Dec 16 2024 49 mins 3
I am joined by Ryan Etchells the Chief Commercial Officer at Together https://togethermoney.com/
Ryan describes his role as CCO being between the raw products (in this case pound notes) and the sales team.
This is a cracking episode that has so much information for any investor wanting to understand the specialist mortgage market better, including;
The mortgage market review.
Production costs of credit vs costs of risks.
How the way the UK lives and works determines the demand of products.
How the specialist mortgage market has changed over the years.
How the low base rate decade affected the mortgage market.
The shift in types of property investors over the years.
Changes in Demand for Buy to let property.
Credit lines for lenders vs SWAP rates.
Examples of why the ability to Hedge a loanbook can change mortgage product pricing.
Historical spreads between high street lenders and specialist mortgage products.
How lender price specialist mortgages.
Why savings rates have lagged lending rates.
How banking regulation has built resilience in the UK.
Mortgage product and application fees vs interest rates.
Managing customers expectations when base rates double.
Differences in the housing market compared with other period when rates increased.
The need to unlock SME Housebuilders.
Market responses to politics and of course their Residential Market report which can be found here https://togethermoney.com/residential-property-market-report-2024?utm_medium=referral&utm_source=general&utm_campaign=resi2024&utm_content=div_groupaud_direct041024campaignutm15
If you are interested in our Property Business Workshop on the 16th January in London please check out the details here https://www.tickettailor.com/events/boardroomclubconsultingltd/1433877
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