Mortgage Insider
- Épisodes
- 82
- Parution
- mensuelle
- Dernier épisode
- 27 Oct 2026
À propos du podcast
The evolving role of the mortgage broker is becoming increasingly complex. The performance and potential of the housing market is an ever-changing landscape, but help is here.
The award-winning Mortgage Insider Podcast – brought to you by Barclays – is back and better than ever. Renowned TV presenter and property expert Phil Spencer guides you through the trials and tribulations of the housing world.
Phil, along with industry-leading guests from the world of economics, financial services, and of course housing, takes you beyond the headlines to help you navigate the world of mortgage markets.
This is an in-depth plunge into the world of mortgages, so listen and follow to find out more about the current mortgage market, how rates are set, the insider take on housing, changes to buy-to-let, marathon mortgages and helping clients plan for a worst-case scenario.
The Mortgage Insider Podcast – you can’t afford to miss it.
Épisodes 82
How can brokers build relationships in the high-net-worth market?
The profile of high net worth individuals is changing, with younger entrepreneurs, growing international interest and shifting attitudes towards mortgage finance. So, what does this mean for mortgage brokers …
Notes de l’épisode
The profile of high net worth individuals is changing, with younger entrepreneurs, growing international interest and shifting attitudes towards mortgage finance. So, what does this mean for mortgage brokers looking to work with high net worth clients, and where can specialist advice add real value?
In this episode of Barclays Mortgage Insider podcast, host Phil Spencer is joined by Camilla Dell, Managing Partner and Founder of Black Brick Property Solutions, and Roly Ingleby-MacKenzie, Senior Director at Sotheby's International Realty, to examine the changing dynamics of the high net worth market.
From the influence of US buyers on the prime central London property market to the role of high net worth mortgages in multimillion-pound transactions, the conversation challenges some common assumptions about wealthy clients and cash purchases.
The guests also discuss the considerations influencing borrowing decisions, the role of private bank mortgages and how brokers can build relationships with buying agents and other professional advisers to generate new business.
For mortgage brokers interested in working with HNW clients, this episode offers practical insights into a specialist market where understanding clients' wider financial circumstances, building trust and developing professional connections can make a significant difference.
Recorded on 25 September 2026.
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What does the Renters’ Rights Act mean for the buy-to-let market?
The UK rental market has undergone significant change following the introduction of the Renters Rights Act 2025, with new rules around tenancies, the end of Section 21, rent increases, tenant selection and how …
Notes de l’épisode
The UK rental market has undergone significant change following the introduction of the Renters Rights Act 2025, with new rules around tenancies, the end of Section 21, rent increases, tenant selection and how landlords can regain possession of a property.
But what do these reforms mean in practice for landlords and renters, and what should mortgage brokers be aware of when advising their buy-to-let clients?
In the latest episode of the Mortgage Insider podcast, host and property expert Phil Spencer is joined by Ben Beadle, Chief Executive of the National Residential Landlords Association, and Catherine Westerling, Executive Head of Residential Lettings UK at Hamptons, to consider what they mean for the private rented sector.
The discussion covers assured periodic tenancy agreements and Section 8 eviction grounds, alongside new landlord rent increase rules and growing tenant referencing problems. It also looks at the wider buy-to-let market, from the continuing imbalance between rental supply and demand to the growing use of buy-to-let company structures.
As the reforms become established, understanding their practical implications will become increasingly important, making this a timely discussion for advisers looking to meet a wider range of landlord needs.
This episode was recorded on July 3rd 2026
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How can brokers make the most of the remortgage opportunity?
Around 1.8 million fixed rate mortgages are expected to mature over the course of 2026, underlining the scale of the UK remortgage market. And with many borrowers potentially facing higher monthly payments …
Notes de l’épisode
Around 1.8 million fixed rate mortgages are expected to mature over the course of 2026, underlining the scale of the UK remortgage market. And with many borrowers potentially facing higher monthly payments, understanding the options available at maturity is increasingly important for a range of homeowners.
In the latest episode of the Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by Caroline Ambrose, Managing Director of Mortgage Customer Journeys for Barclays UK, and Rachel Springall, Finance Expert at Moneyfacts, to discuss what the changing remortgage market means for brokers and their clients.
Drawing on Bank of England mortgage data, they consider the potential payment shock facing borrowers, with around 750,000 customers currently paying rates below 3% due to come off their existing deals by the end of 2026.The episode explores product transfer vs remortgage, mortgage rate volatility and the launch of the new Barclays Fast Track remortgage proposition, designed to simplify switching and support brokers and borrowers through the process.
With mortgage shelf life falling sharply during periods of volatility, the discussion also looks at how brokers can help customers consider fees, flexibility, affordability and their wider circumstances rather than focusing on the headline rate alone.
As AI mortgage advice, social media and influencers increasingly become prominent sources of information, the value of trusted mortgage broker advice remains firmly in focus. With around £400bn of remortgage business estimated for 2027, the episode also looks at what lies ahead for brokers and their clients.
