Episode 17: The recovery of the specialist market

We welcome Mark Charlesworth back to the hosting seat for our latest instalment of The Sesame Podcast. He provides our opening remarks and introduces Steph Charman, our Specialist Lending Relationship Manager. Steph interviews Adrian Moloney, Group Sales Director at One Savings Bank Group along with Steve Cox, Distribution Director at Fleet Mortgages.


We discuss the initial closures of the capital markets and the effect of this on the specialist market, while looking at the lenders with securitisation models. We touch on positive news for the specialised market as many trades complete, and how the resumptions of physical valuations allow lenders to clear the existing pipeline. We move on to explore the appetite to lend within the specialist market across a range of products while remaining focused on customer outcomes.


We then delve into evolving the specialist market to react to the furlough scheme and how a stamp duty holiday could provide a real opportunity for the sector. The next section sees us talk through an outlook for the future for professional landlords and discuss their reemergence to lending and diversifying their portfolios. We also cover the mortgage payment holiday and whether there is a better name for this scheme and the impact it could have for a customer when lending in the future.


Last but not least, we explore a post-COVID-19 market and how our sector has an opportunity to innovate to levels we've not seen before while still keeping the focus on good customer outcomes.


Finally, Mark provides his closing reflections as we wrap up a comprehensive and informative discussion.


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