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.

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.

Mortgage Insider Series 4 Trailer

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.

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.&nbsp;
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.

Can new build housing meet demand in 2026?

https://api.omny.fm/orgs/2e9a850c-e6b9-48c2-afec-a8f8010f70f4/clips/94e20c2d-8a11-4bfc-9fcd-b43d0106db11/transcript

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/ 

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&nbsp;turbulence&nbsp;and the potential direction of Bank of England interest rates.&nbsp;
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.&nbsp;
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.&nbsp;
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.&nbsp;
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:&nbsp;<a href="https://mimhc.co.uk/">https://mimhc.co.uk/</a>&nbsp;

What does the UK economy mean for mortgage rates right now? 

https://api.omny.fm/orgs/2e9a850c-e6b9-48c2-afec-a8f8010f70f4/clips/84b58ad9-4cbc-46ea-8eea-b42c0082f8c2/transcript

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.

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&rsquo;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.

Should every first time buyer be treated as vulnerable?

https://api.omny.fm/orgs/2e9a850c-e6b9-48c2-afec-a8f8010f70f4/clips/838c2875-fea7-44e5-8ffd-b40c0109732f/transcript

Mortgage Insider Series 4 Trailer

In 1 playlist(s)

Mortgage Insider

Social links

Follow podcast

Recent clips