Now available to watch on Spotify.
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How essential is the ‘Bank of Mum and Dad’ for first-time buyers?
The UK housing affordability crisis continues to reshape the path to homeownership, with more young adults relying on family support than ever before. Host Phil Spencer is joined by Hannah Aldridge, Senior …
Notes de l’épisode
The UK housing affordability crisis continues to reshape the path to homeownership, with more young adults relying on family support than ever before.
Host Phil Spencer is joined by Hannah Aldridge, Senior Research and Policy Analyst at the Resolution Foundation, and James Tatch, Principal and Head of Analytics at UK Finance. Together, they explore the growing role of the ‘Bank of Mum and Dad’ and the rise of the ‘Hotel of Mum and Dad’ as strategies to overcome one of the biggest barriers in the market, which is deposit.
With saving timelines now stretching beyond a decade for many, and nearly 2 in 5 young adults living with their parents, their conversation reflects the reality facing first-time buyers across the UK today.
Drawing on insights from across the market, the discussion also looks at how lenders are responding through mortgage product innovation, from guarantor mortgages to higher loan-to-value options. The episode also addresses the broader challenges shaping the market, including intergenerational wealth inequality, interest rate uncertainty, and the long-term implications for those unable to get onto the property ladder.
For brokers supporting first-time buyers, navigating affordability challenges, or simply interested in how the market is evolving, this episode offers valuable perspectives you won’t want to miss.See omnystudio.com/listener for privacy information.
How is AI transforming the home buying journey?
AI is playing an increasingly important role in the mortgage and home buying journey; shaping how consumers, brokers and the wider industry engage with technology, where trust sits, and what comes next. Host …
Notes de l’épisode
AI is playing an increasingly important role in the mortgage and home buying journey; shaping how consumers, brokers and the wider industry engage with technology, where trust sits, and what comes next.
Host Phil Spencer is joined by Dr. Carol McNaughton Nicholls, Managing Partner at Thinks Insight & Strategy and expert on human behaviour and financial decision making, and Chris Williams, Founder & Managing Partner of Novus Strategy, specialising in digital transformation across the property ecosystem. Drawing on insights from across the market, their conversation explores how innovation is transforming the mortgage journey, while highlighting the areas where human expertise still remains critical with AI around.
From AI-powered mortgage advice in the UK to the growing use of AI tools by brokers, they explore where the technology is already delivering impact. With consumer sentiment evenly split, 18% of UK consumers are enthusiastic AI adopters, matched by another 18% who remain sceptical, AI adoption is still gathering pace, particularly in areas like process automation, broker efficiency tools and AI-driven remortgage outreach. But the reality is clear: AI is firmly positioned as an assistant, not an adviser.
The discussion also tackles the balance between innovation and trust. With consumer opinion split, many clients are comfortable using AI for research but still expect a human in the loop when it comes to decision-making. That dynamic reinforces the broker’s role in guiding and reassuring customers through what remains a complex home buying experience.
Looking ahead, the episode considers what’s next? From better digital integration across the property chain to an evolving regulatory landscape, and what all of this means for the future role of brokers in an increasingly AI-driven market?
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What is making the Scottish housing market so different to England right now?
The Scotland housing market 2026 continues to stand apart and for any mortgage broker Scotland-based, understanding the Scottish property market is key. In this episode of Mortgage Insider, host Phil Spencer is …
Notes de l’épisode
The Scotland housing market 2026 continues to stand apart and for any mortgage broker Scotland-based, understanding the Scottish property market is key.
In this episode of Mortgage Insider, host Phil Spencer is joined by Colleen Badcock (Rightmove, Head of Partner Marketing and Property Expert) and Lynne Peterkin (First Mortgage, Managing Director, Scotland) to explore what it really takes to buy a house in Scotland. From how the Home Report shapes pricing and bidding, to the realities of offers over and the speed of transactions, they unpack how the Scottish system works including how long it takes to buy a house in Scotland, compared to Scotland vs England conveyancing speed.
With high demand from first-time buyers in Scotland, the conversation shares practical Scotland first-time buyer tips and how to get on the property ladder in Scotland. We also cover the technical detail such as Land and Buildings Transaction Tax (LBTT), the Scotland additional dwelling supplement tax, whether Scotland is a seller’s market, and why strong yields for Scottish landlords continue to attract interest.
The episode also dives into the data behind Scotland house prices, including regional differences in house prices in Scotland, and how the market compares. The guests discuss affordable homes in Scotland vs England to the key question: is it cheaper to buy in Scotland? Plus, trends around moving from London to Scotland, moving from South-East England to Scotland, and a full Scotland vs England property market comparison.
A focused, practical deep dive into one of the UK’s most distinct property markets.
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Can new build housing meet demand in 2026?
