The Broker Collective Podcast

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 speculationAre we heading towards corporate control of UK housing?Asset prices, WEF narratives, and supply failuresWhy brokers should educate tenants and partner with IFAsSocial media growth: 700k views in 30 daysInterview with Lendwell CEO Jamie Lawless on AI, CRMs, and the future of mortgage techDown valuations, procs delays, and broker frustrations

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 flowFed hold & Bank of England base rate expectationsLender competition: Rate cuts vs. criteria shiftsHigh LTI lending – prudent policy or risky deja vu?Buy-to-let market evolution and landlord exitsInterview with Accord MD Jeremy Duncombe on affordability, innovation, and AIFOR 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.

We discuss AI in the latest episode of the Uk's No 1 mortgage podcastFOR 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 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 following Liberation Day we are joined by Chris Nairn, Technical Director from New Leaf Distribution.