Name: An Economist View of the 2024 Mortgage Landscape
Start: 2024-01-26T11:00:00Z
End: 2024-01-26T11:00:47.000Z
Location: BrightTALK
Rating: 4.8

Your one-stop shop for all our lender webcasts, roundtables and educational videos. Also sign up for live webinars and search our archive of videos including footage of Mortgage Club events.

Join our new coffee morning host, Elle Heal, who will be discussing second charges with Matt Tristram, MD of Loans Warehouse. 

Whether you're new to second charges or looking to sharpen your expertise, this webinar breaks down the essentials and uncovers powerful strategies for using second charge mortgages to solve real-world client challenges. From myth-busting to case studies, we’ll explore how second charges can protect low rate first mortgages, boost affordability, and open new doors for clients, and for your business.

Second Charge Secrets: Unlocking Smarter Solutions for Every Client

A L&G Ignite Webinar

The Buy-to-Let (BTL) market is facing unprecedented challenges. With rising interest rates, evolving regulatory demands, and shifting lender criteria, brokers are under more pressure than ever to deliver for their landlord clients. Join us for an exclusive webinar, chaired by Jane Simpson (Head of Strategic Accounts - Broker, L&G Mortgage Services), where a panel—including Kelly Bretherton (Head of Ignite), Louise Apollonio (Sales & Distribution Director, The Mortgage Lender), and Sophie Waugh (Mortgage Technical Manager/Associate Mortgage Adviser at John Charcol) will tackle the most pressing questions in BTL affordability.
This session will explore:
• The biggest hurdles brokers face in today’s affordability assessments.
• How lenders are adapting their criteria in response to market and regulatory pressures.
• The impact of stress testing, rental coverage ratios, and the rise of flexible underwriting approaches.
• Whether portfolio landlords are being disproportionately affected—and what brokers can do about it.
• The evolving role of technology and sourcing systems in navigating complex affordability rules.
• Predictions for the next 12 months: what’s changing, and how brokers can prepare.
• Actionable advice from industry leaders to help brokers thrive in a challenging landscape.
• Plus, discover how L&G Ignite’s Affordability Tool is empowering brokers to overcome BTL affordability challenges. 
Whether you’re a seasoned broker or new to the BTL sector, this webinar will equip you with the latest insights, practical tools, and forward-looking strategies to support your clients and grow your business. Register for free today.

Unlocking Buy-to-Let Affordability: Insights, Strategies, and the Road Ahead

Clare Beardmore, Director - L&G Mortgage Club and Adrian Moloney, Group Intermediary Director at OSB Group sit down to explore the future of mortgages in the specialist space.  

Join our upcoming webinar with OSB Group, to learn how their brand strategy, built on industry-leading service and trusted partnerships, leverages the strengths of diverse brands - Precise, Interbay, and the newest addition, Rely. Gain insights into how the launch of Rely is opening doors for intermediaries and landlords seeking tailored lending solutions. 

We’ll explore the evolving new build market and how Precise continues to support this sector with enhanced offerings, such as increased LTV options and more flexible income assessments. Hear about our close work with regulators and the value of partnerships that enable us to support a broader range of clients. 

The webinar will also spotlight the role of AI and innovative technology in boosting adviser efficiency and maintaining a personal touch. You’ll see how user-friendly platforms and the latest Ignite features offer real-time information, empowering advisers to make smarter sourcing decisions. 

With the UK commercial mortgage market booming in 2025, our experts will discuss how advisers can diversify into commercial and bridging loans, expanding beyond traditional residential lending.  

This dynamic webinar is perfect for advisers eager to upskill, grow their client base, or stay ahead in a changing market. Don’t miss your chance to access the latest strategies, tools, and opportunities shaping the future of specialist lending.

When Clare met Ade - the future of mortgages in the specialist space

Do you have older clients who are:
• Stuck on interest-only mortgages?
• Paying high Standard Variable Rates?
• Or approaching the end of their repayment term with no clear solution?

Many homeowners are facing increased financial pressure at a stage in life when resilience may be at its lowest. As a trusted adviser, you’re in a powerful position to make a difference.