The 2026 housing market is shaping up to be a story of returning demand set against a continuing housing supply crisis, with new build homes at the centre of the challenge. In this episode of Mortgage Insider …
Notes de l’épisode
The 2026 housing market is shaping up to be a story of returning demand set against a continuing housing supply crisis, with new build homes at the centre of the challenge.
In this episode of Mortgage Insider, host and property expert Phil Spencer is joined by Neil Jefferson, Chief Executive of the Home Builders Federation, and Craig Hall, Director of Strategic Partnerships at LSL Financial Services, to explore the latest property market outlook and what it means in practice.
The discussion looks at how planning delays and policy changes are influencing new build delivery, and how this is affecting demand across the UK. It also explores current mortgage trends, how lenders are adapting, and the role mortgage rates and affordability play in shaping buyer behaviour.
A key part of the conversation focuses on first-time buyer challenges and the growing debate around Help to Buy alternatives. It also considers how homebuilders are adjusting to current conditions, and what this means for brokers.
This episode offers a clear and balanced view of the factors shaping the new build sector and wider housing market, with practical insight into what brokers should focus on in an increasingly complex lending and economic environment.
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What does the UK economy mean for mortgage rates right now?
There has been no shortage of change in the UK economy, and mortgage brokers are having to help potential and existing homeowners interpret fast-moving headlines, swap rate turbulence and the potential …
Notes de l’épisode
There has been no shortage of change in the UK economy, and mortgage brokers are having to help potential and existing homeowners interpret fast-moving headlines, swap rate turbulence and the potential direction of Bank of England interest rates.
In this episode of Mortgage Insider, Phil Spencer is joined by Julian Lafarge, Chief Market Strategist at Barclays Private Bank, and David Baker, Managing Director of Brooks Mortgages, to break down what is driving current conditions and what brokers should focus on.
They explore the link between oil prices, inflation expectations and central bank decisions, alongside the latest UK inflation forecast and what it could mean for future interest rate hikes. The discussion also explores the role of swap rates, why market pricing can shift so quickly, how the fixed rate mortgage market is being impacted, and what can learned from previous periods of disruption, from the credit crunch to more recent geopolitical shocks.
The episode also looks at the human side of market volatility, from client anxiety to broker burnout, and why reassurance, perspective and early contact can make such a difference. The guests underline the value of staying close to existing clients, keeping renewals under review and helping borrowers make decisions based on their own plans rather than the wider panic.
For brokers working through another period of uncertainty, this episode offers timely insight into the state of the UK economy, the outlook for those looking to remortgage and how to reassure clients while maintaining confidence and perspective.
For more information on the Mortgage Industry Mental Health Charter: https://mimhc.co.uk/
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Should every first time buyer be treated as vulnerable?
For many first-time buyers, the home buying process can feel confusing, full of jargon and hard to follow. And with affordability concerns and rate changes still shaping the UK housing market, securing a …
Notes de l’épisode
For many first-time buyers, the home buying process can feel confusing, full of jargon and hard to follow. And with affordability concerns and rate changes still shaping the UK housing market, securing a first-time buyer mortgage can feel more daunting than ever for all too many.
In this episode of Mortgage Insider, Phil Spencer is joined by Louise Baxter MBE, co-CEO of Consumer Friend, and Kate Faulkner OBE, Chair of the Home Buying and Selling Council and founder of PropertyChecklists.co.uk, to discuss how the experience of buying a house can be improved for first-time buyers.
They explore why clearer language and better communication are vital when arranging a first-time buyer mortgage, and how many people still struggle to ask questions if they do not fully understand the information being shared.
The discussion also looks at how the challenge can be even greater for neurodivergent buyers, including those with dyslexia. Complex language, the volume of documentation and unclear explanations can make the process harder to follow, which is why using plain English, clearer layouts and simpler presentation can make a real difference.
Finally, the guests underline the value of strong mortgage broker advice, from checking a client’s understanding to explaining key points in different ways and giving buyers the time they need to make calm, informed decisions before pressure builds.
For brokers supporting an array of first-time buyer clients, this episode offers practical insight into improving outcomes, reducing stress and making the home buying process clearer from start to finish.
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How can we speed up the house buying process?
The home buying process remains slow and uncertain for all too many. On average, it now takes around 120 days to complete a property purchase in the UK, a sharp rise since 2007, and around one in three deals …
Notes de l’épisode
The home buying process remains slow and uncertain for all too many. On average, it now takes around 120 days to complete a property purchase in the UK, a sharp rise since 2007, and around one in three deals still falls through. The cost of failed property transactions runs into billions each year and creates stress for buyers, sellers and mortgage intermediaries alike.
In this episode of the Mortgage Insider podcast, host Phil Spencer is joined by Justin Young, CEO of the Royal Institution of Chartered Surveyors (RICS), and Claire Beardmore, Director of L&G Mortgage Club, to look at why the home buying process takes so long and what could help improve outcomes across the market.
