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Aldermore Insights with Jon Cooper: Edition 2 – Brokers: The unsung heroes powering a resilient mortgage market

Aldermore
Aldermore Insights with Jon Cooper: Edition 2 – Brokers: The unsung heroes powering a resilient mortgage market
Posted:
October 13, 2025
Updated:
October 13, 2025

In a housing market clouded by regulatory flux, budget jitters, and regional disparities, one force continues to drive clarity, confidence, and growth: brokers. 

At Aldermore, we don’t see brokers as go-betweens we see them as market makers. They’re the trusted advisers who decode complexity, guide customers through uncertainty, and keep the mortgage ecosystem moving. 

As product criteria tighten and affordability challenges deepen, brokers are stepping up. They match clients to the right solutions with precision, ensuring suitability, sustainability, and compliance. That’s not just good business it’s essential risk management. 

Despite macro pressures, UK house prices are still climbing year-on-year. But the story is far from simple. Transaction volumes are softening, especially at the top end, as buyers wait for clarity from the Autumn Budget. Meanwhile, proposed government reforms to cut transaction times could reignite momentum if friction is removed. 

In this shifting landscape, brokers are more vital than ever. They interpret lender rules, manage expectations, and reduce rejections.  

Their insight helps shape smarter products and more agile criteria. 

At Aldermore, we’ve always believed that brokers are strategic partners, they don’t just bring cases they bring market intelligence and in today’s climate, that intelligence is gold.

From first-time buyers to clients with complex credit profiles, brokers unlock opportunity in underserved segments. They help maintain distribution volumes and drive inclusive growth especially as the North–South divide widens. 

That’s why Aldermore continues to invest in broker success, with flexible products, transparent criteria, and real-time support, we’re making it easier to deliver for clients without the friction. 

Because when brokers thrive, customers win and in uncertain times, that’s the foundation of a stronger, more resilient mortgage market. 

 

Shekina Tuahene, deputy editor of Mortgage Solutions: The Intermediary Mortgage Lenders Association (IMLA) predicted that in 2026, the share of intermediary-led mortgage business would continue rising with advisers contracting 91% of the market. 

This would see advisers responsible for more than 90% for the first time in the sector’s history. 

The association suggested increasing complexity and competition would make the role of an adviser even more important in “helping borrowers find the optimal solutions for their individual needs”. 

And, even with the regulator aiming to simplify the mortgage advice process and enable people to complete direct mortgages more easily, it was recognised that advisers were a valued part of the market, with an increasing share of borrowers relying on intermediary channels when getting a mortgage. 

This illustrates why lenders cannot ignore this key part of the market and underlines the continued investment to support advisers that is evident across the sector.