Barclays Money Plan public
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Want to learn more about managing your money, including how to begin investing? Listen to Barclays’ Money Plan podcast series where we explore a range of topics in a down-to-earth and jargon-free way. Money Plan is hosted by Clare Francis, Director of Savings and Investments. Clare's background is in financial journalism with over 15 years' experience of covering consumer finance. She is passionate about getting people to think about why it’s important to invest and how to overcome whatever ...
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The evolving role of the mortgage broker is becoming increasingly complex. The performance and potential of the housing market is an ever-changing landscape, but help is here. The award-winning Mortgage Insider Podcast – brought to you by Barclays – is back and better than ever. Renowned TV presenter and property expert Phil Spencer guides you through the trials and tribulations of the housing world. Phil, along with industry-leading guests from the world of economics, financial services, an ...
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The performance of the UK housing market in 2024 has largely exceeded many people's expectations, although challenges remain for first-time buyers due to house prices increasing and a testing rental market for many. Regional disparities, such as the North-South divide, also continue to influence housing accessibility and affordability for many buye…
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Allyship is a vital component in advancing diversity and inclusion efforts, as it involves using our privilege to support underrepresented groups, including LGBTQ+ individuals and those within the neurodiversity spectrum. By actively participating in DEI initiatives and mentoring, allies help normalise conversations around representation while prov…
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With a new Labour government in place, an autumn budget and the US election fast approaching, the old suspects of inflation and tax rises still generating much debate, there’s plenty to discuss from an economic standpoint. To help break down this complex economic landscape and explore its implications for the intermediary mortgage market, by popula…
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During a cost of living crisis, the additional expense of life insurance, critical illness, income protection and even protecting a mortgage may seem like an unnecessary burden for homeowners. However, this protection is arguably more crucial than ever. According to ONS figures, 2.5 million people in the UK are unable to work due to long-term illne…
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Machine learning in finance, the adoption of AI and technology regulation are all hot topics in their own right. Then throw into the mix the potential of automated mortgage advice and what an AI mortgage broker may look like and it's little wonder that intermediary firms across the UK are considering how the role of a broker may change as the AI re…
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So, what are green mortgages? Green mortgages come in many different forms, but all aim to incentivise buyers in the purchase of energy efficient homes or make energy-related improvements. Through increased innovation and rising environmental awareness, green mortgage products are being launched at an ever-increasing rate to incorporate important f…
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Mortgage brokers have long been experts in dealing with new challenges. Be this in the form of regulation, technology – especially AI –, a worldwide pandemic, rising interest rates and heightened cost of living pressures. That’s quite a list, but it still doesn’t cover a fraction of the questions being asked of them by their clients in the current …
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In recent times, there’s been much talk around the financial challenges facing the UK population. However, it’s important to remember that financial circumstances can also improve. Additional, and often unexpected, funds can come in differing forms such as inheritance, insurance payout(s) or even winning the lottery. With inheritance being the most…
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The buy-to-let market has undergone some major challenges and changes in recent years, all of which have impacted landlords and property investors to varying degrees. Rental yield has long been a vital component within landlord calculations but another increasingly important consideration in recent times has been whether to set up a limited company…
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For almost 10 years, the Help to Buy scheme proved incredibly successful in helping over a quarter of a million borrowers across the UK to buy a home. But, with this scheme now having ended in England and Scotland, this leads to the question of what – if anything – can replace it. In the latest episode of Barclays Mortgage Insider podcast, host Phi…
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The mortgage market is currently experiencing growing demand for long-term mortgages – otherwise known as marathon mortgages - with some lenders even offering up to 40-year terms to help attract more young buyers onto the property ladder. So, will marathon mortgages be THE 2024 trend for first-time buyers? Or, with mortgage rates falling, is it sim…
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In this episode of Money Plan, Clare Francis, Savings and Investments Director, and Jenny Souter, Investments Team, navigate the delicate balance between vigilance and patience in managing your investment portfolio. Join us as we dissect the impact of frequent monitoring versus a more hands-off approach.…
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In this episode of Money Plan, Clare Francis, Savings and Investments Director, and Jenny Souter, Investments Team, untangle the intricacies of retirement planning with a focused examination of pensions and ISAs. Join us as they weigh the pros and cons of these two prominent investment vehicles, exploring their unique features and implications on y…
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In this insightful episode of Money Plan, Clare Francis, Savings and Investments Director, Lee Platt, Wealth Planner, and Jenny Souter from the Investments team delve into the world of tax allowances, unravelling the complexities to empower you with strategies for optimising your financial wellbeing. Whether you're a seasoned investor or just start…