Join our upcoming webinar to explore how you can support clients in this situation, including how equity release and other later-life lending solutions can help them manage rising costs and achieve greater financial flexibility.

Helping Older Customers Manage Mortgage Pressures Through Later Life Lending

Join Jean Errington, Telephone Business Development Manager to hear how Harpenden Building Society can assist with the cases that require an individual assessment.

Flexible Lending

Join us for a practical deep dive into how lenders assess self-employed mortgage applications - and exactly what you need to gather in advance to give your clients the best chance of approval. 

In this session we'll cover: 

• How lenders evaluate income, profit, and business structure
• The role of business accounts, tax returns, SA302s and more
• What the underwriter will look for
• Red flags and common pitfalls
• Tips to strengthen an application and speed up approval
• How Furness's individual underwriting approach can help you with self-employed clients and complex incomes

Self-Employed borrowing: What lenders look for and how to ace your case

In a fast-moving market, brokers are under increasing pressure to deliver solutions that meet the diverse needs of their customer base. From first time buyers, to home movers, to landlords and those seeking a second charge, staying ahead of industry trends is essential to growing your business.

Join United Trust Bank's webinar as we explore the latest developments across residential, buy to let and second charge markets, highlighting opportunities and challenges that are shaping demand.

Discover how flexible criteria, open dialogue with underwriting and a specialist approach help turn those complex cases into successful completions, helping you say yes to more customers.

Boost Your Business with UTB Mortgages: Complex Lending Made Simple

Join us for a panel discussion tailored for mortgage brokers eager to expand their expertise in the later life lending market. With demographic shifts and evolving needs among older borrowers, later life lending is fast becoming a key growth area in the mortgage sector. 

Hear from: 
LiveMore 
Mansfield Building Society 
Family Building Society 
Harpenden Building Society 
Vernon Building Society 

This webinar brings together expert speakers from leading lenders in this area, to shed light on the latest trends, product solutions, and practical approaches for serving clients aged 55 and above. 

Our panel will explore: 
The current landscape and future direction of later life mortgages in the UK 
Key product innovations and criteria from specialist lenders 
Best practices for advising older borrowers, including affordability and risk considerations 
Live Q&A session 

Whether you're new to later life lending or looking to deepen your understanding, this session will provide practical insights and real-world perspectives from those leading the way in this specialist market. Don't miss the chance to connect with lenders, ask your burning questions, and discover how you can support your clients' evolving needs.

Product Innovation and Partnership in Later Life Lending

Join Louise Weiss at Bank of Ireland for Intermediaries as she explores how changing demographics shaped by evolving ways of earning, living, and borrowing are redefining mortgage advice.

Discover why going beyond the rate and focusing on finding solutions is essential for today’s mortgage advisers.

Structuring solutions beyond the rate

Learn about more opportunities, more options and more ‘Yes’ for clients over 50!

Join Darren Cunliffe and Steven Bailey of LiveMore Mortgages who will present:

- A later life market update and highlight the growing opportunities for intermediaries 

- The affordability options available and considerations around client income, properties and credit 

– Our broad later life lending range, including our limited-edition offer of £1000 cashback

- A discussion on the FCA Consultation paper and What LiveMore is doing

LiveMore make it easier to recommend products for the over 50s in the age of Consumer Duty.

Want to know more about a growing market and opportunity?

Property investors are facing a bitter cocktail of higher interest rates, rising costs, and an increasing regulatory burden. Rental yields have flattened, and many are questioning how to achieve sustainable returns.

Within this challenging environment lies an opportunity: refurbishment. By improving quality, expanding footprints, or converting into higher-yielding uses such as HMOs, landlords can unlock both stronger rental performance and greater capital value.

In this session, we’ll explore why refurbishment is becoming central to the economics of property investment, which projects are driving returns, and how specialist finance can help accelerate equity growth. We’ll also share how our refurbishment lending product was designed to meet these needs, giving borrowers the flexibility to enhance assets and realise lasting value.

