Joining host Tony Hall, is Lee Williams | LinkedIn, Jon Stones | LinkedIn & Sophie Waugh |LinkedIn
The panel discussed:
WorkingIn Mortgages - Shaping the future
Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.
Don't forget to follow our social channels...
Facebook
Joining host Tony Hall is Saffron for Intermediaries National Account Manager Phil Lawford, Paradigm Mortgage Services Director of Mortgages Richard Howes and we welcome back a friend of the show Anna Sagar Deputy Editor for Mortgage Solutions
The panel discussed:
Loosening of Lending Criteria – we are seeing a lot of lender criteria amendments, particularly around affordability. Are lenders doing enough and doing the right things to innovate the market?
Will the changes to lending rules make a difference?
Rate cuts – whilst it is generally seen as positive that lenders are reducing their rates, with some lenders cutting rates as frequently as three times in two weeks, is this causing disruption and instability to the market?
Buy To Let – Despite doom and gloom consistently predicted for the BTL market, landlords are still growing their portfolios – the panel discussed their outlook for the BTL sector.
The FCA’s Mortgage Rule Review - is still a cause of concern to brokers and distributors, could this lead topoorer customer outcomes? Finally, market predictions were given for the second half of this year.
Here is the link to register for a Mortgage Solutions account to read Anna’s informative articles, https://www.mortgagesolutions.co.uk/account-registration/?src=banner
https://www.yourmoney.com/mortgages/lenders-allowed-to-breach-15-high-loan-to-income-ratio/
https://www.bbc.co.uk/news/articles/cj0mny9pm2do
Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month.
Don't forget to follow our social channels...
Facebook
Joining host Tony Hall is Saffron for Intermediaries National Account Manager Phil Lawford, L&C Mortgages Head of High Net Worth Mortgages Rahul Nath and Independent James Principal James Carter
The panel discussed:
https://www.theguardian.com/money/2025/jun/07/uk-mortgages-100-loans-are-back-will-they-work-for-you
Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month.
Don't forget to follow our social channels...
Facebook
https://www.ft.com/content/b67ebebb-e118-4c8b-8c3d-b1fd4522ae32https://advias.co.uk/how-to-use-your-pension-to-raise-a-mortgage/Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.
Don't forget to follow our social channels...
Facebook
Joining host Tony Hall, Saffron for Intermediaries National Account Manager Phil Lawford, Luke Loveridge – CEO and co-founder of Propflo and Dan Gracie - Specialist Lending Director Panthera Finance.
The panel discussed:
· How the US trade tariffs may impact our market
· The new Minimum Energy Efficiency Standards (MEES) is out for consultation until 2nd of May. What is it's main purpose? What does it mean for landlords?
· Is now the time to consider discount mortgages if rates are falling?
· What is the confidence factor like for the rest of the year?
MinimumEnergy Efficiency Standards (MEES)
https://www.mortgagestrategy.co.uk/news/ms-october-news-analysis-p-is-uk-rental-market-heading-towards-the-us-model/https://www.mortgagestrategy.co.uk/news/ms-october-news-analysis-p-is-uk-rental-market-heading-towards-the-us-model/
Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.
Don't forget to follow our social channels...
Facebook
Joining host Tony Hall is Saffron for Intermediaries National Sales Manager Lee Williams, Matt Surridge - Interim Sales Director Primis / Director of Linear and Rebecca Shuttle – Award Winning Principal Owner and Mortgage and Protection Broker at MIMA Mortgage and Protection Advice.
Blog: The self-employed are being let down, but the opportunity is there – MortgageStrategy
The UK needs its self-employed, so why are we forgetting them? – Ward
Challenger and specialist banks growing market share, report finds - Money Age
Blog: Collaboration is key to making the most of specialistopportunities – Mortgage Strategy
Lenders will try to claw back market share from brokers, Robert Sinclair warns
Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.
Don't forget to follow our social channels...
