MORTGAGE STRATEGY
LEADERS FORUM
Wednesday, 17 October 2018
#MSLeadersForum
Welcome to the Mortgage Strategy Leaders Forum
The 2018 Leaders Forum, in partnership with Barclays, will take place on Wednesday, 17 October in London. Aimed at senior mortgage professionals, the Leaders Forum attracts the key players working in and with the intermediary market to discuss the main strategic issues in the sector and explore the direction the market is heading.
With formats ranging from thought leadership presentations to focused workshop discussions, the agenda offers plenty of opportunity to be further educated on key issues and to network with your peers.
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“Mortgage Strategy provide informative events, helping industry professionals shape the way the market develops and at the same time gain knowledge of developments in the market”
Dean Vellender, Director at EasyLife Alliance
Dean Vellender, Director at EasyLife Alliance -
“A great event with senior personnel from all areas of the mortgage industry and fantastic thought provoking panel debates.”
Dale Jannels, Managing Director at AToM
Dale Jannels, Managing Director at AToM -
“A worthwhile day where you can hear from thought leaders in an open atmosphere.”
John Coffield, Head of Paradigm Mortgage Services
John Coffield, Head of Paradigm Mortgage Services -
“Another excellent and rewarding event with good discussions around some meaty topics”
Andrew Montlake, Director at Coreco
Andrew Montlake, Director at Coreco
SPEAKERS
Gary Adams
Deputy Editor
Mortgage Strategy
Gary Adams
Deputy Editor
Mortgage Strategy
Sessions
Panel discussion - What’s behind the transformation of the equity release market?
Panel discussion - What’s behind the transformation of the equity release market?
18 October at 16:20 - 17:00 |
The equity release market has gone through a complete transformation in recent years, managing to greatly improve its reputation and growing from £1bn a year to £1bn a quarter. But are there limits to the pace of growth and are there enough advisers in the space to facilitate further growth?
- What is behind the sector's considerable growth?
- Has equity release managed to fully shake off the former stigma surrounding it?
- What is putting advisers off entering the area?
- Are interest rates too high?
- Is there enough understanding among the public to differentiate different types of later life lending?
- Could more providers enter the market in the coming years?
- What improvements could be made to products available?
Peter Borley
Director of Propositions – Retirement Lending
Just Group PLC
Peter Borley
Director of Propositions – Retirement Lending
Just Group PLC
Peter has been the Director of Customer Propositions - Retirement Lending for Just since April 2015. In this role he leads product management/development and strategic development of the retirement lending business. He has been with the Just Group for almost eight years and prior to this he was the Director of Group Strategy. Peter has worked in financial services for over 30 years at the Just Group, Skandia (part of Old Mutual plc) and Barclays plc across a range of segments including both retail and corporate banking, investments and wealth management.
Sessions
Panel discussion - What’s behind the transformation of the equity release market?
Panel discussion - What’s behind the transformation of the equity release market?
18 October at 16:20 - 17:00 |
The equity release market has gone through a complete transformation in recent years, managing to greatly improve its reputation and growing from £1bn a year to £1bn a quarter. But are there limits to the pace of growth and are there enough advisers in the space to facilitate further growth?
- What is behind the sector's considerable growth?
- Has equity release managed to fully shake off the former stigma surrounding it?
- What is putting advisers off entering the area?
- Are interest rates too high?
- Is there enough understanding among the public to differentiate different types of later life lending?
- Could more providers enter the market in the coming years?
- What improvements could be made to products available?
Craig Calder
Head of Intermediaries
Barclays
Craig Calder
Head of Intermediaries
Barclays
Craig Calder was appointed Head of Barclays Intermediaries in July 2017; bringing over 20 years of experience from within the mortgage market.
Craig is responsible for improving the Barclays Intermediary Proposition across the UK whilst building and cementing new relationships in the market. His core strength is his innate ability to understand both a business and a market challenge and then turn them into easily understood, workable and recognised strategies which delivers results. Coupled with Craig’s strong stakeholder management and leadership skills these strategies are well executed at all levels.
In his previous role Craig managed the product portfolio and associated income. During his time at the helm, the
product team delivered a range of products that consistently won consumer and industry awards, including Offset and Lifetime Trackers and most recently Barclays Family Springboard.
Craig is and has always been extremely passionate about intermediaries, and he is dedicated to pulling on his vast experience to bring about positive change in an ever demanding and challenging market.
