Toughsheet Community Stadium, Manchester

09.50 – 10.20

What does the future hold for the UK’s mortgage market?

In a mortgage market defined by economic pressure and regulatory evolution, the role of the adviser has never been more critical. This session will give advisers a timely perspective on the current state of the industry and what lies ahead, with a particular focus on how they can continue to thrive in a shifting landscape. It will explore the changing regulatory environment, with a focus on innovation and simplification within the mortgage sector and anticipated developments.

David Fenton, chief economist, TSB Bank

10.20 – 11.00

Loosen the reins – the easing of mortgage lending rules and what it means for you

• What are the potential benefits and pitfalls of reducing prescriptive regulatory requirements?
• Innovative lending products and new solutions: the response to changes to lending criteria
• Tools, skills and services advisers need now, according to lenders

Paul Adams, sales director, Pepper Money
Emily Hollands, group head of distribution, OSB Group
Jonathan Stinton, head of intermediary relationships, Coventry for Intermediaries
Moderated by: Clare Beardmore, director, L&G Mortgage Club

11.30 – 12.00

Protection advice – beyond the mortgage

• Behavioural trends impacting the industry and what that means for advisers
• Strategies for accessing new markets and better meeting the needs of existing clients
• The industry’s response to customer vulnerability and what the protection conversation of the future looks like

Vincent O’Connor, head of strategic partnerships, Guardian Financial Services

12.00 – 12.20

The digital homebuying shift – speed, trust, and transparency

• How are AI-powered affordability assessments, digital ID checks, and open banking tools transforming client onboarding and mortgage approvals?
• Digital homebuying platforms: giving advisers real-time insights into property data
• Adapt and thrive: how can advisers successfully integrate digital platforms to deliver a seamless customer experience?

Jack Rogers, founder, Keychain

12.20 – 13.00

Guiding tomorrow’s first-time buyers – reshaping broker conversations

• Growing the market: focusing on expanding the pool of buyers (e.g. FTBs) through LTI and LTV changes, not just competing for existing customers
• Long-term impact and supporting FTBs in the buy-to-let space
• Explore how lenders can help brokers reach new buyers via marketing, social, AI and education

Danny Belton, head of TMG Club and partner strategy, TMG Mortgage Network
Paul Flavin, coach – mentor – consultant
Sam Fox, founder, UK Mortgage Centre
Christopher Hill, head of sales – intermediary distribution, Accord Mortgages
Michelle Lowe, business development manager, Market Financial Solutions
Moderated by: Clare Beardmore, director, L&G Mortgage Club