Facebook
Joining host Tony Hall is Saffron for Intermediaries, Phil Lawford , Nicola Goldie Deputy Chair, IMLA and Head of Strategic Partnerships, Aldermore Bank and Laura Smith, BDM Saffron for Intermediaries.
https://workinginmortgages.org.uk/wp-content/uploads/2022/09/Final-Viewpoint-DI-Report.pdf
https://workinginmortgages.org.uk/
--
Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.
--
Don't forget to follow our social channels...
Joining host Tony Hall is Saffron for Intermediaries, Phil Lawford and BDM Leah Kavanagh, and friend of the podcast and his first time on screen, Head of Marketing for John Charcol, Nicholas Mendes.
--
Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.
--
Don't forget to follow our social channels...
In this episode of The Mortgage Conversation, the panel joining host Jay and Tony are Phil Lawford from Saffron for Intermediaries and special guest, Stephanie Daley from Alexander Hall.
This podcast reflects on the impact of 2024. What a new government has meant for the mortgage and property market. How the markets have reacted. The impact and changes in property prices and the challenges faced by both lenders and brokers.
In the second half, the panel predict what is likely to happen in 2025 with a foresight into the market, rates, BOE moves and some of the challenges faced by the market.
Don't forget to follow out social channels...
--
A brand new series and a brand new era as The Mortgage Conversation is born (formerly SFI (not so) LIVE) as we have a new studio, and our video podcast available on Spotify every month, is growing month on month.
Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on jay@sfinotsolive.co.uk.
In this episode the panel discuss, in detail, the benefits of self-build and custom build homes. Joining host Jay, and Tony are podcast regular, Phil Lawford from Saffron for Intermediaries.
In this incredibly educational podcast, Lisa talks of her experience as a self-builder, whilst Tony discusses his ongoing work with NaCSBA to educate home buyers to let them know how they can become part of the next generation of home builders. The panel also discuss the issues with planning and the need for planning reform. Can the new government move fast enough to make self and custom build homes an increasing part of the property ecosystem?
--
A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.
Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on jay@sfinotsolive.co.uk.
Joining host Jay, and Tony are podcast regular, Holly Andrews from Saffron for Intermediaries, Bhavika Gohil from Sai Finance and Dave Butler from Legal and General.
The panel begin by discussing the power and importance of mortgage protection - a topic not discussed in the media when talking about the impact of the cost of living crisis.
The panel also discuss the slow British buying process and the Bank of England's rate drop.
--
A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.
Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on jay@sfinotsolive.co.uk.
--
Brought to you by Saffron for Intermediaries | Saffron Building Society
--
Anna Sagar, Deputy Editor of Mortgage Solutions and Rahul Nath from London & Country Mortgages join Jay and Tony this month. In Phil's absence, Lee Williams also joins the panel too.
The panel discuss the aftermath of the election and analyse the promises and commitments made by the new Government. These include:
- Stamp Duty
- 1.5m Homes
- Renters RIGHTS bill
- Term Funding
and a whole lot more besides.
It's more than just politics, the panel discuss the impact the policies will have on home buyers, the markets, renters and landlords.
--
A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.
Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on jay@sfinotsolive.co.uk.
--
Brought to you by Saffron for Intermediaries | Saffron Building Society
--
Follow us on LinkedIn | Twitter | YouTube
--
A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.
Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on jay@sfinotsolive.co.uk.
Anna Sagar, Deputy Editor of Mortgage Solutions joins Tony, Phil and Jay this month. Following a cancellation, Anna joined the panel last minute and on the same day Rishi Sunak announced a snap, Summer election the timing could have not been better,
Take a listen as the panel discuss the implications of the election announcement, what to expect over the next 6 weeks, how it will affect the mortgage and property markets and what brokers can do to manage their customers / client relationships.
The panel also discuss what they want to see in the manifestos and what the parties need to do to ensure housing is one of the biggest priorities of the next administration.
--
A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.
Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on jay@sfinotsolive.co.uk.
--
Brought to you by Saffron for Intermediaries | Saffron Building Society
--
Follow us on LinkedIn | Twitter | YouTube
In conversation with Tony and Jay is the incredibly knowledgable and insightful Martin Reynolds, CEO at SimplyBiz and Chairmain on FIBA.