The discussion looks at how poor timing and late checks add delay, why repeating property surveys and searches wastes time and money, and how doing more work upfront could allow steps to run side by side rather than one after the other. They also explore what England can learn from Scotland’s home report system, as well as other countries with shorter timelines and far fewer fall-throughs, and why confidence in digitisation, reliable data and clear standards will be essential if change is to stick.
With reform work under way and more focus on upfront information, the episode sets out why mortgage intermediaries have such a key role in getting buyers ready early and staying close to developments that could shape how homes are bought and sold in the years ahead.
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Mortgage Insider returns for 2026
Welcome to the award-winning Mortgage Insider - back for 2026. Property expert and TV presenter Phil Spencer MBE will once again guide you through the trials and tribulations of the housing world.See …
Notes de l’épisode
Welcome to the award-winning Mortgage Insider - back for 2026.
Property expert and TV presenter Phil Spencer MBE will once again guide you through the trials and tribulations of the housing world.
See omnystudio.com/listener for privacy information.
Regulation, AI and uncertainty – the issues brokers can’t ignore
For mortgage intermediaries, few periods have felt as complex or fast-moving as they are today. Keeping track of regulations, understanding the impact of AI, and managing rising client uncertainty in the …
Notes de l’épisode
For mortgage intermediaries, few periods have felt as complex or fast-moving as they are today. Keeping track of regulations, understanding the impact of AI, and managing rising client uncertainty in the current political climate are among the biggest challenges shaping the advice process.
In this episode of the Barclays Mortgage Insider podcast, host and property expert Phil Spencer is joined by Stephanie Charman, CEO of the Association of Mortgage Intermediaries (AMI). Together, they discuss how the trade body provides clear, practical guidance to more than 80% of the UK’s intermediary community, helping them navigate an ever-evolving environment.
The discussion examines how technology is reshaping advice and asks the critical question - can technology keep up with regulations? Steph also highlights the ongoing importance of protection and the need to close the protection gap, while sharing how AMI’s ‘Working in Mortgages’ initiative is helping attract and retain new, diverse talent across the industry.
It’s a candid, forward-looking conversation about how intermediaries can remain resilient, informed and compliant, while continuing to provide trusted, personal advice in an increasingly digital world.
This episode was recorded on 13th October 2025.
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The 2026 outlook every broker needs to know
Forecasting into 2026 is already being shaped by lingering economic uncertainty, shifting consumer trends and tighter consumer spending. With the labour market slowing, the unemployment rate edging up and the …
Notes de l’épisode
Forecasting into 2026 is already being shaped by lingering economic uncertainty, shifting consumer trends and tighter consumer spending. With the labour market slowing, the unemployment rate edging up and the impact of AI changing early-career roles, these pressures are influencing confidence, demand and how homebuyers and homeowners plan their next steps.
This special episode of the Mortgage Insider podcast, recorded live at Barclays HQ in London, brings host Phil Spencer together with Claer Barrett, Consumer Editor at the Financial Times, Richard Donnell, Executive Director for Research at Zoopla, and Lee Hopley, Director of Economic Insight and Research at UK Finance, to explore these themes and much more.
They tackle inflation, rising household bills and tax changes, and why younger households feel less certain about pay and job security. The discussion also looks at the growing role of the Bank of Mum and Dad, regional contrasts, changes in buy-to-let, the move towards more structured portfolios, the value of protection and the expected spike in remortgage activity over the next year.
With buyers and homeowners facing increased financial pressure, the panel set out why the advice process matters more than ever and offer the insight brokers need to support a wide range of client needs as we head into 2026.
This episode was recorded live at Barclays HQ in Canary Wharf on 18 November, one week before the Autumn Budget.
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How can brokers identify and stop mortgage fraud?
2024 saw a record number of fraud cases filed with the National Fraud Database. While mortgage fraud still represents a small proportion of overall UK fraud, there is a reported 5% increase in the number of …
Notes de l’épisode
2024 saw a record number of fraud cases filed with the National Fraud Database. While mortgage fraud still represents a small proportion of overall UK fraud, there is a reported 5% increase in the number of mortgage fraud cases involving false application.
In the latest instalment of the Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by Mike Haley, CEO of CIFAS, and Nicola Mawby, Financial Crime Manager at Mortgage Advice Bureau. Together, they examine the different types of mortgage fraud, including application fraud, manipulated income, identity misuse, money laundering and scheme abuse. The discussion goes beyond definitions to ask the crucial question: why do people commit fraud in the first place?
The discussion also considers who bears responsibility in mortgage fraud cases and the long-term impact of CIFAS markers for those found guilty of deception. With technology and AI enabling more sophisticated false documentation, and affordability pressures prompting opportunistic behaviour, the conversation reinforces why brokers are the first line of defence.
This episode delivers practical insights, expert guidance and real-world examples to help advisers protect their clients, their businesses and the wider market from the damaging effects of fraud.