Sessions
Headline Sponsor presentation: Barclays
Headline Sponsor presentation: Barclays
18 October at 09:20 - 09:40 |
Panel discussion - Post-Brexit potential impacts on the mortgage market?
Panel discussion - Post-Brexit potential impacts on the mortgage market?
18 October at 09:40 - 10:20 |
- Will Brexit have an effect on house prices?
- Is there potential for areas outside of London to become bigger hubs for buyers?
- What will the post-Brexit regulatory landscape look like? Was compliance with EU laws all in vain?
Rebekah Commane
Editor
Mortgage Strategy
Rebekah Commane
Editor
Mortgage Strategy
Rebekah Commane joined as Editor of Mortgage Strategy in September 2016 and oversees all editorial content in the magazine and online. Prior to this Rebekah worked as a freelance journalist, and helped to launch the website Specialist Lending Solutions. She is also the former Deputy Editor of What Mortgage and Mortgage Finance Gazette.
Sessions
Panel discussion – Buy-to-let: What does the future hold?
Panel discussion – Buy-to-let: What does the future hold?
18 October at 13:55 - 14:35 |
It has been 2.5 years since the 3% stamp duty hike for private landlords hit the market, followed by cuts to mortgage interest tax relief, the requirement for lenders to adapt their underwriting standards under PRA rules and changes to licensing for houses of multiple occupation. The sector has been through a difficult few years but what does the future hold?
- Which change over recent years has had the biggest impact on the market?
- Are reports of landlords selling up in their droves accurate or overstated?
- Is it now regarded as a more specialist market, given the additional advice and criteria required?
- When mortgage interest tax relief is completed removed in 2020, will it have further negative impacts on the market or have we seen the worst effects?
- Is borrowing through a limited company set to become increasingly popular?
- What should lenders and brokers be doing to ensure the market remains viable into the future?
Panel discussion – Mainstream products: Fit for the consumer?
Panel discussion – Mainstream products: Fit for the consumer?
18 October at 14:55 - 15:35 |
- Will buyers with complex requirements have access to more mainstream product groups?
- Are other specialist areas benefiting from the effects of BTL changes?
- Will we see an upturn in the number of self-employed products to meet market demand
Kate Davies
Executive Director
IMLA - The Intermediary Mortgage Lenders Association
Kate Davies
Executive Director
IMLA - The Intermediary Mortgage Lenders Association
Kate succeeded Peter Williams as IMLA’s Executive Director in January 2018. She has spent 27-years working with various financial services trade associations, principally the Building Societies Association and Council of Mortgage Lenders. She has also served as a Non-Executive Director with Darlington Building Society and currently chairs the Property Codes Compliance Board.
Sessions
Panel discussion - Post-Brexit potential impacts on the mortgage market?
Panel discussion - Post-Brexit potential impacts on the mortgage market?
18 October at 09:40 - 10:20 |
- Will Brexit have an effect on house prices?
- Is there potential for areas outside of London to become bigger hubs for buyers?
- What will the post-Brexit regulatory landscape look like? Was compliance with EU laws all in vain?
Esther Dijkstra
Director of Strategic Partnerships
Lloyds Banking Group
Esther Dijkstra
Director of Strategic Partnerships
Lloyds Banking Group
Ms. Dijkstra has been Director of Strategic Partnerships at Lloyds Banking Group plc since December 1, 2015. She is an instrumental in the launch of 'Scottish Widows Protect' into the intermediary market. She began her career in management consultancy with IBM in the Netherlands and moved to the UK in 2000. She served for Legal & General, where she served as Commercial and Marketing Director of the L&G Network and UK Mortgage Club.
Sessions
Panel discussion – Mainstream products: Fit for the consumer?
Panel discussion – Mainstream products: Fit for the consumer?
18 October at 14:55 - 15:35 |
- Will buyers with complex requirements have access to more mainstream product groups?
- Are other specialist areas benefiting from the effects of BTL changes?
- Will we see an upturn in the number of self-employed products to meet market demand
Tony Hall
Sales & Marketing Director, Mortgages
Secure Trust Bank
Tony Hall
Sales & Marketing Director, Mortgages
Secure Trust Bank
Tony Hall is Sales & Marketing Director at Secure Trust Bank Mortgages and is responsible for sales and distribution, product design and marketing strategy. Tony joined Secure Trust Bank from the West Brom, where he was Head of Distribution and responsible for all sales channels. In a financial services career spanning over 30 years he has a wealth of experience having worked for a number of banks and building societies including One Savings Bank, Skipton, Barclays and HSBC.
