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.

The mortgage market continues to evolve, and so too does the answer to the question: what is a high net worth individual in today&rsquo;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.

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.

Inside the world of high net worth lending

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.

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.

The 2026 outlook every broker needs to know


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.

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.

How can brokers identify and stop mortgage fraud?

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.

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.

Inside the world of high net worth lending

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