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New build in focus
Figures from the National House-Building Council saw Q1 2025 register a 36% increase in new homes built across the UK compared with the same period last year, representing a striking development for the …
Notes de l’épisode
Figures from the National House-Building Council saw Q1 2025 register a 36% increase in new homes built across the UK compared with the same period last year, representing a striking development for the first-time buyer market. But with the higher cost of building, ongoing planning challenges and new and changing regulations, how sustainable is this growth? And what does it mean for brokers?
In this episode of the Barclays Mortgage Insider podcast, host and property expert Phil Spencer is joined by Jenny Anson, Head of Sales at Pocket Living, and Ed McCoy, Group Sales Director at Persimmon Homes, to answer these questions.
In addition, the conversation shines a light on the opportunities and pressures in the affordable housing sector, from innovative schemes that serve as an alternative to shared ownership, to specialist mortgages that support discounted purchase models. They also explore how larger housebuilders are adapting to regulatory change and why the intermediary mortgage market plays such a vital role in helping clients navigate new build purchases.
Tune in for a frank discussion on supply, demand and affordability - and learn what intermediaries need to know about advising in an ever-evolving new build market.
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Does the North-South divide still exist in the UK housing market?
What do the most expensive parts of the country reveal about shifting demand? And why is the Manchester housing market now outperforming many southern counterparts? In this episode of the Barclays Mortgage …
Notes de l’épisode
What do the most expensive parts of the country reveal about shifting demand? And why is the Manchester housing market now outperforming many southern counterparts?
In this episode of the Barclays Mortgage Insider Podcast, host Phil Spencer is joined by Lucian Cook, Head of Research at Savills, and Ross Jones, founder of Home Financial and Evolve Commercial Finance, to explore how regional trends are redefining the UK housing, mortgage and buy-to-let markets.
They take a closer look at London house prices and the ripple effect they’re creating across commuter zones. The conversation also turns to the Scotland housing market, which is showing late-cycle strength in key urban centres, and the Wales housing market, where contrasting conditions range from second-home hotspots to areas still grappling with post-industrial decline.
They also unpack what the increased professionalisation of buy-to-let means for brokers, and how factors like yield, transport connectivity and tenant demographics are shaping smarter investment strategies.
This episode is packed with insights on how shifting geography, affordability and yield are influencing buyer behaviour and why local knowledge is fast becoming a broker’s greatest asset.
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Helping the credit challenged get mortgage ready
A rising number of borrowers are finding it harder to access mortgages due to being credit challenged - whether that’s from historic debts, a county court judgment, or having little to no credit history …
Notes de l’épisode
A rising number of borrowers are finding it harder to access mortgages due to being credit challenged - whether that’s from historic debts, a county court judgment, or having little to no credit history.
Research indicates that 14.8 million people in the UK have experienced adverse credit at some point, with 8.4 million affected in the past three years alone. For any mortgage broker, this growing segment of credit challenged borrowers represents not only a need for specialist support but also a significant opportunity to add real value.
In the latest episode of the Mortgage Insider podcast, Phil Spencer is joined by Eloise Hall, Head of National Accounts at Kensington Mortgages, and Alastair Douglas, CEO of TotallyMoney. Together, they unpack what it means to be credit challenged, the influence of the Buy Now Pay Later culture, how lenders are adapting, plus the lasting impact pandemic and the cost of living crisis.
They explore the role of specialist lending, the value of personalised advice, and how brokers can play a vital role in helping credit challenged borrowers not only access responsible mortgage solutions but also work towards a path back to prime.
With more people seeking debt advice and lenders introducing products tailored to meet complex credit needs, this episode dissects current market trends and offers practical insights into delivering better client outcomes.
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Inside the world of high net worth lending
The mortgage market continues to evolve, and so too does the answer to the question: what is a high net worth individual in today’s market? In this episode of the Mortgage Insider podcast, host Phil Spencer is …
Notes de l’épisode
The mortgage market continues to evolve, and so too does the answer to the question: what is a high net worth individual in today’s market?
In this episode of the Mortgage Insider podcast, host Phil Spencer is joined by Stephen Moroukian, Head of Product and Proposition for Real Estate Financing at Barclays Private Bank, and Islay Robinson, founder and CEO of Enness Global. Together, they explore what brokers really need to know when supporting high net worth individuals.
The discussion covers the growing use of shorter term mortgages and interest only mortgages, often used to support wealth structuring or for managing cash flow across complex portfolios. In addition, they highlight how traditional affordability checks rarely reflect the financial realities of clients with multiple income streams, differing levels of liquidity, offshore assets, or business holdings.
The conversation also shines a light on how specialist private banks take a more holistic view, considering everything from bonus income and capital events to future earnings and lifestyle goals. From client expectations to marketing strategies, this episode is packed with insights for brokers looking to elevate their proposition in the high net worth space.
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Is 2025 the year of the remortgage?