Sessions
WORKSHOP 2 - The gig economy and mortgages for millennials
WORKSHOP 2 - The gig economy and mortgages for millennials
18 October at 12:05 - 12:35 |
- Key stats on the gig economy and millennial attitudes to working.
- How ‘income’ is evolving.
- The challenges this presents to lenders.
- How brokers can help cases to succeed.
WORKSHOP 2 - The gig economy and mortgages for millennials
WORKSHOP 2 - The gig economy and mortgages for millennials
18 October at 11:30 - 12:00 |
- Key stats on the gig economy and millennial attitudes to working.
- How ‘income’ is evolving.
- The challenges this presents to lenders.
- How brokers can help cases to succeed.
Maria Harris
Director of Intermediary Lending
Digital Mortgages by Atom bank
Maria Harris
Director of Intermediary Lending
Digital Mortgages by Atom bank
Director of Intermediary Lending at Atom bank, Maria’s has created a new intermediary lender that's in tune with what people really need to buy their dream home or secure a much-needed business loan. Responsible for Residential Mortgages and Business Banking Secured Lending, Maria has built a proposition from the ground up to engage and attract customers to a lending journey designed solely for digital.
With over 20 years’ experience in management, Maria has held roles across a number of sectors including travel, utilities and financial services.
Before moving to Atom bank, Maria was Sales Director at Engage Mutual, responsible for leading the sales teams through a merger to become One Family. Prior to that, she held senior roles in the intermediary sector as Head of Intermediary for Bank of Scotland/Intelligent Finance, Head of National Accounts with Lloyds Banking Group then helping Leeds Building Society through MMR.
She is passionate about transforming our industry to improve the customer experience and supporting the need for affordable, good quality housing.
Sessions
Robo: Advice or not advice? That is the question…
Robo: Advice or not advice? That is the question…
18 October at 17:00 - 17:20 |
- How has the field of robo-advice developed over the last few years?
- Should traditional brokers adopt more robo-elements?
- Can robo-advice really be classed as ‘advice’?
Peter Izard
Business Development Manager
Investec Private Bank
Peter Izard
Business Development Manager
Investec Private Bank
Peter has over 25 years experience in financial services and the mortgage intermediary market. Before joining Investec Private Bank in January 2015, Peter has held a number of senior positions at HBOS, GMAC-RFC, start-up lender Portillion, Saffron Building Society and Harrods Bank.
Peter is responsible for building the profile and lending volumes of Investec Private Bank high net worth mortgage offering within the intermediary market. He is regularly quoted in the mortgage trade and national press and writes numerous blogs and articles for the broker community. He also undertakes presentations and seminars to large audiences on the high net worth mortgage market.
Sessions
Panel discussion - Post-Brexit potential impacts on the mortgage market?
Panel discussion - Post-Brexit potential impacts on the mortgage market?
18 October at 09:40 - 10:20 |
- Will Brexit have an effect on house prices?
- Is there potential for areas outside of London to become bigger hubs for buyers?
- What will the post-Brexit regulatory landscape look like? Was compliance with EU laws all in vain?
Rob Jupp
Chief Executive Officer
Brightstar Financial Ltd.
Rob Jupp
Chief Executive Officer
Brightstar Financial Ltd.
Rob is CEO of the multi-award-winning specialist distributor, Brightstar, which since launch has originated over £2 Billion of specialist property debt and won over 40 national industry awards including the 2016 ‘Gold Employer of the Year’ in the Global IiP Awards. Rob innovated the concept of stand along specialist teams in the distinct product areas of residential mortgages, BTL, second charges, bridging, commercial and development finance. Rob is a key voice within the sector and as such provides support to the FCA through ongoing discussions on current and future market issues.
Rob is a four times BMA winner and was voted Mortgage Personality of the Year at the Mortgage Strategy Awards in 2012.
Sessions
Panel discussion – Buy-to-let: What does the future hold?
Panel discussion – Buy-to-let: What does the future hold?
18 October at 13:55 - 14:35 |
It has been 2.5 years since the 3% stamp duty hike for private landlords hit the market, followed by cuts to mortgage interest tax relief, the requirement for lenders to adapt their underwriting standards under PRA rules and changes to licensing for houses of multiple occupation. The sector has been through a difficult few years but what does the future hold?
- Which change over recent years has had the biggest impact on the market?
- Are reports of landlords selling up in their droves accurate or overstated?
- Is it now regarded as a more specialist market, given the additional advice and criteria required?
