This week on The Broker Collective we’re diving into a side of the industry that most brokers love to hate: compliance. But before you yawn, trust us, this one’s not paint by numbers FCA chat.
We kick off as always with the usual TBC chaos. Riz is back from Dubai still declaring himself Mister Worldwide, Jamie’s on a TikTok Live crusade, and Louis is just trying to keep control of the self appointed TBC dictator.
From there, things get spicy as we break down what really happened at the latest Bank of England MPC meeting, the 5–4 “hold” vote that left everyone guessing, why Rachel Reeves’ latest tax hints have landlords sweating, and whether EV owners are about to become the next easy tax target.
Jamie calls time on trying to predict rates saying “I’ve given up caring, they’ll go where they go,” while Riz delivers a mini economics lecture on inflation, bond markets, and why we’re still stuck paying some of the highest energy prices in the world.
Then we get into the real meat of it, the housing market. Are house prices really set to rise 22 percent by 2030, or are we due for a major correction? We debate Savills’ forecast, the six and a half times income mortgage era, and whether a tech bubble style blow off is coming.
Jamie thinks it’s all feeling a bit lofty. Riz argues that supply and demand still rules. Louis wonders if the government’s constant safety nets are just creating moral hazard.
It’s part therapy session, part housing market autopsy.
Then we’re joined by special guest Matt from KMS Consultancy, a compliance specialist who somehow manages to make compliance actually interesting. Matt’s a former FCA insider who’s now helping brokers navigate the real world side of Consumer Duty, social media rules, and protection conversations, all without the jargon.
We talk: 💬 When a live or TikTok counts as a financial promotion ⚖️ How far brokers can sail close to the wind before falling foul of the FCA 📲 Why influencers are now in the regulator’s crosshairs 🏠 And how far you should push protection advice before it turns into a compliance nightmare
Matt drops practical gems throughout, from documenting client declines to writing disclaimers that actually work. He’s also building an AI powered app to help one man bands stay compliant without paying compliance officer money.
