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.

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 &pound;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.

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 &ndash; brought to you by Barclays &ndash; 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&nbsp;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.&nbsp;
The Mortgage Insider Podcast &ndash; you can&rsquo;t afford to miss it.
&nbsp;

Mortgage Insider

This is the award-winning Mortgage Insider from Barclays. Renowned property expert and TV presenter Phil Spencer MBE guides you through the trials and tribulations of the housing world.

Every month, Phil is joined by industry leaders from the world of economics, financial services, house buying and home building. They take you beyond the headlines to help you navigate the evolving world of mortgage markets, sharing practical tips along the way.

Listen to find out more about the trends and developments in today's mortgage market, including the latest on changes to the housing buying process, what's new in new-build and how consumers are using AI.

This is the award-winning Mortgage Insider from Barclays. Renowned property expert and TV presenter Phil Spencer MBE guides you through the trials and tribulations of the housing world.
Every month, Phil is joined by industry leaders from the world of economics, financial services, house buying and home building. They take you beyond the headlines to help you navigate the evolving world of mortgage markets, sharing practical tips along the way.
Listen to find out more about the trends and developments in today's mortgage market, including the latest on changes to the housing buying process, what's new in new-build and how consumers are using AI.

How can brokers make the most of the remortgage opportunity?

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.

The UK housing affordability crisis continues to reshape the path to homeownership, with more young adults relying on family support than ever before. &nbsp; 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 &lsquo;Bank of Mum and Dad&rsquo; and the rise of the &lsquo;Hotel of Mum and Dad&rsquo; as strategies to overcome one of the biggest barriers in the market, which is deposit. &nbsp; 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. &nbsp; 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. &nbsp; 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&rsquo;t want to miss.

How essential is the ‘Bank of Mum and Dad’ for first-time buyers?

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?

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 &amp; Strategy and expert on human behaviour and financial decision making, and Chris Williams, Founder &amp; 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&rsquo;s role in guiding and reassuring customers through what remains a complex home buying experience.
Looking ahead, the episode considers what&rsquo;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?

How is AI transforming the home buying journey?

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.

 

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&rsquo;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&rsquo;s most distinct property markets.
&nbsp;

What is making the Scottish housing market so different to England right now?

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How can brokers make the most of the remortgage opportunity?

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