The past few years have seen the relentless rise of the Bank of England base rate dominate lending and borrowing decisions across the mortgage market. This significant uplift has led to an even more complicated picture around affordability, stress testing, the influence of mortgage swap rates and generated a flurry of future interest rate forecasts amid some lingering economic uncertainty.

To add some clarity to these shifting market dynamics, the latest episode of Barclays Mortgage Insider Podcast sees host and property expert Phil Spencer joined by Charles Roe, director of mortgages at UK Finance.

With a huge number of moving parts involved in the lending and advice process,

Charles carefully evaluates the different funding mechanisms, outlines the subtle variations between traditional building society and banking models and explains the impact of Consumer Duty.

He also broaches the current Table Mountain interest rate approach as opposed to the more recent Matterhorn effect, emphasises the importance of the relationship between lenders and the intermediary market in generating good outcomes and highlights what brokers should be watching out for in 2024.

All of which makes for a detailed and illuminating analysis of past, present and future lending conditions.

This episode was recorded on 24th October 2023 prior to the Autumn Statement and the latest Bank of England base rate decision.

The past few years have seen the relentless rise of the Bank of England base rate dominate lending and borrowing decisions across the mortgage market. This significant uplift has led to an even more complicated picture around affordability, stress testing, the influence of mortgage swap rates and generated a flurry of future interest rate forecasts amid some lingering economic uncertainty.
To add some clarity to these shifting market dynamics, the latest episode of Barclays Mortgage Insider Podcast sees host and property expert Phil Spencer joined by Charles Roe, director of mortgages at UK Finance.
With a huge number of moving parts involved in the lending and advice process,
Charles carefully evaluates the different funding mechanisms, outlines the subtle variations between traditional building society and banking models and explains the impact of Consumer Duty.
He also broaches the current Table Mountain interest rate approach as opposed to the more recent Matterhorn effect, emphasises the importance of the relationship between lenders and the intermediary market in generating good outcomes and highlights what brokers should be watching out for in 2024.
All of which makes for a detailed and illuminating analysis of past, present and future lending conditions.
This episode was recorded on 24th October 2023 prior to the Autumn Statement and the latest Bank of England base rate decision.

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.

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