From Low Returns to Lasting Value: The Case for Refurbishment Lending

Join Liam Cooper, BDM at Zephyr Homeloans, as he reveals the latest insight from The DPS landlord survey, and how you can turn it into opportunities. He’ll wrap up by sharing the biggest opportunity — why Zephyr’s BTL solutions can give you and your clients the edge. If you have landlord clients, it’s a webinar that’s not to be missed!

The BTL Edge: Turning Insight Into Opportunities

Join us for an interactive virtual roundtable designed exclusively for mortgage advisers eager to enhance their Continuing Professional Development (CPD). This engaging session will shine a spotlight on specialist areas, providing a unique opportunity to explore the evolving landscape of niche mortgage products and solutions. 

Hear from industry experts as they deliver focused presentations on topics such as self-build, international lending, protection and later life. Each speaker will demystify specialist products, share actionable insights, and offer practical tools you can use to better serve clients with unique needs. 

Session topics include:
L&G Retail Protection: The importance of Protection
L&G Home Finance: Later Life Lending
Molo: International Lending
Saffron for Intermediaries: Self-Build

This session will be live, and we encourage you to ask questions. 

Once you’ve watched the webinar, download your Viewing Certificate for evidence of your learning.

Virtual Roundtable: Exploring Specialist Areas

Join our upcoming webinar as we delve into the Financial Conduct Authority’s DP25/2 consultation response - a pivotal moment in the evolution of mortgage regulation. 

Following on from our previous webinar, Navigating the FCA's Mortgage Rule Review, in June, this session will unpack the latest paper’s key proposals, including reforms to affordability and stress testing, innovative approaches for later-life lending, redefining risk appetite, and enhancing customer understanding. 

Clare Beardmore will be joined by:
• Steph Charman, CEO of the Association of Mortgage Intermediaries (AMI)
• Jane Simpson, Head of Strategic Accounts - Broker at L&G Mortgage Services 
• Sebastian Murphy, Group Director at JLM Mortgage Services

Key discussion topics: 
• AI-assisted advice: Exploring the role of artificial intelligence in delivering enhanced mortgage guidance. 
• Enhanced advice proposals: Reviewing new approaches for improving the quality and effectiveness of mortgage advice. 
• The wider housing ecosystem: Considering factors beyond FCA's remit, such as the need for increased housing stock and appropriately sized homes to support first-time buyers. 
• Importance of disclosures: Highlighting the significance of transparency and clear information for consumers. 

Whether you’re a lender or adviser, this webinar offers a comprehensive overview of the regulatory landscape and its impact on the journey to homeownership. Discover how your feedback and involvement can influence the future direction of the UK mortgage market.

The Future of Mortgage Regulation – Insights from FCA DP25/2

Recent feedback received from brokers all across the market suggests that nothing is straightforward anymore, with many turning to more niche lenders for a bespoke, common sense approach far more often. With this in mind, we’ve fine-tuned our approach to complex lending, focusing heavily on how we can support clients with non-standard incomes and unique properties. During this webinar we will touch on key trends we have recognised in recent months and what we can do to help combat any hurdles these present.

Complex Income & Property

A concessionary purchase mortgage is designed for buyers purchasing a property at a discount to its market value. This discount can arise through various arrangements, such as family members wanting to help each other out, landlord selling to a long-standing, or buying inherited properties where the purchaser is acquiring other beneficiaries’ shares. Because the purchase price is below the typical market level, lenders need to carefully assess the transaction to ensure the discount is genuine and that the loan remains secure and affordable. 
 
How does this play in to the current mortgage market and how can this support you and your clients for first time buyers looking to buy their first home as well as landlords looking to re structure their portfolio or sell existing property.

Concessionary purchase mortgages explained:   a guide for brokers

Join us for an insightful webinar exploring the latest Loan-to-Income (LTI) changes introduced by lenders following the recent—and positive—regulatory developments in the UK mortgage industry. Our panel of leading experts will discuss why lenders have responded so swiftly, the advantages these changes bring, how they helped work with the government and regulator to encourage these changes, and what brokers need to know to best serve their clients in this evolving landscape. 

