Join Riz Malik, Lewis Shaw and Jamie Lennox in the latest episode of the broker collective.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode following Liberation Day we are joined by Chris Nairn, Technical Director from New Leaf Distribution.

Join our budget special episode where we discuss Rachel Reeve's first budget and the implications for the property & mortgage.

In this episode Riz, Lewis and Jamie talk about the topical issues in the UK mortgage market.

Episode 18: Bank of England Rate Decision, Market Predictions & Mortgage Trends - Broker Collective Podcast

In Episode 18 of the Broker Collective Podcast, hosted by Riz Malik with co-hosts Lewis'Trawleman' Shaw and Jamie 'Dimora' Lennox, the team dives deep into the latest Bank of England base rate decision holding at 5%, and its implications for brokers and the UK property market. They discuss HSBC's forecasting on potential rate cuts and how it might affect both high and low-end market segments. Insights from personal experiences in the mortgage business are shared, including the impact of automation in client communication. The episode ends with advice for business growth and maintaining work-life balance.

00:00 Introduction and Welcome

00:40 Bank of England Base Rate Decision

02:31 Market Predictions and Property Prices

05:51 Impact on Mortgage Pricing

08:08 Current Market Activity

12:04 Upcoming Budget and Economic Concerns

18:04 Challenges with Mortgage Rate Changes

26:48 Office Keyboard Talk

27:29 Challenges in the Mortgage Market

28:52 Interesting Facts About Norwich

29:51 Sponsorship and Inflation Discussion

30:16 Growing Your Business

33:13 Recruitment Experiences

38:32 Technology Corner: Automated Text Updates

42:37 The Importance of Communication

45:46 Psychology Corner: Be Present

47:00 Conclusion and Farewell

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Episode 17 | Mortgage Market Updates and First Time Buyer Boost | Broker Collective Podcast

Welcome to episode 17 of the Broker Collective Podcast, the UK's #1 mortgage podcast for mortgage professionals, by mortgage professionals (probably). Join hosts RIz Malik, Lewis 'Trawlerman' Shaw and Jamie 'Dimora' Lennox as they discuss the latest news and trends in the mortgage market on this lovely last Friday in August. In this episode, they cover:

- Halifax Building Society's new home ownership boost for first-time buyers

- The potential impact of the new Halifax scheme on the housing market

- The importance of first-time buyers in stimulating the housing chain

- The UK mortgage market's stability and the potential economic threats that may destabilize it - Predictions for the upcoming Bank of England base rate decision

- The significance of effective communication for protection products

- Strategies for revisiting clients to discuss protection needs

Don't miss this in-depth conversation that combines expert insights with a touch of humour. Stay tuned for our new segment, 'Protection Corner,' where we discuss ways to better communicate the advantages of covering potential shortfalls with clients. Thanks for listening, and see you next time!

00:00 Introduction and Greetings

02:34 Mortgage Market Updates

03:04 First-Time Buyer Boost

04:52 Economic Implications and Reactions

09:58 Autumn Statement Speculations

22:24 Financial Planning and Debt Management

27:27 Financial Education and Consumer Behavior

32:15 Upcoming Bank of England Decision

33:16 Economic Predictions and Rate Cuts

34:31 Introducing Protection Corner

35:24 Opening the Protection Dialogue

37:54 Budget Planning for Protection

39:21 Behavioral Psychology in Protection Sales

41:15 Follow-Up Strategies for Client Protection

53:24 Leveraging Social Media for Client Insights

55:48 Weekend Plans and Podcast Ideas

58:43 Concluding Remarks and Farewell

Join us for Episode 16 of The Broker Collective podcast! In this episode, we catch up with Jamie Dimora Lennox after his Italian vacation, discuss market trends, and delve into the evolving role of brokers. We debate the potential impact of AI on the financial services industry and explore the latest tech tools for brokers. Plus, a light-hearted finish with some fun Taylor Swift moments. Don't miss out on the insightful discussions and the banter among the dream team!

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Episode 15: Celebrating Success and Expert Marketing Insights with Ash Borland

In Episode 15 of the Broker Collective, the team celebrates a significant milestone with the Bank of England base rate cut. Special guest Ash Borland joins the conversation to share invaluable marketing insights and tips for mortgage brokers. The discussion spans from building an effective social media presence to targeting niches and leveraging behavioural economics. The episode is packed with useful advice for new and seasoned brokers alike. Tune in to hear Ash's perspective and gain practical strategies for enhancing your business.