- When mortgage interest tax relief is completed removed in 2020, will it have further negative impacts on the market or have we seen the worst effects?
- Is borrowing through a limited company set to become increasingly popular?
- What should lenders and brokers be doing to ensure the market remains viable into the future?
Sally Laker
Managing Director
Mortgage Intelligence, Mortgage Next, and FYB networks and Next Intelligence Club
Sally Laker
Managing Director
Mortgage Intelligence, Mortgage Next, and FYB networks and Next Intelligence Club
Sally Laker has more than 30 years’ experience in the finance industry and has managed Mortgage Intelligence successfully for 22 years. Growing the business both organically and by acquisition, her strategic vision has built a resilient, high-quality business comprising of 3 mortgage networks and a well-established mortgage club, Next Intelligence.
Sally has also previously served on the AMI board for 5 years before becoming Deputy Chairperson for the Small Business Practitioners Panel for the FCA for 6 years representing the mortgage sector.
Sessions
Opening keynote presentation - The evolving mortgage market
Opening keynote presentation - The evolving mortgage market
18 October at 09:00 - 09:20 |
Dean Mirfin
Chief Product Officer
Key Group
Dean Mirfin
Chief Product Officer
Key Group
Dean was involved from inception over 20 years ago with setting up Key Retirement, now re-branded as Key. Launched in 1998 Key is the leading over 55’s specialist adviser. Key are a retirement specialist and are the UK’s number 1 equity release adviser and now also specialise in wider Retirement Lending advice. Dean is responsible for overseeing much of the technical and advice aspects of the business in his role as Chief Product Officer for the group. Dean regularly appears in the press and on TV and radio as a specialist across the retirement lending sector.
Sessions
Panel discussion - What’s behind the transformation of the equity release market?
Panel discussion - What’s behind the transformation of the equity release market?
18 October at 16:20 - 17:00 |
The equity release market has gone through a complete transformation in recent years, managing to greatly improve its reputation and growing from £1bn a year to £1bn a quarter. But are there limits to the pace of growth and are there enough advisers in the space to facilitate further growth?
- What is behind the sector's considerable growth?
- Has equity release managed to fully shake off the former stigma surrounding it?
- What is putting advisers off entering the area?
- Are interest rates too high?
- Is there enough understanding among the public to differentiate different types of later life lending?
- Could more providers enter the market in the coming years?
- What improvements could be made to products available?
Adrian Moloney
Sales Director
One Savings Bank
Adrian Moloney
Sales Director
One Savings Bank
Since December 2015, Adrian has been Sales Director for OneSavings Bank plc, responsible for sales and distribution within the Kent Reliance, InterBay Commercial and Prestige Finance brands.
Adrian joined OneSavings Bank from Nationwide, where he was a senior member of the Corporate Account team, and was previously involved in the launch of the Nationwide For Intermediaries proposition. Adrian possesses 20 years of industry experience, including time at Mortgage Trust and Portman Building Society, and is a highly respected industry spokesperson and keynote speaker.
Sessions
The changing face of specialist lending
The changing face of specialist lending
18 October at 13:35 - 13:55 |
The mortgage market today looks very different to how it was 10 years ago. This presentation by One Savings Bank explores the changing face of specialist lending, how there is less of a divide between mainstream and specialist, and what it means for the market.
Panel discussion – Buy-to-let: What does the future hold?
Panel discussion – Buy-to-let: What does the future hold?
18 October at 13:55 - 14:35 |
It has been 2.5 years since the 3% stamp duty hike for private landlords hit the market, followed by cuts to mortgage interest tax relief, the requirement for lenders to adapt their underwriting standards under PRA rules and changes to licensing for houses of multiple occupation. The sector has been through a difficult few years but what does the future hold?
- Which change over recent years has had the biggest impact on the market?
- Are reports of landlords selling up in their droves accurate or overstated?
- Is it now regarded as a more specialist market, given the additional advice and criteria required?
- When mortgage interest tax relief is completed removed in 2020, will it have further negative impacts on the market or have we seen the worst effects?
- Is borrowing through a limited company set to become increasingly popular?
- What should lenders and brokers be doing to ensure the market remains viable into the future?
Andrew Montlake
Brand Director
Coreco Group
Andrew Montlake
Brand Director
Coreco Group
In 2009 Andrew was one of the main founders of Coreco where he is the Director responsible for Brand, Marketing and Communications, as well as looking after all lender liaison.
As Coreco’s Media Spokesperson Andrew can often be seen or heard on TV & Radio as well as regularly commenting in the national, local and trade press.
