation of regulatory rules,are they helping and are lenders doing enough? Present Budget implications,  what is coming and what might the impact be? Diversification - what has your business doneto meet...

Joining host ⁠⁠ Tony Hall ⁠⁠⁠⁠⁠, Head of Underwriting – John Reid , Mortgage Processing Manager – Max Moore-Chandler , Mortgage Underwriter – Shilpa Patel Today’s episode covers: Introductions to the team at Saffron De-mystifying the underwriting process What ‘good’ looks like, covering key topics such as application forms, income verification and bank statements Best practice and how we can colla...

Joining host ⁠ Tony Hall⁠ is Saffron for Intermediaries National Sales Manager ⁠ Lee Williams⁠ , Business Development Manager ⁠ Leah Kavanagh⁠ and Marketing Manager ⁠ Ellie Deamer-Booth⁠ . The panel discussed: The current market landscape, including broker sentiment, challenges, and opportunities. Key industry topics such as affordability pressures and reflections on 2025 so far. Leah’s first year...

Joining host ⁠ ⁠⁠Tony Hall⁠⁠⁠ ⁠⁠⁠,  is ⁠ Lee Williams | LinkedIn⁠ , ⁠ Jon Stones | LinkedIn⁠ & ⁠Sophie Waugh |LinkedIn⁠ The panel discussed: Building a business from the ground up The importance of professional advice Recruiting and retaining quality mortgage advisors The biggest challenges facing mortgage business owners Can lenders do more to support mortgage advisors The value of mentors A...

Joining host ⁠ ⁠Tony Hall⁠⁠ ⁠⁠⁠ is Saffron for Intermediaries National Account Manager Phil Lawford , Paradigm Mortgage Services Director of Mortgages Richard Howes and we welcome back a friend of the show Anna Sagar Deputy Editor for Mortgage Solutions The panel discussed: Loosening of Lending Criteria – we are seeing a lot of lender criteria amendments, particularly around affordability.  Are le...

Joining host ⁠ ⁠Tony Hall⁠⁠ ⁠⁠⁠ is Saffron for Intermediaries National Account Manager Phil Lawford , L&C Mortgages Head of High Net Worth Mortgages Rahul Nath and Independent James Principal James Carter The panel discussed: One year on, is the UK Government starting to deliver on it's housing promises? Regulation, will the latest proposals to make it quicker and easier to get a mortgage?...

Joining host ⁠ ⁠Tony Hall⁠⁠ ⁠⁠⁠ is Saffron for Intermediaries National Account Manager Phil Lawford , Advias MD Ed Checkley and Edwards Day MD Sam Day The panel discussed the recent Bank of England’sMPC decision to lower the base rate by 25bps.  Complex Lending – are lenders doing enough tosupport this area of the market? Ed discussed how to use your pension to raise amortgage Affordability – the...

Joining host ⁠ ⁠Tony Hall⁠⁠ ⁠⁠⁠, Saffron for Intermediaries National Account Manager ⁠⁠⁠⁠ Phil Lawford , Luke Loveridge – CEO and co-founder of Propflo and Dan Gracie - Specialist Lending Director Panthera Finance. The panel discussed: ·  How the US trade tariffs may impact our market ·  The new Minimum Energy Efficiency Standards (MEES) is out for consultation until 2nd of May.  What is it's...

Joining host ⁠ ⁠Tony Hall⁠⁠ is ⁠⁠ Saffron for Intermediaries National Sales Manager ⁠⁠⁠⁠ Lee Williams⁠⁠⁠⁠⁠ , Matt Surridge - Interim Sales Director Primis / Director of Linear and Rebecca Shuttle   –  Award Winning Principal Owner and Mortgage and Protection Broker at MIMA Mortgage and Protection Advice. The panel discussed the concerns raised by the self-employed when looking for a mortgage and h...