00:00 Welcome to Episode 15

00:19 Special Guest Announcement

01:11 Weather and Market Updates

02:11 Bank of England Rate Cut

04:37 Interest Rate Predictions

09:47 Impact on Mortgage Market

16:48 Introducing Ash Borland

19:23 Ash Borland's Journey

25:22 The Power of Personal Branding

33:50 Building a Brand by Being the Anti-Hero

35:10 Finding Your Niche in a Noisy Market

38:40 The Importance of Local Focus

39:23 Understanding Demographics and Psychographics

44:56 Creating Effective Content and Courses

54:20 Challenges and Strategies for Experienced Brokers

59:27 Surviving and Thriving in a Volatile Market

01:02:43 Conclusion and Contact Information

In this week’s episode of The Broker Collective Podcast, we are thrilled to welcome Daniel Hobbs from New Leaf Distribution. Join us as Daniel shares his expert insights on the journey mortgage brokers can take to transition into the role of independent financial advisers. Discover the key steps, challenges, and opportunities involved in this career evolution. Whether you're considering the shift or simply curious about the financial advising landscape, this episode is packed with valuable information and practical advice. Don’t miss out on this engaging conversation with one of the industry's leading voices. Tune in now!

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Special guest Graham Taylor from Hudson Rose

In this episode, Riz Malik (R3 Mortgages & R3 Wealth), Lewis Shaw (Shaw Financial Services) and Jamie Lennox (Dimora Mortgages) discuss:-

Market and the base rate decision

Build to Rent

& are joined by Arjan Verbeek to discuss Perenna's mortgage offering and the market.

In this week's episode we discuss the markets, Labour's Freedom to buy election pledge, protection and much more.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, Riz, Lewis and Jamie discuss Santander's change in affordability, stress testing and much more.

In this episode, we are joined by fellow broker and friend Katy Eatenton.

We discuss:-

• How we are feeling
• The snap election
• The market
• Why people should use a broker
• Technology Corner ...and much more

In this episode, we are joined by special guest Charlie Lamdin. We discuss the market, conditional selling, house prices and top tips when making an offer.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, Riz Malik, Jamie Lennox and Lewis Shaw discuss:-

The market and the economy

Ben Bernanke's Report

Technology Corner

Growing your business

On this week's episode, Riz Malik, Jamie Lennox and Lewis Shaw are joined by special guest Darryl Dhoffer the Mortgage Geezer. We discuss the market, the £5K deposit mortgage, protection, technology, and business growth. Lewis also shares with us one of the greatest days of his life, meeting Gary Stevenson.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode we cover the Budget, market changes, book review and technology corner.

In this episode, The Broker Collective discuss the 24-hour notice period for product withdrawal, budget and 99% mortgages, running a business and much more.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, we discuss:-

Lenders, the economy, social media and conditional selling.

Welcome to episode 3 of the Broker Collective podcast.

This no award-winning podcast is brought to you by Riz Malik, Lewis Shaw and Jamie Dimora.

In this episode, we discuss:-

• The start of the year
• Budget
• Election
• Lenders

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, we discuss:-

• Market data
• Lender product withdrawals
• Where are some lenders?
• Conditional selling
• Budget/election

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

This is the first episode of TBC Podcast which is for brokers by brokers in the UK.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, Riz Malik and Lewis Shaw discuss the mortgage market. Jamie Lennox was away in London and was sorely missed.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this special edition of the podcast, we discuss the breaking news that the government is considering 99% mortgages to help first-time buyers onto the property ladder. Riz and Lewis discuss this in more detail

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, Riz Malik, Jamie Lennox and Lewis Shaw discuss the latest movements in the UK mortgage market.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this special Valentine’s Day edition of The Broker Collective Podcast, hosts Lewis Shaw, Riz Malik, and Jamie Lennox bring their usual mix of insight and banter to the mortgage industry’s latest developments.

They discuss the Bank of England’s recent rate changes, the rise of first-time buyers in 2024, and the potential economic challenges ahead. Plus, Riz shares his controversial approach to last-minute Valentine’s Day shopping!

