Mortgage Insider Barclays

Evolving and adapting to meet ever-changing lending and borrowing needs is second nature to mortgage brokers. Which leads to the question - how are they doing business differently in 2023?

In the latest episode of Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by two mortgage brokers - Helen Pierson, director at Mortgage Advice Bureau, New Homes and Neil Ryner, director of Ryner and Partners - to discuss shifting client needs and the impact on the advice process.

Within this discussion, they tackle a range of topics ranging from how to advise a generation of borrowers who haven't experienced an interest rate rise through to the importance of realigning business practices and marketing efforts to align with current market conditions.

The trio also address the pace of change throughout the mortgage industry, the difference between information and advice, the ongoing need for education and training, the impact of consumer duty, and the difficulties of identifying and servicing the needs of vulnerable clients.

This offers a fantastic insight into the life of a mortgage broker and the demands faced by themselves and their clients in the current economic climate.

This episode was recorded on 11th April.
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Buying a house remains one of life’s most stressful events but is the methodology too onerous, lengthy and overly complex?

This is the question, amongst many others, which was posed to representatives of three of the most prominent components in the homebuying process - the mortgage broker, the estate agent and the conveyancer.

Episode 8 of Barclays award-winning Mortgage Insider podcast sees mortgage broker Tom Jackson, managing director at Cooper Associates, Peter May, sales director at estate agency Location, Location and Suman Dally, head of conveyancing at law firm Shoosmiths join regular host and property expert Phil Spencer to provide an in-depth overview of the homebuying and selling journey.

This discussion includes their individual takes on the procedures involved in this journey, the importance of preparation and education for buyers and sellers, the reliance on government and trade bodies, the impact and limitations of technology, and how to speed up the transition from offer to exchange.

It’s vital for all links in the homebuying chain to find better ways to improve the customer experience and this podcast offers a great starting point to help transform what can be a sometimes archaic process.

 
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The UK mortgage market has always generated a huge variety of ways to help people achieve their homeownership goals and, despite operating in a higher interest rate and inflationary environment which is placing additional pressure on affordability, an array of mortgage products remain available to meet individual borrowing needs.

In the latest episode of Barclays Mortgage Insider podcast, regular host and property expert Phil Spencer chats with Rebekah Commane, Group Editor of Mortgage Strategy and Mortgage Finance Gazette and Michael Clarke, Product, Policy and Regulatory manager at Barclays to evaluate the many different types of mortgages currently on offer.

The discussion transitions from the multiple options available for first-time buyers through to the nuances of the Offset mortgage. It includes an in-depth look at Barclays Family Springboard mortgage, the Joint Borrower Sole Proprietor option, the appeal of tracker mortgages and a number of government and lender-led ways to bridge the gap left by the closure of the Help to Buy scheme.

This comprehensive overview of the current product arena also focuses on how to integrate a range of offerings into the advice process and how to think differently about mortgages in 2023.
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Mortgage brokers have always been on hand to support and deliver solutions for a variety of borrowers on what remains one of the largest and most emotive financial decisions they are ever likely to make. But how has the mortgage advice process changed following a string of events which have put personal and household finances under even greater scrutiny and resulted in an increasingly complex housing and mortgage market?

Host and property expert Phil Spencer speaks to Andrew Montlake, managing director of Coreco and chairman of the Association of Mortgage Intermediaries (AMI) and Charlotte Bates, co-founder of BatesWilcox Mortgage Solutions about the evolution of the mortgage advice process, how people are looking to receive this advice in the modern age and the challenges and opportunities facing mortgage brokers in the current market.

The latest episode in series 4 of Barclays award-winning Mortgage Insider podcast also sees the trio discuss the impact of technology, explore how to develop relationships with clients remotely, the use of social media, mental health and well-being in addition to how the industry is embracing diversity, inclusion and equality.

They also offer their predictions for the rest of 2023 and beyond as brokers, borrowers and lenders adjust to the new interest norm.
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With awareness rising over the environmental and cost implications generated by greater levels of energy efficiency within our homes, it’s little wonder that potential buyers are exploring the benefits of purchasing a new build property.
In Episode 5 of Barclays award-winning Mortgage Insider podcast, Matt Aston, Head of New Build at Barclays and James Holmear, Group Sales Director at Redrow join host and property expert Phil Spencer to gauge the temperature of the new build sector.

They evaluate how an increased consumer focus on energy efficiency is positively impacting the sector, the cost differentials between running a new home compared to older property types, retrofitting, sustainability, financing and the benefits attached to purchasers working with a broker for new builds. Topics which make for a wide-ranging and highly engaging discussion.
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The buy-to-let mortgage market has experienced many highs and some lows over the years but in the wake of speculation around a potential great buy-to-let property sell-off, what impact are recent events having on landlords and mortgage brokers?

The latest instalment in Series 4 of Barclays award-winning Mortgage Insider podcast sees host and property expert Phil Spencer canvass the opinion of Aneisha Beveridge, Head of Research at Hamptons International and Michelle Leyland, specialist BTL mortgage broker at South Yorkshire Money on the current and future state of the buy-to-let sector.

This discussion includes a focus on the rise of the limited company structure, the impact of a higher interest rate environment, the changing landlord profile, Build to Rent and the types of conversations advisers need to be having with their landlord clients.

With landlords needing more guidance than ever before and additional support with their scenario planning, this is an episode which mortgage advisers and landlords can’t afford to miss
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