An estimated 1.8 million fixed rate mortgage deals are due to expire in 2025, 400,000 more than in 2024. This surge in remortgaging presents a critical opportunity for mortgage brokers to offer essential advice …
Notes de l’épisode
An estimated 1.8 million fixed rate mortgage deals are due to expire in 2025, 400,000 more than in 2024. This surge in remortgaging presents a critical opportunity for mortgage brokers to offer essential advice and financial support to homeowners across the UK, ensuring they transition smoothly to new deals amid stabilising interest rates and heightened affordability checks.
In this episode of the Barclays Mortgage Insider podcast, host Phil Spencer is joined by Karina Hutchins, Principal, Mortgage Policy at UK Finance. Together, they explore the unique factors driving this spike in fixed-rate maturities, from the post-COVID stamp duty holiday surge to the volatile interest rate environment following the 2023 mini-budget.
The conversation focuses on the importance of affordability checks, the distinction between product transfers and full remortgages, and the value of the advice process. Further insights are shared on how brokers can help borrowers avoid payment shock when transitioning from their existing fixed -ate mortgage and on the types of financial support available, including the Mortgage Charter and lender-led initiatives - solutions that many homeowners may be unaware of.
This instalment also evaluates broader market trends, such as rising demand for longer-term fixed-rate mortgages and the evolving role of mortgage brokers as trusted strategic advisers.
It’s an essential listen for those looking to strengthen client relationships, grow their business, and navigate the 2025 remortgaging wave with confidence.
This episode was recorded on 11th March 2025.
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How right-sizing could unlock capacity in the housing market
A recent report from Barclays revealed that right-sizing – when homeowners move to a more suitably sized property – could potentially free up 3.8 million homes and tackle the issue of 10 million unused bedrooms …
Notes de l’épisode
A recent report from Barclays revealed that right-sizing – when homeowners move to a more suitably sized property – could potentially free up 3.8 million homes and tackle the issue of 10 million unused bedrooms across the UK.
By supporting last-time buyers to make the move and release equity, this shift could help in unlocking the housing market and creating greater levels of movement across the entire housing chain. In this episode of the Mortgage Insider podcast, host and property expert Phil Spencer is joined by Sian McIntyre, Head of Acquisition & Engagement at Barclays UK Life Moments, and Jo Pocklington, Managing Director at Purplebricks Mortgages to evaluate this complex conversation.
Together, they explore what right-sizing really means, what’s stopping people from making the move, and why brokers should care – even when the customer may not need a mortgage. They also discuss the needs of last-time buyers, the benefits of releasing equity, and how developers, policymakers and families can all play a part in removing the practical and emotional barriers to moving.
Tune in for insights on later-life housing, stock shortages, affordability, and what needs to happen to get the market moving, from the top of the chain down.
Barclays’ Group Policy Development team creates public policy thought leadership content on behalf of Barclays. Our work draws on the bank’s expertise, data and insights, and is intended to inform the design and application of public policy solutions in response to pressing economic and societal challenges.
Barclays' report on Right-sizing can be found here:
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What brokers really need to know about Gen Z
Who are Gen Z, and why are they rewriting the financial advice rulebook? In this episode of the Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by two industry thought leaders …
Notes de l’épisode
Who are Gen Z, and why are they rewriting the financial advice rulebook?
In this episode of the Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by two industry thought leaders to explore how Gen Z navigates financial education through the digital world, their engagement with Finfluencers, and how brokers can use social media platforms to build trust and extend their reach to younger customers.
Joining the conversation are Dr Erika Anderson, Research Associate at the Financial Regulation Innovation Lab, University of Glasgow, and Tayo Oguntonade, former financial adviser, broker, TV presenter, and founder of Bricks with Tips.
Together, they examine the factors influencing Gen Z’s financial decisions, their approach to evaluating trustworthy advice, the role of social media in shaping their knowledge base, and how the intermediary market can adapt.
Tune in to this insightful discussion to discover how brokers can adapt, connect, and thrive in the Gen Z era.
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Climbing the property ladder – With or without the Bank of Mum & Dad
For many first-time buyers, the homeownership dream feels increasingly out of reach, with rising house prices and affordability challenges making it harder than ever to step onto the property ladder. As a …
Notes de l’épisode
For many first-time buyers, the homeownership dream feels increasingly out of reach, with rising house prices and affordability challenges making it harder than ever to step onto the property ladder. As a result, gifted deposits from family - often referred to as the ‘Bank of Mum & Dad’ - have become a crucial source of support. But what about those who don’t have parental help? From high LTV mortgages to Joint Borrower Sole Proprietor arrangements and Shared Ownership, there are a range of available options.
In this episode of the latest Mortgage Insider podcast, host and property expert Phil Spencer is joined by Simon Betteridge, CFO of Kensington and Barclays Mortgages, and Paula Higgins, founder and CEO of the Homeowners Alliance to explore the different types of mortgages designed to help first-time buyers for those with, and without this financial support, including solutions for freelance and self-employed borrowers.
