In episode #133 of the Growth Series podcast, Mike Davies, Head of Lending at YBS Commercial Mortgages, is joined by Matthew Martin, Director at Align Property Finance. Together, they explore the shifting world of commercial mortgages - covering market trends, sector challenges, and the evolving role of technology.
Matthew draws on his banking background to explain why transparency and trust remain at the heart of broking. With traditional banks stepping back and challenger lenders moving in, he argues that relationships (not transactions) are what set successful brokers apart.
The episode looks at the pressures created by rising interest rates, as refinancing takes centre stage for many landlords. It also highlights where opportunity lies, from resilient residential markets and thriving retail parks to the growing demand for HMOs.
Technology and AI are another focus. While automation can improve speed and efficiency, Matthew stresses that property finance will always need human judgement and the “whites-of-the-eyes” test. Deregulation is also on the horizon, raising important questions about how to balance growth with borrower protection.
Looking ahead, Matthew remains cautiously optimistic. He points to areas of potential growth and underlines the resilience of the market despite years of uncertainty.
If you’re interested in how the commercial mortgage market is evolving and how brokers can adapt to stay ahead, this episode offers valuable insights you won’t want to miss.
Listen to more podcasts in the Broker Talks Series here.
The Growth Series is a dedicated and FREE resource for mortgage brokers, containing blogs, guides and podcasts to help you scale and grow your business. For more hints and tips on how to grow your business, access for free here.
01:19 - 44:42
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