The Renters’ Rights Act: What Mortgage Advisers and Landlord Clients Need to Know
The Renters’ Rights Act is set to come into force in May, and it represents one of the most significant shifts in the UK rental market in decades. For mortgage advisers and brokers working with landlord clients, understanding these changes is essential. What is changing? The headline change is the abolition of Section 21 — […]
The Doorman Fallacy (And Why You Should Never Let a Spreadsheet Fire Your Best People)
I watched a talk by Rory Sutherland recently that stopped me mid-scroll. If you know Rory, you know he has a way of saying things that sound provocative until you realise they’re just obviously true. This one hit home because it described something I’ve watched happen across the mortgage industry for years, and I suspect […]
UK Bank Capital Rules Are Locking Up Lending Capacity
The Bank of England’s Financial Policy Committee has just confirmed that the UK banking system is resilient. Banks can weather extreme stress. That is good news. Except here is the awkward bit: the very capital rules that prove resilience are now starving the mortgage market of funds. On the same day the FPC published its […]
1.3 Million More Households. One Report. And a Question Nobody’s Asking.
The Bank of England published its Financial Policy Committee Record this morning. If you’ve seen the headlines, you’ll know the number: 1.3 million additional households now facing higher mortgage costs because of the conflict in the Middle East. That’s the number that made the front pages. But the report itself tells a far more interesting […]
The FCA’s AI Moment: What the Mills Review Means for Mortgage Firms
Nobody in UK financial services seriously doubts that AI is changing things. The question that has been hanging in the air for the last couple of years is whether the regulator is keeping pace, or whether it is watching from a comfortable distance and hoping the existing rulebook holds. On 27 January 2026, the FCA […]
Why the Best Teams Are Not the Ones With the Best People
In 2025, a 19-year-old Italian kid called Kimi Antonelli climbed into a Mercedes Formula 1 car and promptly started crashing it. He crashed in practice sessions. He crashed a rare Mercedes-AMG road car. He made mistakes that, in most high-pressure environments, would have earned him a very public dressing down and a ticket back to […]
Culture Is Not a Team-Building Exercise
There is a question that gets asked in boardrooms, management offsites, and leadership programmes all over the country, and it almost always gets the wrong answer. The question is: where does culture come from? The wrong answer, the one you hear most often, is that culture is something you build from the bottom up. That […]
Culture Is Not a Team-Building Exercise
There is a question that gets asked in boardrooms, management offsites, and leadership programmes all over the country, and it almost always gets the wrong answer. The question is: where does culture come from? The wrong answer, the one you hear most often, is that culture is something you build from the bottom up. That […]
Mortgage Market Briefing: Week of 16-22 March 2026
Weekly intelligence for mortgage professionals, compiled by Paul Brett. Lead Story: FCA Chief Signals a New Era for Mortgage and Retirement Advice On 20 March 2026, FCA Chief Executive Nikhil Rathi delivered what is likely to prove one of the most consequential speeches for mortgage professionals in recent years. Speaking at the JP Morgan Pensions […]
What Does a Mortgage Strategy Consultant Actually Do?
Beyond the Job Title: What a Mortgage Strategy Consultant Really Does If you’ve come across the term “mortgage strategy consultant” and wondered what it actually means in practice, you’re not alone. It’s not a role you’ll find on a standard org chart, and it doesn’t come with a neat job description from the FCA handbook. […]