The team is also joined by James Tucker, CEO of Twenty7Tec Group, to delve into the evolution of mortgage sourcing technology, AI’s role in the industry, and why lenders still rely on manual processes in 2025. James offers exclusive insights into how brokers can streamline their workflows, boost efficiency, and prepare for the future of mortgage tech.

Closing the episode, Jamie takes over Technology Corner to explore marketing automation tools that could revolutionise how brokers nurture leads and retain clients.

Tune in for expert analysis, industry-leading insights, and a few laughs along the way!

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Join Riz Malik, Lewis Shaw and Jamie Lennox for the latest episode of The Broker Collective.

In this episode, Riz ' Cemap Economist' Malik, Lewis Shaw and Jamie Lennox are joined by Matt McCullough, Head of Sales & Development at Aldermore.

In this festive finale for 2024, Riz 'Money' Malik, Lewis 'Trawlerman'Shaw, and Jamie 'Dimora' Lennox bring us the Christmas Special of The Broker Collective. Reflecting on a tumultuous year for the mortgage and property industry, they share candid insights, lessons learned, and their aspirations for 2025.

The conversation spans a range of topics, including the challenges of running a business in an evolving market, the potential trajectory of mortgage rates, and the ongoing struggles faced by landlords and first-time buyers. The hosts also delve into how technology, particularly AI, could transform the financial advice landscape while balancing the need for a personal touch in client service.

Personal reflections feature prominently, with discussions about the importance of valuing time, family, and health and setting boundaries to ensure long-term sustainability. The trio keeps things light-hearted with humour, camaraderie, and a few offbeat remarks, ensuring the episode remains engaging.

Closing the year on a reflective and hopeful note, the team wishes their listeners a joyous holiday season and shares their excitement for the opportunities and challenges that 2025 may bring.

Key Highlights:

• Predictions for mortgage rates and market trends in 2025.
• The role of AI in enhancing client service while maintaining a human touch.
• Lessons learned in 2024, including staff recruitment, business planning, and prioritising health and family.
• Reflections on navigating a volatile year in the property and finance sector.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, the team discuss the post-budget mortgage market, Rachel's CV and 2025 planning.

In this episode of the TBC Podcast, Lewis and Jamie are joined by Scott Aitken from Aitken Financial Services. Scott has big shoes to fill, but we talk all things mortgage related.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In Episode 39 of The Broker Collective, Riz Malik, Jamie Lennox, and Lewis Shaw tackle the state of the UK mortgage and property market as summer kicks off. They discuss July’s unexpectedly strong performance, feelings of burnout in the broker community, and growing concerns over affordability and inflated house prices.

With base rate cuts looming, the trio examine the impact of swap rates, lender competition, and the rise of high LTI mortgages, drawing parallels, perhaps cautiously, with 2008. The conversation also highlights potential policy shifts encouraging landlords to sell to tenants, capital gains tax implications, and the increasing relevance of limited company buy-to-let lending.

Later, they’re joined by Jeremy Duncombe, Managing Director of Accord Mortgages, who sheds light on support for first-time buyers, LTI innovation, the rationale behind Accord’s £5K deposit mortgage, and how technology and common-sense lending criteria continue to shape the market. Jeremy also shares insights into the role of AI in advice and his outlook on interest rates and buy-to-let trends.

Key Talking Points:

• Broker fatigue and summer deal flow
• Fed hold & Bank of England base rate expectations
• Lender competition: Rate cuts vs. criteria shifts
• High LTI lending – prudent policy or risky deja vu?
• Buy-to-let market evolution and landlord exits
• Interview with Accord MD Jeremy Duncombe on affordability, innovation, and AI

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

The trio are back after the Panorama episode on conditional selling

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, the trawlerman is away, and Justin Moy steps in.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode, Jamie is on his holidays, so Lewis and Riz are joined by Bob Singh, the mortgage maharaja and TikTok sensation.

We discuss AI in the latest episode of the Uk's No 1 mortgage podcast

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Join us for this 100% mortgage special with Mark Eaton, COO of April Mortgages. We also discuss social media marketing.