This session aims to deliver thought leadership for brokers, helping you anticipate market movements, understand the implications for affordability, and leverage new opportunities. 
The conversation will also spotlight Ignite, highlighting both its integral role within the affordability pillar and its ability to support mortgage brokers in finding the most suitable products for their clients. 

Host 
• Greg Cunnington - Head of Strategic Account (Lender), L&G Mortgage Services

Speakers 
• Jeremy Duncombe – Managing Director, Accord Mortgages 
• James Briffitt – Head of Intermediary Sales and New Build, Nationwide 
• Kelly Bretherton – Head of Ignite, L&G Mortgage Services 
• David Hollingworth – Associate Director Communications, L&C Mortgages

Navigating Recent LTI Changes in the UK Mortgage Market

Join us for an insightful panel discussion on Complex Income, where industry experts will share their knowledge and expertise on handling complex income scenarios. This webinar is designed specifically for UK mortgage brokers who are looking to deepen their understanding and enhance their skills in managing clients with diverse and intricate income streams.

Panel Speakers from:
• Gatehouse Bank
• Saffron for Intermediaries
• Mansfield Building Society
• Darlington Intermediaries
• Swansea Building Society

Key Topics:
• Understanding the nuances of complex income types, including self-employment, multiple income sources, and irregular earnings.
• Strategies for presenting complex income cases to lenders.
• Common challenges and solutions in securing mortgages for clients with complex income.
• Latest trends and regulatory updates affecting complex income assessments.

Mastering Complex Income: Best Practices for Mortgage Brokers

Our August coffee morning will be focused upon commercial finance, and for this session, our usual host Sophie Holloman, will be joined by Mark Jones, Director of Omega Commercial Solutions.

Omega are one of L&G Mortgage Club’s specialist partners for commercial finance, development finance and commercial mortgages through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals. 

Commercial financing comes in many shapes and sizes, ranging from term loans and revolving lines of credit to business mortgages, equipment loans, cash advances and more. Sophie and Mark will primarily discuss the range of options available to business within the commercial finance realm. 

As a DA broker, if you have a client with a commercial finance need that you cannot service yourself, then by using the Referral Pro Scheme, you can assist them, by partnering with the right firm, and in doing so, earn commission for referring these types of clients.

Commercial Finance Spotlight with Omega Commercial Solutions

Our July coffee morning will be focused upon high valuations and restricted lenders, and for this session, our usual host Sophie Holloman, will be joined by Gareth Lowman, Director of SPF Private Clients.

SPF Private Clients are one of L&G Mortgage Club’s specialist partners for high value mortgages and restricted mainstream lending through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals. 

Sophie and Gareth will discuss the complexities involved with million pound plus properties which often require the services of lenders that many DA firms don’t have access to. However, by using the Referral Pro Scheme, DA firms can assist clients whose needs involve high valuations, by partnering with the right firm, and in doing so, how you as a mortgage adviser, can earn commission for referring these types of clients.

High Valuations & Restricted Lenders Spotlight - Earn Commission for Referrals

Our June coffee morning will be focused upon wills & trusts, and for this session, our usual host Sophie Holloman, will be joined by James Peacock, Head of National Accounts & Partnerships at Kinherit.

Kinherit are one of L&G Mortgage Club’s specialist partners for Wills & Trusts through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals. 

Sophie and James will discuss what wills and trusts are and their importance to mortgage clients (particularly important if you live with someone with whom you are not married to), how Kinherit can support clients to make a will or a trust, and most importantly, how you as a mortgage adviser, can earn commission for referring clients who need a will to trust to protect their circumstances. 

So if you want to understand more about our Referral Pro Scheme, and how it works through the example of wills & trusts, this webinar is not to be missed.

Wills & Trusts Spotlight - Earn Commission for Referrals

Our May coffee morning will be focused on bridging, and for this session, our usual host Sophie Holloman, will be joined by David Coleman, Head of Sales at Positive Lending.