Join Tony Hall and host Jay Evans as they discuss all things self-build, custom build, and development finance with Martin covering planning reform, definitions of what each sector means for brokers, how each sector can improve the property market and the benefits to homeowners (including first-time buyers).
--
A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.
--
Brought to you by Saffron for Intermediaries | Saffron Building Society
--
Follow us on LinkedIn | Twitter | YouTube
In conversation with Tony, Phil and Jay is Editor of Specialist Lending Solutions and Deputy Editor of Mortgage Solutions Anna Sagar.
Join Tony Hall, Phil Lawford and host Jay Evans as they discuss the "pre-election" budget that didn't feel like a "pre-election budget" and what it means for homebuyers, homeowners, the property market and wider society.
--
A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on the Saffron for Intermediaries YouTube channel and on Spotify.
--
Brought to you by Saffron for Intermediaries | Saffron Building Society
Follow us on LinkedIn | Twitter | YouTube
--
To celebrate our new format and new season of SFI (not so) LIVE we are joined by Rachel Geddes who operates the City of London branch of the Mortgage Advice Bureau. A successful and passionate broker, especially in the buy-to-let market.
Join Tony Hall, Phil Lawford and host Jay Evans as they look past the doom-mongering in the media and analyse what is ACTUALLY happening in the UK buy-to-let mortgage market - which would appear to be a lot more positive.
--
A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on the Saffron for Intermediaries YouTube channel and on Spotify.
--
Brought to you by Saffron for Intermediaries | Saffron Building Society
What is complex lending? If you have been reading the recent news in the mortgage press you may have seen talk of complex lending. But what is it? What does it mean for brokers and borrowers? What situations, products and scenarios does it support?
These are the questions pondered and discussed on the podcast this month, with host Jay Evans, regular panelist Tony Hall and a brief visit by Phil Lawford and our guest expert, Lee Williams.
Find out why Saffron has adaopted Complex Lending, and is looking to add an additional category for mortgage lenders based on the modern day market.
**Special Announcement**
SFI (not so) LIVE is moving into the studio.
From March 2024, you will be able to watch as well as listen to our podcast as we embrace a new 4K Studio format. Audio podcasts will remain wherever you listen to us. But from March, you can watch us on Spotify, YouTube and other video platforms.
Follow Saffron for Intermediaries to keep up to date.
Welcome to the first episode of SFI (not so) LIVE of 2024.
In this episode Jay Evans, Tony Hall and Phil Lawford are joined once again by legal expert and podcast favoruite, Perdip Kaur Bhachu from Blacks Solicitors LLP.
Among the topics discussed is the Renters Reform Bill, EPC ratings, new build housing quality, self and custom build and much more.
Perdip provided a very detailed and informative run down of the legal status for buy-to-let landlords too - you will find the 30 minute analysis at the end of the podcast.
Enjoy!
--
Brought to you by Saffron for Intermediaries / Saffron Building Society.
The number one mortgage podcast in the UK returns with the panel discussing the introduction of tech in the mortgage industry, and thanks to our special guest, Jesper With-Fogstrop, CEO of Smoove we gain some insight into how technology is beginning to revolutionise the conveyancing process.
Also on the panel joining host Jay, was Phil Lawford and award-winning BDM, Lesley Terry who discussed tech in the mutual sector and led the discussion, with Jesper, around the Autumn Statement and its impact on the mortgage and property industries, and of course the affordability issue.
Finally, the whole panel gave their predictions and discussed their wishes for 2024. Listen to find out what they felt about the immediate future for the sector.
--
Finally, we are delighted to announce that we are Feedspot's Number One Mortgage Podcast in the UK. We are delighted and want to thank each and every one of our listeners,https://www.linkedin.com/in/mrjayevans/ our amazing guests and the reviewers at Feedspot. See the list here: https://podcasts.feedspot.com/uk_mortgage_podcasts/
--
Produced for Saffron Building Society and Saffron for Intermediaries by One Brick Communications.
