樱桃涩福利姬

Paul Broadhead, Head of Housing and Mortgage Policy, Building Societies Association

Lucian Cook, Head of UK Residential Research, Savills  

The mortgage market is entering a period of significant change. Affordability pressures, increasing reliance on family wealth, demographic shifts, evolving customer expectations and Government ambitions for growth are reshaping the outlook for lenders, intermediaries and consumers alike.

In this session, leading housing economist Lucian Cook, Head of UK Residential Research at Savills, will explore the key economic, housing and demographic trends that are likely to shape the market over the coming years. Drawing on the latest data and market intelligence, he will examine the outlook for house prices, mortgage demand, first-time buyers, housing supply and regional growth, providing practical insights into the opportunities and challenges facing the sector.

Mona Moussavi, Manager, Mortgages Policy, Financial Conduct Authority

With regulatory reforms continuing to take shape, the focus is increasingly shifting to implementation. This session will examine the key developments in the mortgage market and consider how businesses can respond to an evolving regulatory landscape while identifying opportunities for innovation. 

Alex Devereux, Senior Financial Services Specialist, Surviving Economic Abuse (SEA) 
Additional panel members to be confirmed

Economic abuse can leave lasting financial scars that affect a person's ability to access, manage and sustain a mortgage. This thought-provoking session will combine lived experience, practical insight and industry expertise to examine whether the sector is doing enough, and what more lenders and brokers can do to support victim-survivors as they rebuild their lives.

Simon Farrell-Roberts, Head of Lending, Skipton Building Society
Chris Williams, Strategy and Transformation Partner, Novus Strategy
Additonal panel member to be confirmed

Property data sits at the heart of every mortgage transaction, yet too often it remains fragmented, duplicated and difficult to access. The result is friction for customers, inefficiency for lenders and an increased risk of delays, wasted costs, fraud and failed transactions.
 
Smart Property Data is no longer a future ambition; it is here today. Across government, industry and technology providers, significant progress is already being made to create a more connected property ecosystem. But what does this mean for lenders in practice?
 
Bringing together insights from Skipton Building Society and Novus Strategy, this session will explore how richer, trusted and interoperable property data can improve underwriting, strengthen risk assessment, accelerate decision-making and enhance customer outcomes. The panel will examine the strategic choices lenders need to make today.
 
The discussion will also consider how customer expectations are changing, where competitive advantage may emerge, and what mutual lenders should be doing now to prepare for an increasingly data-enabled mortgage market.

Chris Hunter, Chief Operations Officer, Scottish Building Society
Malted AI (speaker to be confirmed)
Additional panel member to be confirmed

AI promises faster decisions, lower costs and better customer outcomes.
 
But the real question for lenders is no longer whether AI works. It is where it creates genuine value, how it can be utilised safely in a regulated market, and whether smaller and mid-sized lenders can realistically build these capabilities alone.
 
This session brings together lenders and technology specialists to move beyond the hype. Through real case studies, we'll explore where AI is already transforming mortgage operations, what has delivered tangible benefits, what has disappointed, and where the next opportunities lie.

We'll also tackle a bigger strategic question: in a sector built on mutuality, are some AI capabilities better developed collaboratively rather than individually?

Amy Norman, Director of Energy, Climate & Environment, Public First 
Laura Magezi, Policy Manager, Building Societies Association

As the impacts of climate change become more visible, lenders are facing growing questions about the resilience of the UK's housing stock and the long-term implications for mortgage lending. From flooding and overheating to insurance availability, retrofit and evolving regulation, this session will examine the key risks facing the housing market and explore what lenders, government and the wider industry can do to prepare for a changing climate.

Wrap up the day with informal drinks and networking, a great chance to relax, reconnect with peers, and continue the conversation.

(* Programme subject to change)