More commonly known as "Monty" he is the author of a highly acclaimed Mortgage Blog, presenter of a monthly podcast and regular industry columnist.
Winner of several industry awards, Andrew is also a proud Board Member of the Association of Mortgage Intermediaries and continues to work at the coal face, writing mortgage business and advising clients.
Sessions
Panel discussion – Mainstream products: Fit for the consumer?
Panel discussion – Mainstream products: Fit for the consumer?
18 October at 14:55 - 15:35 |
- Will buyers with complex requirements have access to more mainstream product groups?
- Are other specialist areas benefiting from the effects of BTL changes?
- Will we see an upturn in the number of self-employed products to meet market demand
Esther Morley
Managing Director, Mortgages
Secure Trust Bank
Esther Morley
Managing Director, Mortgages
Secure Trust Bank
Esther Morley is Managing Director of Secure Trust Bank Mortgages and was responsible for establishing and subsequently growing the mortgage business at the Bank. Esther joined Secure Trust Bank from Kensington Mortgages, where she was Commercial Director, responsible for all aspects of originations and portfolio performance for the Specialist Mortgage business. Having also held roles at Investec, HSBC and HFC, Esther has over 24 years of experience in UK financial services, 12 of which have been served within the mortgage industry.
Sessions
WORKSHOP 2 - The gig economy and mortgages for millennials
WORKSHOP 2 - The gig economy and mortgages for millennials
18 October at 12:05 - 12:35 |
- Key stats on the gig economy and millennial attitudes to working.
- How ‘income’ is evolving.
- The challenges this presents to lenders.
- How brokers can help cases to succeed.
WORKSHOP 2 - The gig economy and mortgages for millennials
WORKSHOP 2 - The gig economy and mortgages for millennials
18 October at 11:30 - 12:00 |
- Key stats on the gig economy and millennial attitudes to working.
- How ‘income’ is evolving.
- The challenges this presents to lenders.
- How brokers can help cases to succeed.
Chris Pearson
Head of Mortgage Intermediaries
HSBC UK for Intermediaries
Chris Pearson
Head of Mortgage Intermediaries
HSBC UK for Intermediaries
Chris joined HSBC in 2014 as Regional Wealth Director, responsible for wealth and mortgage distribution within the branch network. At the same time, he set up the UK distribution team for HSBC Intermediary Mortgages, which now has full UK BDM coverage and a dedicated inbound telephony team with access to 80% of the broker market.
Chris has previously held senior positions in the broker market as Director of RBS Intermediary Partners, Head of Sales and Marketing at BM Solutions and Head of National Accounts & New Build at Halifax Intermediaries.
Sessions
Open banking: The future of money
Open banking: The future of money
18 October at 10:20 - 10:40 |
- Disruption cycle.
- Embracing the change.
- Driving competition and innovation.
- Customer choice and control.
Robert Sinclair
Chief Executive
AMI & AFB
Robert Sinclair
Chief Executive
AMI & AFB
Robert helped establish the Association of Mortgage Intermediaries (AMI) as an independent entity on 1 February 2012. Robert joined the former parent trade body, AIFA, in October 2006, initially looking after the Association of Finance Brokers and since 2008, AMI. He looks after the day-to-day running of AMI and AFB by delivering member information and services, lobbying regulators and policy-makers and developing press relations.
He brings a wealth of industry experience to the trade body having held a number of front line sales roles combined with experience in marketing, training and internal audit in HSBC and Santander.
Robert is also a non-executive director of the Buckinghamshire Building Society.
Sessions
Panel discussion - Post-Brexit potential impacts on the mortgage market?
Panel discussion - Post-Brexit potential impacts on the mortgage market?
18 October at 09:40 - 10:20 |
- Will Brexit have an effect on house prices?
- Is there potential for areas outside of London to become bigger hubs for buyers?
- What will the post-Brexit regulatory landscape look like? Was compliance with EU laws all in vain?
Liz Syms
Chief Executive Officer
Connect for Intermediaries
Liz Syms
Chief Executive Officer
Connect for Intermediaries
Chief Executive Officer and founder of Connect Mortgages and Connect for Intermediaries, Liz has been providing mortgage and financial advice for over 20 years. Liz and her team over of 30 staff specialise in arranging mortgages and in particular, helping landlords to build their portfolios. In 2012 Liz set up the specialist buy-to-let and commercial network that now supports over 100 mortgage brokers and also offers a packaging and referral services catering for the DAs and ARs of other Networks that need help with their specialist cases.
