Thought leadership on mortgages, financial services, technology, and leadership.
For a rule that has shaped UK mortgage lending since 2014, the loan-to-income flow limit has always been a slightly odd creature. Simple on the surface, a cap...
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....
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...
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...
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...
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...
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...
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...
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...
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,...
Last Thursday, the head of the FCA stood up at the JP Morgan Pensions and Savings Symposium and dropped a line that deserves more attention than it got....
