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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

Allyship is a vital component in advancing diversity and inclusion efforts, as it involves using our privilege to support underrepresented groups, including LGBTQ+ individuals and those within the neurodiversity spectrum. By actively participating in DEI initiatives and mentoring, allies help normalise conversations around representation while providing guidance and opportunities for marginalised communities.

Creating a more equitable world where everyone can thrive through allyship is at the heart of the latest episode of the Barclays Mortgage Insider podcast. This sees host and property expert Phil Spencer joined by Sidney Wager, head of intermediary market development at Barclays, and Aleka Gutzmore, award-winning financial adviser and educator, to discuss how allyship can be defined, perceived and implemented.

As well as covering topics such as the upcoming Barclays Diversity, Equity and Inclusion Summit and Awards, reverse mentoring and what actions brokers can be taking, the trio outline the importance of curiosity, empowerment, unconscious bias and being active rather than passive.

This makes for an informative, challenging and important discussion on an often underrepresented area of the DEI conversation.

Allyship is a vital component in advancing diversity and inclusion efforts, as it involves using our privilege to support underrepresented groups, including LGBTQ+ individuals and those within the neurodiversity spectrum. By actively participating in DEI initiatives and mentoring, allies help normalise conversations around representation while providing guidance and opportunities for marginalised communities.
Creating a more equitable world where everyone can thrive through allyship is at the heart of the latest episode of the Barclays Mortgage Insider podcast. This sees host and property expert Phil Spencer joined by Sidney Wager, head of intermediary market development at Barclays, and Aleka Gutzmore, award-winning financial adviser and educator, to discuss how allyship can be defined, perceived and implemented.
As well as covering topics such as the upcoming Barclays Diversity, Equity and Inclusion Summit and Awards, reverse mentoring and what actions brokers can be taking, the trio outline the importance of curiosity, empowerment, unconscious bias and being active rather than passive.
This makes for an informative, challenging and important discussion on an often underrepresented area of the DEI conversation.

Allyship in action

Rise in public sector wages Q&A

With a new Labour government in place, an autumn budget and the US election fast approaching, the old suspects of inflation and tax rises still generating much debate, there’s plenty to discuss from an economic standpoint. 

To help break down this complex economic landscape and explore its implications for the intermediary mortgage market, by popular demand, Will Hobbs, Head of Multi-Asset Wealth at Barclays UK Wealth Management, returns to share his insights, clarify key trends and offer expert analysis on what the future holds for the industry. 

With his characteristic optimism and boundless enthusiasm, Will joins host and property expert Phil Spencer to chat about the UK’s position in the global market, the upcoming budget, technological advancements, the lasting impact of the pandemic, housing supply challenges, public sector wages, and why he remains positive about the UK’s economic outlook. 

This detailed assessment provides brokers with valuable perspectives and essential indicators on how to navigate the current economic climate and what to expect in 2025. 

This episode was recorded on 3rd September.

With a new Labour government in place, an autumn budget and the US election fast approaching, the old suspects of inflation and tax rises still generating much debate, there’s plenty to discuss from an economic standpoint. 
To help break down this complex economic landscape and explore its implications for the intermediary mortgage market, by popular demand, Will Hobbs, Head of Multi-Asset Wealth at Barclays UK Wealth Management, returns to share his insights, clarify key trends and offer expert analysis on what the future holds for the industry. 
With his characteristic optimism and boundless enthusiasm, Will joins host and property expert Phil Spencer to chat about the UK’s position in the global market, the upcoming budget, technological advancements, the lasting impact of the pandemic, housing supply challenges, public sector wages, and why he remains positive about the UK’s economic outlook. 
This detailed assessment provides brokers with valuable perspectives and essential indicators on how to navigate the current economic climate and what to expect in 2025. 
This episode was recorded on 3rd September.

What’s shaping the UK economy in the next six months?

During a cost of living crisis, the additional expense of life insurance, critical illness, income protection and even protecting a mortgage may seem like an unnecessary burden for homeowners. However, this protection is arguably more crucial than ever.

According to ONS figures, 2.5 million people in the UK are unable to work due to long-term illness, and Cancer Research data indicates that half of us will develop some form of cancer in our lifetime. So, how can mortgage intermediaries help their clients prepare for worst-case scenarios without coming across as if they're making a sales pitch?

Host and property expert Phil Spencer is joined by Barry Kellegher, performance manager at Legal & General, to discuss these three pillars of protection—life insurance, critical illness, and income protection. They explore how these protections differ, how individuals can better safeguard themselves, their loved ones, and their mortgages, and highlight just how tough these conversations can be.

Barry also shares his personal experience of suffering a sudden brain haemorrhage despite being fit and healthy. He explains what brokers can learn from his experience and how they can build deeper client relationships by offering tailored advice on these sensitive topics.

All of which proves to be an emotional, insightful and thought-provoking listen.

This episode was recorded on the 22nd of November.

During a cost of living crisis, the additional expense of life insurance, critical illness, income protection and even protecting a mortgage may seem like an unnecessary burden for homeowners. However, this protection is arguably more crucial than ever.
According to ONS figures, 2.5 million people in the UK are unable to work due to long-term illness, and Cancer Research data indicates that half of us will develop some form of cancer in our lifetime. So, how can mortgage intermediaries help their clients prepare for worst-case scenarios without coming across as if they're making a sales pitch?
Host and property expert Phil Spencer is joined by Barry Kellegher, performance manager at Legal &amp; General, to discuss these three pillars of protection—life insurance, critical illness, and income protection. They explore how these protections differ, how individuals can better safeguard themselves, their loved ones, and their mortgages, and highlight just how tough these conversations can be.
Barry also shares his personal experience of suffering a sudden brain haemorrhage despite being fit and healthy. He explains what brokers can learn from his experience and how they can build deeper client relationships by offering tailored advice on these sensitive topics.
All of which proves to be an emotional, insightful and thought-provoking listen.
This episode was recorded on the 22nd of November.

What mortgage brokers really need to know about AI

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