Sessions
Panel discussion – Mainstream products: Fit for the consumer?
Panel discussion – Mainstream products: Fit for the consumer?
18 October at 14:55 - 15:35 |
- Will buyers with complex requirements have access to more mainstream product groups?
- Are other specialist areas benefiting from the effects of BTL changes?
- Will we see an upturn in the number of self-employed products to meet market demand
Damian Thompson
Director of Mortgages
Aldermore
Damian Thompson
Director of Mortgages
Aldermore
Damian has worked in financial services for the last 27 years starting his career with HBOS and then across senior roles in Principality and Newcastle Building Society. At Newcastle he was Customer Director and a member of the Board. He has experience across Retail including Mortgages, Savings, Credit Card and Investments and joined Aldermore in an interim position in November prior to becoming our Director Of Mortgages in August 2018.Damian has worked in financial services for the last 27 years starting his career with HBOS and then across senior roles in Principality and Newcastle Building Society. At Newcastle he was Customer Director and a member of the Board. He has experience across Retail including Mortgages, Savings, Credit Card and Investments and joined Aldermore in an interim position in November prior to becoming our Director Of Mortgages in August 2018.
Sessions
Panel discussion – Buy-to-let: What does the future hold?
Panel discussion – Buy-to-let: What does the future hold?
18 October at 13:55 - 14:35 |
It has been 2.5 years since the 3% stamp duty hike for private landlords hit the market, followed by cuts to mortgage interest tax relief, the requirement for lenders to adapt their underwriting standards under PRA rules and changes to licensing for houses of multiple occupation. The sector has been through a difficult few years but what does the future hold?
- Which change over recent years has had the biggest impact on the market?
- Are reports of landlords selling up in their droves accurate or overstated?
- Is it now regarded as a more specialist market, given the additional advice and criteria required?
- When mortgage interest tax relief is completed removed in 2020, will it have further negative impacts on the market or have we seen the worst effects?
- Is borrowing through a limited company set to become increasingly popular?
- What should lenders and brokers be doing to ensure the market remains viable into the future?
James Tucker
Managing Director
Twenty7Tec
James Tucker
Managing Director
Twenty7Tec
Having worked previously in investment management, and as an analyst for a US/UK based venture capital firm, James Tucker became Managing Director of Twenty7Tec Group in 2015.
Since his appointment, Twenty7Tec has grown exponentially and is now a leading provider of cloud-based technology solutions to the Intermediary and Lending communities in the UK.
The company’s products include MortgageSource, a leading mortgage sourcing system with over 6000 intermediary users, SourceInsight, a data analytics platform used by some of the largest lenders in the UK, and MortgageApply, an application submission module designed to seamlessly and securely connect intermediary and lender systems.
Sessions
Headline Sponsor presentation: Barclays
Headline Sponsor presentation: Barclays
18 October at 09:20 - 09:40 |
David Whittaker
CEO
Keystone Property Finance
David Whittaker
CEO
Keystone Property Finance
A colourful figure within the mortgage industry, David is renowned for telling it like it is. He established Mortgages for Business in 1990 and has grown the company into a successful independent brokerage which regularly wins prominent industry awards.
David’s knowledge and experience of property investment finance is unsurpassed, as such, he is frequently asked to speak to landlords, brokers and lenders about the shape of the market. Journalists are also interested in what he has to say and is often quoted in both the national and trade press.
David is also the CEO of lending brand Keystone Property Finance which offers a variety of different finance options to both residential and commercial landlords backed by funding from Aldermore Bank, Paratus AMC and Together Money.
Sessions
Panel discussion – Buy-to-let: What does the future hold?
Panel discussion – Buy-to-let: What does the future hold?
18 October at 13:55 - 14:35 |
It has been 2.5 years since the 3% stamp duty hike for private landlords hit the market, followed by cuts to mortgage interest tax relief, the requirement for lenders to adapt their underwriting standards under PRA rules and changes to licensing for houses of multiple occupation. The sector has been through a difficult few years but what does the future hold?
- Which change over recent years has had the biggest impact on the market?
- Are reports of landlords selling up in their droves accurate or overstated?
- Is it now regarded as a more specialist market, given the additional advice and criteria required?
- When mortgage interest tax relief is completed removed in 2020, will it have further negative impacts on the market or have we seen the worst effects?
- Is borrowing through a limited company set to become increasingly popular?
- What should lenders and brokers be doing to ensure the market remains viable into the future?
17 OCTOBER 2018
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