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In this episode of Money Plan, Clare Francis, Savings and Investments Director, and Jenny Souter, Investments Team, discuss the intricate art of asset allocation in building a resilient investment portfolio. Discover why spreading your investments across different asset classes is not just a strategy but a key to financial success.…
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In this episode of Money Plan, Clare Francis, Savings and Investments Director, and Will Hobbs, Head of UK Multi-Asset Wealth, dissect the intricate relationship between inflation and investing, providing listeners with a comprehensive understanding of how inflation impacts various asset classes. Tune in and empower yourself with the tools to navig…
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The past few years have seen the relentless rise of the Bank of England base rate dominate lending and borrowing decisions across the mortgage market. This significant uplift has led to an even more complicated picture around affordability, stress testing, the influence of mortgage swap rates and generated a flurry of future interest rate forecasts…
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The UK's housing market remains in a state of flux. Interest rates are at their highest level for 15 years, house prices are faltering, and the UK economy is still feeling the lingering aftermath of last year’s mini-budget. On a more positive note, following a period of swap rate turbulence, mortgage rates are slowly but steadily coming down, infla…
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The UK economy continues to dominate conversations across the country in the wake of the transition to a higher interest rate environment, rising cost of living pressures, an increased focus on unemployment figures and shifts in the labour market. In a bid to unpick the current economic position and help us understand what it all means for the inte…
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Returning soon, a new series Mortgage Insider, Barclays' award-winning podcast for mortgage brokers. Hosted by TV presenter and property expert Phil Spencer, the new series will see leading industry experts, brokers and Barclays’ own team of experts continue to delve deep into the pressing issues that are shaping the mortgage and housing markets. T…
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Thousands are missing out on building their wealth because they think investing in the stock market is a complex, and intimidating process. So in this episode of Money Plan, we’re going to dispel some of the myths surrounding investing and discuss why you don’t need to be an expert if you’d like to get your money working harder.…
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How do you become a savvy saver? In this episode of Money Plan, Clare Francis is joined by Gajendra Gupta, Barclays’ Savings Expert, to discuss the importance of setting clear financial goals, creating a budget and the different types of savings accounts on offer. So whether you’re a seasoned saver or just starting your journey towards financial st…
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Are you in control of your finances, or do you feel they control you? Whatever your circumstances, you’re not on your own and the good news is that you can start any time to gain financial confidence. In this first episode of Money Plan, Clare Francis, Director of Savings & Investments, and Jemma Jarratt, Money Mentor at Barclays, talk about some s…
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Despite the need for financial advice growing exponentially in an increasingly complex economic landscape, many perceived barriers remain for all too many people across the UK. The final episode in Season 4 of Barclays Mortgage Insider Podcast evaluates where these barriers appear, the progress being made by the mortgage industry to overcome them a…
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Following on from episodes which have focused on why buying a house is so complicated and the changing role of the mortgage broker, the latest instalment in the award-winning Barclays Mortgage Insider Podcast dusts off its crystal ball to predict the homebuying and selling journey of the future, what’s going on behind the scenes to make this happen…
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Following his appearances on Series 1, 2 and 3 of Barclays Mortgage Insider Podcast, William Hobbs, Chief Investment Officer at Barclays Wealth & Investments, is back by popular demand to help make sense of current economic conditions in his own inimitable style. Will joins regular host and property expert Phil Spencer to carefully plot his way thr…
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Evolving and adapting to meet ever-changing lending and borrowing needs is second nature to mortgage brokers. Which leads to the question - how are they doing business differently in 2023? In the latest episode of Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by two mortgage brokers - Helen Pierson, director at …
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Buying a house remains one of life’s most stressful events but is the methodology too onerous, lengthy and overly complex? This is the question, amongst many others, which was posed to representatives of three of the most prominent components in the homebuying process - the mortgage broker, the estate agent and the conveyancer. Episode 8 of Barclay…
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The UK mortgage market has always generated a huge variety of ways to help people achieve their homeownership goals and, despite operating in a higher interest rate and inflationary environment which is placing additional pressure on affordability, an array of mortgage products remain available to meet individual borrowing needs. In the latest epis…
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Mortgage brokers have always been on hand to support and deliver solutions for a variety of borrowers on what remains one of the largest and most emotive financial decisions they are ever likely to make. But how has the mortgage advice process changed following a string of events which have put personal and household finances under even greater scr…
