30 Years in Mortgages - Adrian Moloney on Specialist Lending, Buy-to-Let & the Future of Mortgages!

Stop Waiting for Rates to Drop - Why Now Is the Real Buying Window | Neil McGimpsey

In this clip from the full-length episode, Neil McGimpsey - Group Director at Lomond, one of the UK's largest multi-brand estate agency and lettings groups makes the case that the current market is a genuine buying opportunity, not a reason to wait. With nearly two decades in property, from joining Foxtons in 2006 to leading a multi-brand platform spanning London, Scotland, Yorkshire and the North West, Neil unpacks why 4–7% mortgage rates are historically normal, why holding out for cheaper money could cost you more in price inflation, and how stamp duty reform, better PR for landlords and building more homes could fix the market.He explains why the real housing problem isn't people owning second and third homes — it's that we're not building enough of them and shares his personal (and not universally shared) view on shifting stamp duty liability to the seller.Whether you're a landlord, a tenant, a broker or just curious about where the UK property market is really heading - hit play, and don't forget to like, subscribe and share!Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/ [https://www.prestigepf.co.uk/]📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator [https://www.prestigepf.co.uk/stamp-duty-calculator]📸 Follow us on Instagram – https://www.instagram.com/prestigepf/ [https://www.instagram.com/prestigepf/]💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all [https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all]#propertymarket #neilmcgimpsey #mortgages

From Foxtons to Lomond - Neil McGimpsey on Landlords, Renters Rights & Where to Actually Buy in 2026

Group Director at Lomond, one of the UK's largest multi-brand estate agency and lettings groups, with deep roots in residential sales, new homes and lettings across London, Scotland, Yorkshire and the North West. Nearly two decades in property - from joining Foxtons in 2006 at the height of the boom, surviving the credit crunch and Brexit, working with national house builders and overseas investors, leading Druce, and now overseeing a multi-brand platform at Lomond including DJ Alexander, Linley & Simpson, Thomson Currie and more. Whether you're a landlord, a tenant, a broker or just curious about where the UK property market is really heading - hit play, and don't forget to like, subscribe and share! Episode Chapters: 00:00 — Neil's journey from Foxtons to Lomond 03:12 — How the London market has shifted: overseas investors, capital growth and the new reality 06:45 — North vs South: regional performance and the UK's growing property divide 10:20 — Multi-brand strategy: why Lomond keeps local brands instead of rebranding 14:08 — Adapting to tougher markets: experience, pricing and crafting deals when phones stop ringing 18:30 — Cultural differences: London vs Scotland vs the regions and customer expectations 22:15 — Buyers, sellers and rates: why now is actually a strong buying window 26:40 — Stamp duty reform, second homes and removing friction from the market 31:05 — Limited company structures, portfolio landlords and professionalising buy-to-let 35:20 — Renters Rights Act: cost pressures, compliance and what it means for landlords 40:18 — Tenant expectations, customer service and raising the bar in lettings 44:05 — The broker-agent relationship: why a great mortgage broker is invaluable 48:30 — Digital experience, AI and why the property journey is still broken 53:10 — Quickfire: myths, missed opportunities, Stockport, and where the market goes next Need help with your mortgage? 👉 Get started here – ⁠https://www.prestigepf.co.uk/⁠ [https://www.prestigepf.co.uk/⁠ ] 📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠ [⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠ ] 📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠ [https://www.instagram.com/prestigepf/⁠ ] 💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠ [⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠ ] #neilmcgimpsey #lomondgroup #estateagency

Where Is The Buy-To-Let Market Really Heading & Who's Actually Buying In 2026?! with Adrian Moloney

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/ [https://www.prestigepf.co.uk/] 📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator [https://www.prestigepf.co.uk/stamp-duty-calculator] 📸 Follow us on Instagram – https://www.instagram.com/prestigepf/ [https://www.instagram.com/prestigepf/] 💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all [https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all] In 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 refinance A 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

30 Years in Mortgages - Adrian Moloney on Specialist Lending, Buy-to-Let & the Future of Mortgages!

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/⁠ [Get started here – ⁠https://www.prestigepf.co.uk/⁠ ]📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠ [⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠ ]📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠ [https://www.instagram.com/prestigepf/⁠ ]💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠ [⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠]#adrianmoloney, #osbgroup, #specialistlending, #buytolet, #mortgages, #davidjackson

Why the Best High Net Worth Brokers Spend 95% of Their Time Doing This...

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/ [https://www.prestigepf.co.uk/] 📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator [https://www.prestigepf.co.uk/stamp-duty-calculator] 📸 Follow us on Instagram – https://www.instagram.com/prestigepf/ [https://www.instagram.com/prestigepf/] 💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all [https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all] in 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 bank If 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