Thought leadership on mortgages, financial services, technology, and leadership.
There is a document sitting on the FCA’s website, published this week, that could reshape how every mortgage in the UK is originated over the next five years....
Every team has one. The person who notices that two departments are building towards completely different outcomes and quietly sorts it out before anyone else even realises there’s...
Two per cent. That’s how much the average UK business spends on AI as a proportion of revenue, according to a new study from PwC. The global leaders,...
There’s an article doing the rounds called “The Intelligence Curse” by Luke Drago. It’s been widely shared, hotly debated, and if you work in any industry where relationships...
John Lewis has quietly written off £22 million on its failed build-to-rent venture. The scheme, launched in 2020 with ambitions to build 10,000 rental homes, was scrapped in...
The most striking detail from last week’s Anthropic announcement isn’t that their new model, Claude Mythos Preview, found a 27-year-old security vulnerability in a major operating system. It...
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...
