In this episode the band is back together and discusses the latest moves in the mortgage market.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

This week, Riz Malik, Lewis Shaw and Jamie Lennox go down the A.I rabbit hole.

Riz Malik, Lewis Shaw and Jamie Lennox talk content and social media on the latest episode.

In this episode, we are joined by Gary Waters, the protection guru.

In the final episode of this year, Riz Malik (leader), Lewis Shaw and Jamie Lennox review 2025 and discuss their outlook for 2026: Merry Christmas and a Happy New Year.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Lewis Shaw, Riz Malik and Jamie Lennox discuss the recent budget and other things.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

Lewis, Jamie and Riz (dialling in “Mister Worldwide” style from the UAE) unpack a lively October: slow start, strong finish, and why December sits on a knife-edge for property demand. They debate “complete now or wait for the Budget,” stamp duty vs a mooted annual property tax, falling swaps, and whether a base-rate cut lands in November or December.

On the business side, Lewis shares what’s working in organic social (Calendly flows, Linktree, DMs, and why followers matter less than watch-time), plus honest chat about burnout, boundaries over Christmas, and automations to hit January running.

Special guest Sam Lappin (Sesame) lifts the lid on AR vs DA routes, why many firms are switching networks, the underrated power of delegation, and the industry’s “new blood” problem. The crew close with 2026 prep: know your numbers, build a real community (not an echo chamber), and stay agile—because policy and sentiment could flip fast.

FOR PROFESSIONAL INTERMEDIARY USE ONLY.

This podcast is intended for mortgage brokers and financial advisers and is not intended for use by the general public. The content provided is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice.

The views expressed are those of the individual hosts and guests and do not necessarily reflect the views of their respective firms. Always conduct your own research and due diligence.

In Episode 41 of The Broker Collective, Riz Malik, Jamie Lennox, and Lewis Shaw dive straight into the political and economic storm clouds forming over the mortgage market.

Fresh from holiday, Riz shares his thoughts on Rachel Reeves’ looming budget, landlord tax rumours, and the possibility of National Insurance being charged on rental income. The trio debate whether these moves are designed to push landlords into selling to tenants, or part of a bigger shift towards institutional ownership of UK housing.

With tinfoil hats firmly in place, they explore parallels with the World Economic Forum’s “you will own nothing” narrative, Gary Stevenson’s prediction of house prices doubling, and the uncomfortable reality of a housing supply crisis that shows no sign of being fixed.

The conversation turns practical as they discuss how brokers can prepare clients for portfolio restructuring, CGT risks, and the opportunities for tenants if a landlord sell-off accelerates. They also stress the importance of financial education, partnerships with IFAs, and using social media to educate rather than sell.

Later, the hosts welcome Jamie Lawless, CEO of Lendwell, to discuss their new AI-driven CRM platform set to launch in the UK. Jamie explains how poor-quality data inspired the project, why legacy systems are holding brokers back, and how AI can drastically cut processing time, improve client experience, and transform conveyancing.

The episode closes with hot topics on down-valuations, slow commission payments, and why consistency is the key to success—whether on social media or in podcasting.

Key Talking Points:

• Rachel Reeves’ budget leaks and landlord tax speculation
• Are we heading towards corporate control of UK housing?
• Asset prices, WEF narratives, and supply failures
• Why brokers should educate tenants and partner with IFAs
• Social media growth: 700k views in 30 days
• Interview with Lendwell CEO Jamie Lawless on AI, CRMs, and the future of mortgage tech
• Down valuations, procs delays, and broker frustrations