Bridging loans are often used by clients who want to buy a new home before selling their current one, and so they take out short-term loan used to help ‘bridge the gap’. 

Positive Lending are one of L&G Mortgage Club’s specialist partners for Bridging through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals. 

Sophie and David will discuss how bridging works, the types of scenarios in which it can help your clients, the importance of speed in the process, and most importantly, how you as a mortgage adviser, can earn commission for referring clients who need a bridging loan to achieve their goals. 

So if you want to understand more about our Referral Pro Scheme, and how it works through the example of bridging, this webinar is not to be missed.

Bridging Spotlight - Earn Commission for Referrals

Our April coffee morning will be focused upon conveyancing, and for this session, our usual host Sophie Holloman, will be joined by Emma Hall, Key Relationship Director at Movin Legal.

Conveyancing is a key stage within the house buying process, and its important that brokers efficiently partner with a solicitor or conveyancer to handle to the legal aspects of property purchases, to ensure a smooth journey for their clients. 

Movin Legal are one of L&G Mortgage Club’s conveyancing partners through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals. 

Sophie and Emma will discuss how easy it is for brokers to refer their clients to our conveyancing panel and what the average commission rate is that can be earned. They will also look at what Movin Legal do and how they differentiate from other conveyancing firms. 

So if you want to understand more about our Referral Pro Scheme, and how it works through the example of conveyancing, this webinar not to be missed.

Earn Commission for Referrals to our Conveyancing Panel

Our March coffee morning will be focused upon the Self-employed market, and for this session, our usual host Sophie Holloman, will be joined by Jonathan Mann, Corporate Account Manager at One Savings Bank Group.

The self-employed market is constantly evolving and with it the need for lenders to adapt, especially when it comes to how they assess their incomes which are often in complex structures. Self-employed customers are struggling more than ever to secure the mortgage or loan they need with mainstream lenders, due to trading periods of less than 2-3 years or their unpredictable and varied income structures.  

It’s important that lenders understand the difficulties self-employed customers face and can take a more pragmatic and flexible approach when underwriting their cases. As an adviser, it’s equally important to understand how lenders operate in this space so you can fully support your self-employed customers.

This session will look at:

• Identifying affordability boosters 
• Why understanding financial and trading year ends can make the difference 
• A lender’s interpretation on accounts and tax calculations/tax year overviews
• Share Net Profit, Returned Profit Adverse Projections
• Complex incomes; Day rate contractors/IR35, CIS workers

Exploring the complexities of an evolving Self-Employed market

Our February coffee morning will be focused upon 2nd charge mortgages, and for this session, our usual host Sophie Holloman, will be joined by David Paton, Business Development Manager at Fluent Money.

Sophie & David will discuss how 2nd charge mortgages work, and why brokers are often apprehensive to recommend them to clients. They will discuss the pros and cons of 2nd charges, the type of scenarios and clients for whom this type of loan might be a viable option, as well as exploring the process of how 2nd charges are placed. This session will be useful for those brokers wanting to know more about these type of mortgage loans, and Fluent Money will be able to highlight the type of support they can offer in this area.

Putting 2nd Charges under the Spotlight

2024 Coffee Mornings

Join our first coffee morning of 2024, hosted as always by Sophie Holloman, Key Relationship Manager at Legal & General Mortgage Club. Sophie will be joined by Max Sheppard, Group Economist at Yorkshire Building Society. 

Max will look at what happened across 2023 from an economic perspective and how past events could shape the 2024 market. Max and Sophie will discuss the impact of inflation, fluctuating mortgage rates, product availability and the effect that current market conditions are having upon affordability. Max will also explain how different types of lenders are funded and how that affects pricing. This session will provide advisers with an interesting early insight into where the market could be heading in 2024, and Max will provide his economic commentary in an easy to digest fashion.

An Economist View of the 2024 Mortgage Landscape

mortgage

economy

mortgage adviser

affordability

financial adviser

mortgage market

Inflation

mortgage rates

mortgage lenders

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UK Financial Advisers

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Audit and Compliance

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An Economist View of the 2024 Mortgage Landscape

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