Within this discussion, the trio also assess the role of specialist mortgage brokers in guiding clients through these choices, ensuring they find the right path to homeownership and the key trends which are likely to shape the first-time buyer market in 2025.
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Property trends and TV tales with Phil Spencer
Ever wondered how Phil met Kirsty or what he really thinks about the UK housing market? In this special episode of the Mortgage Insider Podcast, Phil Spencer takes the hot seat as Barclays Business Development …
Notes de l’épisode
Ever wondered how Phil met Kirsty or what he really thinks about the UK housing market? In this special episode of the Mortgage Insider Podcast, Phil Spencer takes the hot seat as Barclays Business Development Manager Claire MacPhail flips the script and puts him under the spotlight.
Phil tackles your burning questions from across the intermediary market, covering topics such as tips for first-time buyers, current property trends, the state of the buy-to-let sector and the great north/south divide.
He also shares his opinion on the best and worst home improvements, shifts in demand and homeownership aspirations, the impact of AI, and the value of the advice process.
But that's not all, Phil reveals how he got into TV, reflects on his history with Kirsty Allsopp, and even settles the age-old debate: jam or cream first on a scone?
Tune in for expert insights, candid moments, and a few laughs with one of the most relatable voices in property.
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The rise of The Mortgage Mum
The Mortgage Mum is a business that has achieved impressive growth by embracing open dialogue, fostering an inclusive culture, leveraging flexible working, and adopting an innovative social media approach. In …
Notes de l’épisode
The Mortgage Mum is a business that has achieved impressive growth by embracing open dialogue, fostering an inclusive culture, leveraging flexible working, and adopting an innovative social media approach.
In this episode of the Mortgage Insider Podcast, Sarah Tucker, founder and CEO of The Mortgage Mum, joins host and property expert Phil Spencer to share her inspiring journey from competing on The Voice to leading a thriving team of nearly 30 female brokers. She candidly reveals the realities of managing a business with a family and addresses the unique challenges facing women in the mortgage industry.
Sarah also discusses her passion for finance education, aiming to embed mortgage literacy in schools to create healthier relationships with money. As a leader, she emphasises the importance of listening and adapting her approach to empower each team member, reflecting on how the industry is evolving to support female brokers more effectively. Championing a “lift as you climb” philosophy, she advocates for elevating women in finance and breaking down barriers.
Looking ahead, Sarah shares her vision for The Mortgage Mum in what proves to be a highly insightful, illuminating and inspiring conversation.
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The UK housing market in 2024: key trends and future forecasts
The performance of the UK housing market in 2024 has largely exceeded many people's expectations, although challenges remain for first-time buyers due to house prices increasing and a testing rental market for …
Notes de l’épisode
The performance of the UK housing market in 2024 has largely exceeded many people's expectations, although challenges remain for first-time buyers due to house prices increasing and a testing rental market for many. Regional disparities, such as the North-South divide, also continue to influence housing accessibility and affordability for many buyers in pockets of the country.
In this episode of the Barclays Mortgage Insider podcast, host Phil Spencer is joined by Zoopla's Executive Director of Research, Richard Donnell, to discuss the intricacies of the UK housing market over the course of the year and explore what lies ahead in 2025.
They delve into its resilience amid high interest rates and inflation, exploring key topics including the current state of the residential and buy-to-let purchase markets, house price trends, and the rising prominence of professional landlords. They also cover the supply gap, the
impact of affordability checks, and the two-tiered mortgage market, highlighting refinancing, remortgaging and the influence of swap rates.
This instalment offers essential insights to help brokers stay informed on market developments as they prepare for the year ahead.
This episode was recorded on 30th September 2024.
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Allyship in action
Allyship is a vital component in advancing diversity and inclusion efforts, as it involves using our privilege to support underrepresented groups, including LGBTQ+ individuals and those within the …
Notes de l’épisode
Allyship is a vital component in advancing diversity and inclusion efforts, as it involves using our privilege to support underrepresented groups, including LGBTQ+ individuals and those within the neurodiversity spectrum. By actively participating in DEI initiatives and mentoring, allies help normalise conversations around representation while providing guidance and opportunities for marginalised communities.
Creating a more equitable world where everyone can thrive through allyship is at the heart of the latest episode of the Barclays Mortgage Insider podcast. This sees host and property expert Phil Spencer joined by Sidney Wager, head of intermediary market development at Barclays, and Aleka Gutzmore, award-winning financial adviser and educator, to discuss how allyship can be defined, perceived and implemented.
As well as covering topics such as the upcoming Barclays Diversity, Equity and Inclusion Summit and Awards, reverse mentoring and what actions brokers can be taking, the trio outline the importance of curiosity, empowerment, unconscious bias and being active rather than passive.
This makes for an informative, challenging and important discussion on an often underrepresented area of the DEI conversation.
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Chapitres (2)
What’s shaping the UK economy in the next six months?
