Chat about first-time buyers

With awareness rising over the environmental and cost implications generated by greater levels of energy efficiency within our homes, it’s little wonder that potential buyers are exploring the benefits of purchasing a new build property.
In Episode 5 of Barclays award-winning Mortgage Insider podcast, Matt Aston, Head of New Build at Barclays and James Holmear, Group Sales Director at Redrow join host and property expert Phil Spencer to gauge the temperature of the new build sector.

They evaluate how an increased consumer focus on energy efficiency is positively impacting the sector, the cost differentials between running a new home compared to older property types, retrofitting, sustainability, financing and the benefits attached to purchasers working with a broker for new builds. Topics which make for a wide-ranging and highly engaging discussion.

With awareness rising over the environmental and cost implications generated by greater levels of energy efficiency within our homes, it’s little wonder that potential buyers are exploring the benefits of purchasing a new build property. In Episode 5 of Barclays award-winning Mortgage Insider podcast, Matt Aston, Head of New Build at Barclays and James Holmear, Group Sales Director at Redrow join host and property expert Phil Spencer to gauge the temperature of the new build sector.
They evaluate how an increased consumer focus on energy efficiency is positively impacting the sector, the cost differentials between running a new home compared to older property types, retrofitting, sustainability, financing and the benefits attached to purchasers working with a broker for new builds. Topics which make for a wide-ranging and highly engaging discussion.

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 moreabout 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.

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.

Mortgage Insider

The award-winning Mortgage Insider Podcast - brought to you by Barclays Bank – is back and it’s even bigger and better than ever. Hosted by renowned TV presenter and property expert Phil Spencer, Series 4 takes you beyond the headlines to explore the challenges, changes and opportunities on offer across the UK housing and mortgage markets.

In the latest series, Phil grills leading industry experts from the world of financial services on topics such as business development, the performance and potential of the housing market, the evolving role of the mortgage broker and the outlook for the UK economy.

You can’t afford to miss it.

The award-winning Mortgage Insider Podcast - brought to you by Barclays Bank – is back and it’s even bigger and better than ever. Hosted by renowned TV presenter and property expert Phil Spencer, Series 4 takes you beyond the headlines to explore the challenges, changes and opportunities on offer across the UK housing and mortgage markets. In the latest series, Phil grills leading industry experts from the world of financial services on topics such as business development, the performance and potential of the housing market, the evolving role of the mortgage broker and the outlook for the UK economy.
You can’t afford to miss it.

Gauging the temperature of the new build sector

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pwc redsearch question

Mortgage brokers have long been experts in dealing with new challenges. Be this in the form of regulation, technology – especially AI –, a worldwide pandemic, rising interest rates and heightened cost of living pressures.

That’s quite a list, but it still doesn’t cover a fraction of the questions being asked of them by their clients in the current financial climate. So, how can brokers adapt their businesses to deal with this ever-changing world? Will AI replace mortgage brokers? And how important is greater collaboration in the industry to ensuring a more seamless homebuying and mortgage journey?

Joining host Phil Spencer to examine how brokers can overcome these testing times is Max North, director at Strategy&, the strategy consulting arm of PWC and Liz Syms, owner and founder of brokerage Connect Mortgages and mortgage network Connect for intermediaries.

The trio talk about the key factors which are impacting brokers’ daily lives and the advice they are giving. This highly illuminating discussion incorporates the magnitude of managing client expectations, the influence of Consumer Duty, the role of intergenerational wealth transfer, the opportunities attached to AI and how brokers can demonstrate their value now, and in the future.

This is an expansive topic which provides many valuable touch points for the intermediary community when it comes to assessing client requirements, as well as the needs of their business going forward.

Mortgage brokers have long been experts in dealing with new challenges. Be this in the form of regulation, technology – especially AI –, a worldwide pandemic, rising interest rates and heightened cost of living pressures.
That’s quite a list, but it still doesn’t cover a fraction of the questions being asked of them by their clients in the current financial climate. So, how can brokers adapt their businesses to deal with this ever-changing world? Will AI replace mortgage brokers? And how important is greater collaboration in the industry to ensuring a more seamless homebuying and mortgage journey?
Joining host Phil Spencer to examine how brokers can overcome these testing times is Max North, director at Strategy&amp;, the strategy consulting arm of PWC and Liz Syms, owner and founder of brokerage Connect Mortgages and mortgage network Connect for intermediaries.
The trio talk about the key factors which are impacting brokers’ daily lives and the advice they are giving. This highly illuminating discussion incorporates the magnitude of managing client expectations, the influence of Consumer Duty, the role of intergenerational wealth transfer, the opportunities attached to AI and how brokers can demonstrate their value now, and in the future.
This is an expansive topic which provides many valuable touch points for the intermediary community when it comes to assessing client requirements, as well as the needs of their business going forward.

