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Mortgage Insider

Mortgage Insider

Barclays 79 episodes Oct 27, 2026

The Mortgage Insider podcast, brought to you by Barclays, explores the increasingly complex role of mortgage brokers and the ever-changing housing market. Hosted by property expert Phil Spencer, it features industry guests from economics, financial services, and housing. The show goes beyond headlines to explain how mortgage rates are set, offers insider perspectives on housing, and discusses topics such as buy-to-let and planning for worst-case scenarios. It aims to help listeners navigate the mortgage market with in-depth insights.

Episodes

How can brokers build relationships in the high-net-worth market?
How can brokers build relationships in the high-net-worth market? Oct 27, 2026 27:30 The profile of high net worth individuals is changing, with younger entrepreneurs, growing international interest and shifting attitudes towards mortgage finance. So, what does this mean for mortgage brokers looking to work with high net worth clients, and where can specialist advice add real value? In this episode of Barclays Mortgage Insider podcast, host Phil Spencer is joined by Camilla Dell,
What does the Renters’ Rights Act mean for the buy-to-let market?
What does the Renters’ Rights Act mean for the buy-to-let market? Oct 6, 2026 29:36 The UK rental market has undergone significant change following the introduction of the Renters Rights Act 2025, with new rules around tenancies, the end of Section 21, rent increases, tenant selection and how landlords can regain possession of a property. But what do these reforms mean in practice for landlords and renters, and what should mortgage brokers be aware of when advising their buy-to-l
How can brokers make the most of the remortgage opportunity?
How can brokers make the most of the remortgage opportunity? Sep 15, 2026 25:05 Around 1.8 million fixed rate mortgages are expected to mature over the course of 2026, underlining the scale of the UK remortgage market. And with many borrowers potentially facing higher monthly payments, understanding the options available at maturity is increasingly important for a range of homeowners. In the latest episode of the Barclays Mortgage Insider Podcast, host and property expert Phi
How essential is the ‘Bank of Mum and Dad’ for first-time buyers?
How essential is the ‘Bank of Mum and Dad’ for first-time buyers? Jul 28, 2026 19:27 The UK housing affordability crisis continues to reshape the path to homeownership, with more young adults relying on family support than ever before. Host Phil Spencer is joined by Hannah Aldridge, Senior Research and Policy Analyst at the Resolution Foundation, and James Tatch, Principal and Head of Analytics at UK Finance. Together, they explore the growing role of the ‘Bank of Mum a
How is AI transforming the home buying journey?
How is AI transforming the home buying journey? Jun 30, 2026 25:46 AI is playing an increasingly important role in the mortgage and home buying journey; shaping how consumers, brokers and the wider industry engage with technology, where trust sits, and what comes next. Host Phil Spencer is joined by Dr. Carol McNaughton Nicholls, Managing Partner at Thinks Insight & Strategy and expert on human behaviour and financial decision making, and Chris Williams, Foun
What is making the Scottish housing market so different to England right now?
What is making the Scottish housing market so different to England right now? May 26, 2026 23:12 The Scotland housing market 2026 continues to stand apart and for any mortgage broker Scotland-based, understanding the Scottish property market is key. In this episode of Mortgage Insider, host Phil Spencer is joined by Colleen Badcock (Rightmove, Head of Partner Marketing and Property Expert) and Lynne Peterkin (First Mortgage, Managing Director, Scotland) to explore what it really takes to buy
Can new build housing meet demand in 2026?
Can new build housing meet demand in 2026? May 5, 2026 27:01 The 2026 housing market is shaping up to be a story of returning demand set against a continuing housing supply crisis, with new build homes at the centre of the challenge. In this episode of Mortgage Insider, host and property expert Phil Spencer is joined by Neil Jefferson, Chief Executive of the Home Builders Federation, and Craig Hall, Director of Strategic Partnerships at LSL Financial Servic
What does the UK economy mean for mortgage rates right now?
What does the UK economy mean for mortgage rates right now? Apr 14, 2026 17:59 There has been no shortage of change in the UK economy, and mortgage brokers are having to help potential and existing homeowners interpret fast-moving headlines, swap rate turbulence and the potential direction of Bank of England interest rates.  In this episode of Mortgage Insider, Phil Spencer is joined by Julian Lafarge, Chief Market Strategist at Barclays Private Bank, and Davi
Should every first time buyer be treated as vulnerable?
Should every first time buyer be treated as vulnerable? Mar 17, 2026 28:08 For many first-time buyers, the home buying process can feel confusing, full of jargon and hard to follow. And with affordability concerns and rate changes still shaping the UK housing market, securing a first-time buyer mortgage can feel more daunting than ever for all too many. In this episode of Mortgage Insider, Phil Spencer is joined by Louise Baxter MBE, co-CEO of Consumer Friend, and Kate F
How can we speed up the house buying process?
How can we speed up the house buying process? Feb 26, 2026 22:56 The home buying process remains slow and uncertain for all too many. On average, it now takes around 120 days to complete a property purchase in the UK, a sharp rise since 2007, and around one in three deals still falls through. The cost of failed property transactions runs into billions each year and creates stress for buyers, sellers and mortgage intermediaries alike. In this episode of the Mort
Mortgage Insider returns for 2026
Mortgage Insider returns for 2026 Feb 23, 2026 0:56 Welcome to the award-winning Mortgage Insider - back for 2026. Property expert and TV presenter Phil Spencer MBE will once again guide you through the trials and tribulations of the housing world.See omnystudio.com/listener for privacy information.
Regulation, AI and uncertainty – the issues brokers can’t ignore
Regulation, AI and uncertainty – the issues brokers can’t ignore Dec 9, 2025 21:37 For mortgage intermediaries, few periods have felt as complex or fast-moving as they are today. Keeping track of regulations, understanding the impact of AI, and managing rising client uncertainty in the current political climate are among the biggest challenges shaping the advice process. In this episode of the Barclays Mortgage Insider podcast, host and property expert Phil Spencer is joined by

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