The Mortgage Business Expo 2025 taking place today (14th October 2025) gathered key figures from across the mortgage sector to discuss current trends, risks, and opportunities in the market.
Rob Bernard, intermediary relationship director at Pepper Money, chaired the panel, joined by: Carolyn Asplin, head of real estate commercial banking intermediaries at Lloyds Banking Group; Claire Cherrington, DA distribution director at Sesame Bankhall; Martin Reynolds, CEO of SimplyBiz Mortgages and chair of FIBA; and Richard Beardshaw, head of sales for mortgage intermediaries at HSBC UK and chair of IMLA.
During the seminar, the panel spoke about a strong push for sustainability, with demand rising for green mortgages and eco-friendly property features.
They noted an increasing trend among landlords and investors to use limited company structures, likely due to ongoing and upcoming Renters’ Reform.
The panel said borrowers were moving towards longer-term fixed rate products, seeking more financial security in a changing economy.
Properties with strong eco credentials were described as more popular among both homeowners and investors, as people looked to take advantage of available incentives.
Additionally, a wider range of borrower profiles was reported, with overall positive sentiment about borrower behaviour.
Technology and artificial intelligence (AI) were highlighted as major opportunities in the market.
The panel explained that lenders were using AI to streamline underwriting and improve risk assessment, making it easier to handle higher volumes and more complex cases.
This was said to enable more tailored mortgage products and better service for intermediaries and borrowers.
Looking ahead, the panel expected the market to grow over the next five years, with technology and AI helping lenders reach a wider range of customers.
They noted that innovation, sustainability, and a positive borrower outlook will underpin the next phase of growth for the mortgage industry.