With a new Labour government in place, an autumn budget and the US election fast approaching, the old suspects of inflation and tax rises still generating much debate, there’s plenty to discuss from an economic …
Notes de l’épisode
With a new Labour government in place, an autumn budget and the US election fast approaching, the old suspects of inflation and tax rises still generating much debate, there’s plenty to discuss from an economic standpoint.
To help break down this complex economic landscape and explore its implications for the intermediary mortgage market, by popular demand, Will Hobbs, Head of Multi-Asset Wealth at Barclays UK Wealth Management, returns to share his insights, clarify key trends and offer expert analysis on what the future holds for the industry.
With his characteristic optimism and boundless enthusiasm, Will joins host and property expert Phil Spencer to chat about the UK’s position in the global market, the upcoming budget, technological advancements, the lasting impact of the pandemic, housing supply challenges, public sector wages, and why he remains positive about the UK’s economic outlook.
This detailed assessment provides brokers with valuable perspectives and essential indicators on how to navigate the current economic climate and what to expect in 2025.
This episode was recorded on 3rd September.
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Exploring the protection conversation
During a cost of living crisis, the additional expense of life insurance, critical illness, income protection and even protecting a mortgage may seem like an unnecessary burden for homeowners. However, this …
Notes de l’épisode
During a cost of living crisis, the additional expense of life insurance, critical illness, income protection and even protecting a mortgage may seem like an unnecessary burden for homeowners. However, this protection is arguably more crucial than ever.
According to ONS figures, 2.5 million people in the UK are unable to work due to long-term illness, and Cancer Research data indicates that half of us will develop some form of cancer in our lifetime. So, how can mortgage intermediaries help their clients prepare for worst-case scenarios without coming across as if they're making a sales pitch?
Host and property expert Phil Spencer is joined by Barry Kellegher, performance manager at Legal & General, to discuss these three pillars of protection—life insurance, critical illness, and income protection. They explore how these protections differ, how individuals can better safeguard themselves, their loved ones, and their mortgages, and highlight just how tough these conversations can be.
Barry also shares his personal experience of suffering a sudden brain haemorrhage despite being fit and healthy. He explains what brokers can learn from his experience and how they can build deeper client relationships by offering tailored advice on these sensitive topics.
All of which proves to be an emotional, insightful and thought-provoking listen.
This episode was recorded on the 22nd of November.
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What mortgage brokers really need to know about AI
Machine learning in finance, the adoption of AI and technology regulation are all hot topics in their own right. Then throw into the mix the potential of automated mortgage advice and what an AI mortgage broker …
Notes de l’épisode
Machine learning in finance, the adoption of AI and technology regulation are all hot topics in their own right. Then throw into the mix the potential of automated mortgage advice and what an AI mortgage broker may look like and it's little wonder that intermediary firms across the UK are considering how the role of a broker may change as the AI revolution continues to gather pace.
So, what exactly does the mortgage intermediary market need to know about AI and how is it going to change the way they do business? This is the question posed by host and property expert Phil Spencer to guests Stuart Cheetham, CEO of Mpowered Mortgages, and Lilia Christofi, Microsoft's banking lead for Europe, the Middle East and Africa, in the latest episode of the award-winning Barclays Mortgage Insider Podcast.
This leads to an enlightening discussion which explores the differences between machine learning AI and generative AI, the reliance on cultural adoption, how the banking industry is coping with the adoption of AI, the challenges facing legacy platforms, and the ability of AI to increase workflows and enhance customer relations.
And this is certainly an episode which no forward-thinking broker can afford to miss.
This episode was recorded in April 2024.
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Chapitres (2)
Green mortgages explained
So, what are green mortgages? Green mortgages come in many different forms, but all aim to incentivise buyers in the purchase of energy efficient homes or make energy-related improvements. Through increased …
Notes de l’épisode
So, what are green mortgages?
Green mortgages come in many different forms, but all aim to incentivise buyers in the purchase of energy efficient homes or make energy-related improvements.
Through increased innovation and rising environmental awareness, green mortgage products are being launched at an ever-increasing rate to incorporate important factors such as decarbonisation, EPC ratings and retrofitting.
With this in mind, the latest episode of the award-winning Barclays Mortgage Insider Podcast sees host and property expert Phil Spencer joined by Kieran Campbell, head of sustainability & customer experience at London and Country and Rachael Hunnisett, associate director for built environment at the Green Finance Institute to help break down exactly how green mortgages work, who can get one, how they are financed and what brokers need to know about them.
The discussion also explores the history of the sector, how brokers can help stimulate demand, the nuances connected with green finance, the state of the current green mortgage market and what the future might look like.
In short, the green mortgage is here to stay and it should be heralded as a good thing. And, as a rapidly evolving area of the mortgage market, it’s imperative for brokers to stay informed about its potential benefits.
We hope this episode helps arm you with the information required to provide your clients with valued insights into this fascinating sector.
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