In Episode 31 of the Broker Collective Podcast, hosts Lewis Shaw, Riz Malik, and Jamie Lennox discuss recent developments in the financial and mortgage sectors. Key topics include the latest Bank of England base rate cut by 25 basis points, the FCA's new consultation on mortgage rules potentially reducing the role of advisors, and the prospects of 100% mortgages. The hosts also delve into the impact of down valuations in the market and technological innovations like Adobe AI and CRM advancements. Additionally, the team gives a shout-out to Skipton Building Society for their innovative 'Delayed Start Mortgage.' They conclude with a call to listeners for guest recommendations for future episodes and tease potential high-profile guests.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In this episode the band is back together and discusses the latest moves in the mortgage market.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

This week, Riz Malik, Lewis Shaw and Jamie Lennox go down the A.I rabbit hole.

Riz Malik, Lewis Shaw and Jamie Lennox talk content and social media on the latest episode.

In this episode, we are joined by Gary Waters, the protection guru.

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.

By the end, even Riz admits compliance might not be the enemy after all.

This episode’s a reminder that: • Brokers have more power and responsibility than ever to educate clients • Financial literacy across the UK is still painfully low • And if we don’t keep the bar high, the FCA or the finfluencers will do it for us

So whether you’re a broker, adviser, or just love hearing three grown men argue about inflation, house prices, and TikTok disclaimers, you’ll want to tune in.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In the final episode of this year, Riz Malik (leader), Lewis Shaw and Jamie Lennox review 2025 and discuss their outlook for 2026: Merry Christmas and a Happy New Year.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Lewis Shaw, Riz Malik and Jamie Lennox discuss the recent budget and other things.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Lewis, Jamie and Riz (dialling in “Mister Worldwide” style from the UAE) unpack a lively October: slow start, strong finish, and why December sits on a knife-edge for property demand. They debate “complete now or wait for the Budget,” stamp duty vs a mooted annual property tax, falling swaps, and whether a base-rate cut lands in November or December.

On the business side, Lewis shares what’s working in organic social (Calendly flows, Linktree, DMs, and why followers matter less than watch-time), plus honest chat about burnout, boundaries over Christmas, and automations to hit January running.

Special guest Sam Lappin (Sesame) lifts the lid on AR vs DA routes, why many firms are switching networks, the underrated power of delegation, and the industry’s “new blood” problem. The crew close with 2026 prep: know your numbers, build a real community (not an echo chamber), and stay agile—because policy and sentiment could flip fast.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In Episode 41 of The Broker Collective, Riz Malik, Jamie Lennox, and Lewis Shaw dive straight into the political and economic storm clouds forming over the mortgage market.

Fresh from holiday, Riz shares his thoughts on Rachel Reeves’ looming budget, landlord tax rumours, and the possibility of National Insurance being charged on rental income. The trio debate whether these moves are designed to push landlords into selling to tenants, or part of a bigger shift towards institutional ownership of UK housing.

With tinfoil hats firmly in place, they explore parallels with the World Economic Forum’s “you will own nothing” narrative, Gary Stevenson’s prediction of house prices doubling, and the uncomfortable reality of a housing supply crisis that shows no sign of being fixed.

The conversation turns practical as they discuss how brokers can prepare clients for portfolio restructuring, CGT risks, and the opportunities for tenants if a landlord sell-off accelerates. They also stress the importance of financial education, partnerships with IFAs, and using social media to educate rather than sell.

Later, the hosts welcome Jamie Lawless, CEO of Lendwell, to discuss their new AI-driven CRM platform set to launch in the UK. Jamie explains how poor-quality data inspired the project, why legacy systems are holding brokers back, and how AI can drastically cut processing time, improve client experience, and transform conveyancing.

The episode closes with hot topics on down-valuations, slow commission payments, and why consistency is the key to success—whether on social media or in podcasting.

Key Talking Points:

• Rachel Reeves’ budget leaks and landlord tax speculation
• Are we heading towards corporate control of UK housing?
• Asset prices, WEF narratives, and supply failures
• Why brokers should educate tenants and partner with IFAs
• Social media growth: 700k views in 30 days
• Interview with Lendwell CEO Jamie Lawless on AI, CRMs, and the future of mortgage tech
• Down valuations, procs delays, and broker frustrations