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Machine learning in finance, the adoption of AI and technology regulation are all hot topics in their own right. Then throw into the mix the potential of automated mortgage advice and what an AI mortgage broker may look like and it's little wonder that intermediary firms across the UK are considering how the role of a broker may change as the AI revolution continues to gather pace. 

So, what exactly does the mortgage intermediary market need to know about AI and how is it going to change the way they do business? This is the question posed by host and property expert Phil Spencer to guests Stuart Cheetham, CEO of Mpowered Mortgages, and Lilia Christofi, Microsoft's banking lead for Europe, the Middle East and Africa, in the latest episode of the award-winning Barclays Mortgage Insider Podcast. 

This leads to an enlightening discussion which explores the differences between machine learning AI and generative AI, the reliance on cultural adoption, how the banking industry is coping with the adoption of AI, the challenges facing legacy platforms, and the ability of AI to increase workflows and enhance customer relations. 

And this is certainly an episode which no forward-thinking broker can afford to miss. 

This episode was recorded in April 2024. 

Machine learning in finance, the adoption of AI and technology regulation are all hot topics in their own right. Then throw into the mix the potential of automated mortgage advice and what an AI mortgage broker may look like and it's little wonder that intermediary firms across the UK are considering how the role of a broker may change as the AI revolution continues to gather pace. 
So, what exactly does the mortgage intermediary market need to know about AI and how is it going to change the way they do business? This is the question posed by host and property expert Phil Spencer to guests Stuart Cheetham, CEO of Mpowered Mortgages, and Lilia Christofi, Microsoft's banking lead for Europe, the Middle East and Africa, in the latest episode of the award-winning Barclays Mortgage Insider Podcast. 
This leads to an enlightening discussion which explores the differences between machine learning AI and generative AI, the reliance on cultural adoption, how the banking industry is coping with the adoption of AI, the challenges facing legacy platforms, and the ability of AI to increase workflows and enhance customer relations. 
And this is certainly an episode which no forward-thinking broker can afford to miss. 
This episode was recorded in April 2024.

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.

What mortgage brokers really need to know about AI

So, what are green mortgages?



Green mortgages come in many different forms, but all aim to incentivise buyers in the purchase of energy efficient homes or make energy-related improvements.



Through increased innovation and rising environmental awareness, green mortgage products are being launched at an ever-increasing rate to incorporate important factors such as decarbonisation, EPC ratings and retrofitting.

With this in mind, the latest episode of the award-winning Barclays Mortgage Insider Podcast sees host and property expert Phil Spencer joined by Kieran Campbell, head of sustainability & customer experience at London and Country and Rachael Hunnisett, associate director for built environment at the Green Finance Institute to help break down exactly how green mortgages work, who can get one, how they are financed and what brokers need to know about them.

The discussion also explores the history of the sector, how brokers can help stimulate demand, the nuances connected with green finance, the state of the current green mortgage market and what the future might look like.

In short, the green mortgage is here to stay and it should be heralded as a good thing. And, as a rapidly evolving area of the mortgage market, it’s imperative for brokers to stay informed about its potential benefits.

We hope this episode helps arm you with the information required to provide your clients with valued insights into this fascinating sector.

So, what are green mortgages?
 
Green mortgages come in many different forms, but all aim to incentivise buyers in the purchase of energy efficient homes or make energy-related improvements.
 
Through increased innovation and rising environmental awareness, green mortgage products are being launched at an ever-increasing rate to incorporate important factors such as decarbonisation, EPC ratings and retrofitting.
With this in mind, the latest episode of the award-winning Barclays Mortgage Insider Podcast sees host and property expert Phil Spencer joined by Kieran Campbell, head of sustainability &amp; customer experience at London and Country and Rachael Hunnisett, associate director for built environment at the Green Finance Institute to help break down exactly how green mortgages work, who can get one, how they are financed and what brokers need to know about them.
The discussion also explores the history of the sector, how brokers can help stimulate demand, the nuances connected with green finance, the state of the current green mortgage market and what the future might look like.
In short, the green mortgage is here to stay and it should be heralded as a good thing. And, as a rapidly evolving area of the mortgage market, it’s imperative for brokers to stay informed about its potential benefits.
We hope this episode helps arm you with the information required to provide your clients with valued insights into this fascinating sector.

Green mortgages explained

pod end

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

Q about consumer duty for individuals - can ta

Q here about always paying down M early repeit

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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.

What mortgage brokers really need to know about AI

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