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With awareness rising over the environmental and cost implications generated by greater levels of energy efficiency within our homes, it’s little wonder that potential buyers are exploring the benefits of purchasing a new build property. In Episode 5 of Barclays award-winning Mortgage Insider podcast, Matt Aston, Head of New Build at Barclays and J…
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The buy-to-let mortgage market has experienced many highs and some lows over the years but in the wake of speculation around a potential great buy-to-let property sell-off, what impact are recent events having on landlords and mortgage brokers? The latest instalment in Series 4 of Barclays award-winning Mortgage Insider podcast sees host and proper…
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The value of mortgage advice continues to rise in line with the number of challenges facing a variety of homeowners and potential buyers across the UK housing market. Challenges which are generating a host of difficult conversations between clients and mortgage advisers. Episode 3 of Barclays award-winning Mortgage Insider podcast sees host and pro…
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Consumer Duty is currently the hottest topic across the mortgage market and, with new rules coming into force on 31 July 2023, it’s an area that no business can afford to ignore. In the latest episode of the award-winning Mortgage Insider podcast, host Phil Spencer carefully navigates this complex issue with the help Richard Merrett, director of st…
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We are thrilled to open the highly anticipated Series 4 of Barclays award-winning Mortgage Insider Podcast with a focus on the UK housing market through the eyes of our brand new host, the one and only Phil Spencer. This first instalment in the 12-episode series sees property expert Phil joined by one of the country's most respected housing market …
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The award-winning Mortgage Insider Podcast - brought to you by Barclays Bank – is back and it’s even bigger and better than ever. Hosted by renowned TV presenter and property expert Phil Spencer, Series 4 takes you beyond the headlines to explore the challenges, changes and opportunities on offer across the UK housing and mortgage markets. In the l…
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From pushing a trolley at Asda to embarking upon a business journey that led him from unpaid investment banking intern to become one of the youngest Vice Presidents at Goldman Sachs, Ying Tan has a fascinating personal story. However, an entrepreneur at heart he left the banking world to build one of the leading mortgage brokers in the UK. In the l…
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In the latest Mortgage Insider Podcast, Ash Ali and Hasan Kubba - authors of the 2021 business book of the year and best start-up/scale up book award 2021, The Unfair Advantage - discuss how brokers can apply their unfair advantage to help bolster their business. Drawing on over two decades of hands-on experience, including being the first Marketin…
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House prices continue to generate debate and speculation across the UK following a period which saw record levels of activity. To uncover the economic dynamics and stimulus behind this growth, we spoke to Andrew Wishart, senior property economist at Capital Economics. This discussion also analyses the impact of the pandemic, the influence of the ri…
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The art of self-promotion can be a daunting prospect for many businesses and individuals. In this episode of the Mortgage Insider Podcast, business owner Stacey Campbell - Campbell & Horseman Mortgages - and Lucy Werner, founder of The Wern and author of the book Hype Yourself: A no-nonsense PR toolkit for small businesses outline their thoughts an…
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In the latest instalment of the Mortgage Insider Podcast, we continue exploring new trends and success stories by speaking to Patrick Glennon of Patrick James Solutions, a brokerage specialising in providing advice to the Armed Forces, both current serving and veterans. Patrick shares his journey from the military into civvy street, his experience …
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In the wake of the highest inflation figures for 30 years, rising interest rates, soaring energy prices and a devastating war in Ukraine, Chief Investment Officer at Barclays Wealth & Investment Solutions, William Hobbs speaks to Claire and Tony about how global events are currently affecting the UK economy, historic precedents and the potential im…
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Best-selling author and one of the world’s most respected thought leaders on the subject of workplace culture and the future of work, Bruce Daisley joins regular hosts Claire MacPhail and Tony Rimmer as they evaluate the impact of the pandemic and explore how intermediary firms and advisers can improve their working practices in a post-pandemic wor…
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To celebrate International Women’s Day, the latest Mortgage Insider Podcast features Sarah Tucker and Jamie Lewis, co-founders of The Mortgage Mum, who chat openly around the company’s values, ideals and outline how having open, honest conversations has allowed the business to grow so quickly and effectively. They also explore the role of social me…
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In this episode, we explore how brokers can develop and expand their business as we emerge from the pandemic. Claire and Tony speak to Monica Bradley, managing director and founder of MB Associates and Daniel Payne, Managing Director at Fluent Money about the lessons they have learnt over the past few years, how their businesses have evolved, their…
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To kick off Season 3 of the Mortgage Insider podcast, we’re focusing on one of the industry’s hottest topics – Green Mortgages. Claudia Zambon, Director for mortgage products and Erika Moreira Baker, Senior product manager at Barclays navigate the intricacies of the market, evaluate the criteria for borrowers and explore what this space might look …
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