Joining host ⁠Tony Hall⁠ is ⁠Saffron for Intermediaries, ⁠ ⁠Phil Lawford ⁠ ⁠ , Nicola Goldie Deputy Chair, IMLA and Head of Strategic Partnerships, Aldermore Bank and Laura Smith , BDM Saffron for Intermediaries . The panel discusses the roles of the Working in Mortgages Group and IMLA. The AMI 2021 viewpoint report and how we have moved on. What are the benefits within our industry of embracing D...

Joining host Tony Hall is Saffron for Intermediaries, Phil Lawford and BDM Leah Kavanagh , and friend of the podcast and his first time on screen, Head of Marketing for John Charcol , Nicholas Mendes . The podcast starts with the performance of our new government, six months in. How have their policies and budget affected the market and what can we expect in the next six months? The panel discuss...

In this episode of The Mortgage Conversation, the panel joining host  ⁠Jay⁠ and  ⁠Tony⁠   are  ⁠Phil Lawford⁠  from  ⁠Saffron for Intermediaries⁠ ⁠⁠ ⁠⁠ and special guest, Stephanie Daley from Alexander Hall . This podcast reflects on the impact of 2024. What a new government has meant for the mortgage and property market. How the markets have reacted. The impact and changes in property prices and...

In this episode the panel discuss, in detail, the benefits of self-build and custom build homes. Joining host  Jay , and  Tony  are podcast regular,  Phil Lawford  from  Saffron for Intermediaries. In this incredibly educational podcast, Lisa talks of her experience as a self-builder, whilst Tony discusses his ongoing work with NaCSBA to educate home buyers to let them know how they can become par...

Joining host Jay , and Tony are podcast regular, Holly Andrews from Saffron for Intermediaries , Bhavika Gohil from Sai Finance and Dave Butler from Legal and General . The panel begin by discussing the power and importance of mortgage protection - a topic not discussed in the media when talking about the impact of the cost of living crisis. The panel also discuss the slow British buying process a...

Anna Sagar⁠ , Deputy Editor of ⁠Mortgage Solutions⁠ and Rahul Nath from London & Country Mortgages join Jay and Tony this month. In Phil's absence, Lee Williams also joins the panel too. The panel discuss the aftermath of the election and analyse the promises and commitments made by the new Government. These include: - Stamp Duty - 1.5m Homes - Renters RIGHTS bill - Term Funding and a whol...

-- A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month. Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on jay@sfinotsolive.co.uk.

Anna Sagar , Deputy Editor of Mortgage Solutions joins Tony, Phil and Jay this month. Following a cancellation, Anna joined the panel last minute and on the same day Rishi Sunak announced a snap, Summer election the timing could have not been better, Take a listen as the panel discuss the implications of the election announcement, what to expect over the next 6 weeks, how it will affect the mortga...

In conversation with Tony and Jay is the incredibly knowledgable and insightful Martin Reynolds, CEO at SimplyBiz and Chairmain on FIBA . Join ⁠Tony Hall⁠ and host ⁠Jay Evans⁠ as they discuss all things self-build, custom build, and development finance with Martin covering planning reform, definitions of what each sector means for brokers, how each sector can improve the property market and the be...

In conversation with Tony, Phil and Jay is Editor of Specialist Lending Solutions and Deputy Editor of Mortgage Solutions Anna Sagar . Join ⁠Tony Hall⁠ , ⁠Phil Lawford⁠ and host ⁠Jay Evans⁠ as they discuss the "pre-election" budget that didn't feel like a "pre-election budget" and what it means for homebuyers, homeowners, the property market and wider society. -- A brand ne...

To celebrate our new format and new season of SFI (not so) LIVE we are joined by Rachel Geddes who operates the City of London branch of the Mortgage Advice Bureau . A successful and passionate broker, especially in the buy-to-let market. Join Tony Hall , Phil Lawford and host Jay Evans as they look past the doom-mongering in the media and analyse what is ACTUALLY happening in the UK buy-to-let mo...

What is complex lending? If you have been reading the recent news in the mortgage press you may have seen talk of complex lending. But what is it? What does it mean for brokers and borrowers? What situations, products and scenarios does it support? These are the questions pondered and discussed on the podcast this month, with host Jay Evans, regular panelist Tony Hall and a brief visit by Phil Law...