Cardiff City Stadium

09.30 – 09.35

Welcome from Mortgage Solutions

Iain Cartlidge, managing director, Mortgage Solutions

09.35 – 10.00

What does the future hold for buy to let and why should you be optimistic?

• Understanding the headwinds and opportunities for advisers in the buy to let sector over the next 12 months
• Reviewing landlords’ property behaviour
• The Renters’ Rights Bill & EPC consultation what to expect and how to prepare
  for the future

David Whittaker, CEO, Keystone Property Finance

10.00 – 10.25

Weathering the remortgage storm

• The importance of understanding landlord data, product transfers, and landlord reassessments: what are the opportunities for intermediaries?
• Understanding the maturing buy-to-let market – where are the gaps and what should you plan for?
• Will planned legislation change how we view BTL mortgage opportunities?

Matt McCullough, head of sales and development, Aldermore

10.25 – 10.45

Landlord trends for 2025 – from Pegasus Insight

• Landlord’s portfolios & financials: ownership trends, limited companies, yields and rents
• Intentions for 2025: purchase & sales plans
• Legislation & reform of the PRS: Renter’s Rights Bill, Minimum Energy Efficiency Standards and impact on tenants

Mark Long, managing director and founder, Pegasus Insight

10.45 – 11.05

The Renter’s Rights Bill – what it means for you and your clients

• The role of mortgage advisors in assisting landlord clients with financial planning under new regulations
• Changes to buy-to-let mortgage products and affordability assessments
• Strategies to support clients in maintaining compliance while optimising their financial goals

Emma Jones, business development manager, Market Financial Solutions

11.40 – 12.10

Sustainability, EPCs and the impact of the rising green agenda

• Green reforms and an overview of Minimum Energy Efficiency Standards (MEES)
• Updates on regulatory changes affecting EPCs
• Impact of legislative EPC changes on landlords and the buy-to-let market

Joe Avarne, senior manager, pricing and propositions, The Mortgage Works
Dr. Neil Cobbold, commercial director, Reapit
Luke Loveridge, founder, Propflo
Gareth Morgan, managing director, Prime Property Finance
Moderated by: Liz Syms, CEO, Connect for Intermediaries

12.10 – 12.40

The evolving nature of Buy-to-Let

• • How Buy-to-Let has evolved and why
  • Addressing the existence of a two-tier Buy-to-Let market – Limited and Non-Limited Company landlords
  • Recognition of different advice approaches and the opportunities that exist and that can’t be ignored
  • Interaction techniques to maximise broker/client relationships

Paul Purewal, corporate relationship manager, Coventry for Intermediaries

12.40 – 13.20

Staying the course – preserving prosperity in the buy-to-let sector

• Ensuring resilience: what should landlords and brokers be focusing on in 2025 and beyond?
• Working together: opportunities for strengthening the lender/adviser relationship
• Support and resources for brokers to help navigate current challenge

Steve Cox, chief commercial officer, Fleet Mortgages
Adrian Moloney, group intermediary director, OSB Group
David Whittaker, CEO, Keystone Property Finance
Moderated by: Jane Simpson, head of strategic accounts – broker, Legal & General