Mortgage Strategy Podcast

Money Talks: Economic Abuse

In this episode Shelley Reid from Royal London discusses the rise of economic and financial abuse, explains the difference between them, and shares real-life examples showing how control over money, property, benefits and mobility can be used to coerce victims. She outlines which groups are at higher risk, the effects on mortgages, protection products and debt, and practical red flags for advisors, friends and family to watch for. The episode closes with clear, compassionate advice on how to respond—listen, believe, signpost support services and ensure staff are trained to identify and help those experiencing economic abuse.

Money Talks – Putting Protection Viewpoint insights into action – Part 2

In this episode of Money Talks, Kimberley Dondo is joined by Stacey Penn (The Association of Mortgage Intermediaries) and Shelley Reid (Royal London) discuss why positioning protection conversations earlier in the mortgage journey increases uptake. They cover practical ways advisors can embed these discussions — using clear language, leveraging mortgage documents as prompts, asking what clients want to happen rather than focusing on fears, and emphasizing the human value of advice. The episode also highlights FCA nudges, referral opportunities, and the importance of supporting advisors with provider coaching.

The Home Is the Pension: Why Property Must Be in Retirement Plans

Kimberly Dondo interviews Will Hale, CEO of Key Equity Release and Answers in Retirement, about the coming inheritance tax changes in 2027, rising pension withdrawals, and the role of property wealth in retirement planning. They discuss lifetime mortgages, advice silos, referral pathways for brokers, and practical steps advisors should take to include homeowners' equity in holistic financial plans.

Money Talks – Putting Protection Viewpoint insights into action – Part 1

In this episode Shelly Reid (Senior Protection Technical Manager, Royal London) and Stacey Penn (Head of Policy, AMI) discuss findings from the 2025 AMI Protection Viewpoint research and focus on how advisors can better serve renters—an underserved and growing segment—through income and lifestyle protection. They cover practical opportunities for advisers, including building long-term client relationships, using internal and external referrals, protecting deposits and credit scores, educating younger clients about income protection, and timing protection conversations around remortgages and product transfers.

Money Talks: Building Protection into Everyday Planning Conversations

In this episode of Money Talks, host interviews Gregor Sked from Royal London to unpack the FCA's Pure Protection Market review. They discuss how the review is a signal rather than an intervention, the engagement and protection gaps affecting many households, and the growing importance of consumer duty, claims outcomes, trusts and clear explanations of income protection. Gregor offers practical advice for advisers: embed protection in everyday planning, use client stories to explain outcomes, document value and review policies regularly, and prepare for the FCA's final conclusions while continuing to focus on delivering fair value and good customer outcomes. For practical guidance on wider technical and regulatory protection topics, visit Royal London’s Technical Central: https://adviser.royallondon.com/technical-central/protection-guidance/  [https://links.uk.defend.egress.com/Warning?crId=69a06c08a9711b460ff398ec&Domain=emap.com&Threat=eNpzrShJLcpLzAEADmkDRA%3D%3D&Lang=en&Base64Url=eNoNyEEOgDAIBMAXtdz9DaHEkuDSUDTx9zrHmVVrH0Q8HtuaPeNl98AIdImLSmXChL2JopKdVsafZYF23jYYovQBv3cbCA%3D%3D&@OriginalLink=adviser.royallondon.com] Money Talks [https://www.mortgagestrategy.co.uk/money-talks/]