Mortgages Made Easy Podcast

Where is the buy-to-let market really heading, and who's actually buying in 2026?Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator📸 Follow us on Instagram – https://www.instagram.com/prestigepf/💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=allIn this clip of Mortgages Made Easy, David Jackson sits down with Adrian Moloney, Group Intermediary Sales Director at OSB Group, to unpack where the real opportunities are in today's specialist buy-to-let market.They cover:- Why limited company purchases now dominate buy-to-let and how the 2016 tax changes flipped the market for good- The hotspots: student towns, city centres and commuter zones and why the "everyone moved north" story doesn't hold up- How the 5% additional stamp duty is actually playing out, and why it rarely stops a deal- The new generation of landlords - including a late-20s investor running a £15–20m student portfolio- The aging landlord community and the big succession question: pass it down, sell up, or get bought out?- Why 1 in 5 people in the UK now live in rental accommodation and what that means for investors- Why headline rates can mislead, and how product fees can quietly hit your equity at refinanceA sharp 8-minute look at where the specialist buy-to-let market is heading and what serious landlords need to be thinking about.#buytolet #mortgagebroker #propertyinvestment #limitedcompany #landlords

Group Sales Director at OSB Group, one of the major stalwarts of the mortgage industry and a big player in the specialist mortgage market. Three decades in mortgages - from starting as an admin at Mortgage Trust in Epsom, to working on-site during the brokerage boom, to underwriting and BDM roles at Portman, helping launch Nationwide for Intermediaries from scratch, and now leading the specialist lending division at OSB Group with brands including Kent Reliance, Precise, InterBay and the newly launched Rely.Whether you're a landlord, a broker or just curious about how the specialist market really works - hit play, and don't forget to like, subscribe and share!Episode Chapters:00:00 — Welcome & Adrian's 30-year journey into mortgages02:42 — Life as a BDM then vs now: paper apps, walk-ins and pitching deals05:31 — Joining Nationwide and building intermediary distribution from scratch12:01 — Surviving the credit crunch as a lender14:12 — MMR and the shift that put intermediaries in pole position22:10 — Moving to OSB: scaling Kent Reliance and acquiring Precise26:43 — Buy-to-let, tax changes and the rise of limited company lending31:17 — Launching Rely: automated underwriting meets specialist lending36:00 — Stamp duty, portfolio landlords and where the hotspots are41:24 — Adverse credit, bridging and the off-high-street opportunity46:13 — The future of mortgage tech, AI and intermediary distributionNeed help with your mortgage? 👉 Get started here – ⁠https://www.prestigepf.co.uk/⁠ 📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠ 📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠ 💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠#adrianmoloney, #osbgroup, #specialistlending, #buytolet, #mortgages, #davidjackson

What does it really take to break into high net worth mortgage broking, and why is the day to day so different from mainstream lending?Need help with your mortgage? 👉 Get started here – https://www.prestigepf.co.uk/📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator📸 Follow us on Instagram – https://www.instagram.com/prestigepf/💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=allin this clip of Mortgages Made Easy, David Jackson sits down with Hugh Wade Jones to dig into the mindset, skill set and relationships that separate high net worth brokers from the volume driven world most advisers come from.They cover:- Why the best brokers flip the model, spending 95% of their time catching and only 5% killing- Being properly quantitative with clients, give them a time, not a vague "later"- Why email kills momentum and the phone still rules in private finance- How to genuinely care about clients, and why it shows in the work- Picking the right banker inside a private bank, not just the right bankIf you want to understand what it actually takes to win, retain and grow ultra high net worth mortgage clients, this one is well worth a watch.#highnetworthmortgages #mortgagebroker #privatefinance

In this episode of Mortgages Made Easy, David sits down with three of Prestige Private Finance’s top mortgage brokers for a straight-talking conversation about what’s really happening in the market right now.Between them, they’ve worked through rate rises, stamp duty changes, recessions, lending freezes and everything in between - and they share what they’re seeing today, what buyers often get wrong, and how quickly things usually settle after periods of uncertainty.Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator📸 Follow us on Instagram – https://www.instagram.com/prestigepf/💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=allChapters:(00:00) Insights Into the Mortgage Industry(06:38) First-Time Buyer Property Advice(11:46) Navigating the Mortgage Process Together(24:28) Broker Efficiency Advantages Over Banks(27:16) Future Impacts of AI on Mortgages(30:22) Adapting to Advances in Mortgage Industry(38:35) Impact of Technology on Mortgages(43:47) Understanding Mortgage Interest Rate Dynamics(49:15) Navigating Mortgage Rate Trends and Affordability(01:00:22) Debating Mortgage Lending Restrictions(01:03:56) Evolving Regulations in Mortgage Industry#mortgages #mortgagebroker #property