How to adapt your business in an ever-changing world

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In recent times, there’s been much talk around the financial challenges facing the UK population. However, it’s important to remember that financial circumstances can also improve.

Additional, and often unexpected, funds can come in differing forms such as inheritance, insurance payout(s) or even winning the lottery. With inheritance being the most likely scenario, and paying off a mortgage high on the financial planning agenda of many homeowners, this often leads to the question - should I use this inheritance to pay off my mortgage?

The answer to this important question is one of the key talking points in the latest instalment of Barclays Mortgage Insider Podcast which sees host Phil Spencer joined by mortgage broker Carly Cheeseman and content creator, financial adviser and partnership development manager at The Openwork Partnership, Robyn Allen.

This discussion evaluates the options available to people when it comes to planning their financial future, the importance of the advice process, the strength of client relationships and the value of honest communication. It also focuses on the impact of Consumer Duty, how to adopt a more holistic approach and the benefits of attached to offset mortgages.

All with the intention of helping clients to look at the bigger picture rather than focusing on a small window.

In recent times, there’s been much talk around the financial challenges facing the UK population. However, it’s important to remember that financial circumstances can also improve.
Additional, and often unexpected, funds can come in differing forms such as inheritance, insurance payout(s) or even winning the lottery. With inheritance being the most likely scenario, and paying off a mortgage high on the financial planning agenda of many homeowners, this often leads to the question - should I use this inheritance to pay off my mortgage?
The answer to this important question is one of the key talking points in the latest instalment of Barclays Mortgage Insider Podcast which sees host Phil Spencer joined by mortgage broker Carly Cheeseman and content creator, financial adviser and partnership development manager at The Openwork Partnership, Robyn Allen.
This discussion evaluates the options available to people when it comes to planning their financial future, the importance of the advice process, the strength of client relationships and the value of honest communication. It also focuses on the impact of Consumer Duty, how to adopt a more holistic approach and the benefits of attached to offset mortgages.
All with the intention of helping clients to look at the bigger picture rather than focusing on a small window.

How to help clients when they have more money than expected

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The buy-to-let market has undergone some major challenges and changes in recent years, all of which have impacted landlords and property investors to varying degrees.

Rental yield has long been a vital component within landlord calculations but another increasingly important consideration in recent times has been whether to set up a limited company.

To incorporate or not to incorporate is one of the key talking points in the latest episode of Barclays award-winning Mortgage Insider Podcast. This discussion on the nuances of the current buy-to-let market sees host and property expert Phil Spencer joined by Emily Mays, founder of The Mortgage Stuff and Gina Peters, partner and head of landlord and tenant law at Dutton Gregory Solicitors.

Within this, the trio focus on the stamp duty surcharge, the Renters Reform Bill, opportunities for property investors, short-term and holiday lets, ongoing tax implications, rent-to-rent, how brokers can help buy-to-let clients in 2024 and where to aim their advice.

All of which demonstrates the additional thoughts and planning required by landlords and property investors, as well as the value attached to the advice process in such a complex and fast-paced sector.

This episode was recorded on 22nd November 2023.

The buy-to-let market has undergone some major challenges and changes in recent years, all of which have impacted landlords and property investors to varying degrees.
Rental yield has long been a vital component within landlord calculations but another increasingly important consideration in recent times has been whether to set up a limited company.
To incorporate or not to incorporate is one of the key talking points in the latest episode of Barclays award-winning Mortgage Insider Podcast. This discussion on the nuances of the current buy-to-let market sees host and property expert Phil Spencer joined by Emily Mays, founder of The Mortgage Stuff and Gina Peters, partner and head of landlord and tenant law at Dutton Gregory Solicitors.
Within this, the trio focus on the stamp duty surcharge, the Renters Reform Bill, opportunities for property investors, short-term and holiday lets, ongoing tax implications, rent-to-rent, how brokers can help buy-to-let clients in 2024 and where to aim their advice.
All of which demonstrates the additional thoughts and planning required by landlords and property investors, as well as the value attached to the advice process in such a complex and fast-paced sector.
This episode was recorded on 22nd November 2023.

Gauging the temperature of the new build sector

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