The Accord Mortgages Growth Series Podcast

In episode #142 of the Growth Series podcast's Mortgage Mentors series,Jeremy Duncombe, Managing Director at Accord Mortgages speaks with Jon Pittham, Founder & Managing Director of HubSpot consultancy Karman Digital to discuss how mortgage and financial advice firms can navigate the growing influence of AI and marketing technology. The episode explores the shift towards more human-focused advice, the importance of consistent client engagement, and how brokers can begin modernising their approach without becoming overwhelmed. Jon shares practical views on using AI effectively, alongside the need for caution in a regulated environment. The conversation also looks ahead to how technology may reshape the broker role in the coming years, while reinforcing the enduring value of trust and personal connection.

In episode #141 of the Growth Series podcast's Mortgage Mentors series,Jeremy Duncombe, Managing Director at Accord Mortgages is joined by Charles Roe (UK Finance) and Rob Thomas (IMLA) to examine what 2026 could hold for the mortgage market.  The discussion compares gross lending forecasts of £300–£320 billion and unpacks the drivers behind them, including affordability pressures, rising real incomes and anticipated base rate movements. The episode explores the scale of the remortgage opportunity, evolving lender appetite around high LTV and LTI lending, support for first-time buyers, and the continued professionalisation of buy-to-let. It also considers how global and domestic economic factors may influence rates and borrower confidence.   The overall tone is measured but positive, highlighting a market with growing momentum and tangible opportunities for advisers  

In episode #140 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgages is joined by Charles Roe (UK Finance) and Rob Thomas (IMLA) for the fourth annual Economists' Year in Review, analysing how the mortgage market performed in 2025 and why lending exceeded expectations. They discuss the drivers behind stronger-than-forecast activity, the impact of regulatory adjustments, evolving lender behaviour, shifting dynamics in buy-to-let, and what borrower choices between product transfers and remortgaging signal about confidence levels. The episode closes with a frank debate on housing supply, labour market pressures and whether exceptionally low arrears suggest the market may now be too tightly constrained. A sharp and forward-looking review of a year that proved more resilient than many predicted.  

In episode #139 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgages interviews Nicola Goldie, Head of Strategic Partnerships at Aldermore Bank.  Nicola shares her unconventional journey into mortgages, moving through travel, retail, PR and insurance before finding her place in the intermediary market. She discusses the lessons learned along the way, the importance of relationship-led partnerships and how trust, shared ambition and adaptability shape long-term success. The conversation also explores Nicola's commitment to diversity, inclusion and mentoring within the industry, including her work with the Intermediary Mortgage Lenders Association(IMLA) and Working in Mortgages. Nicola reflects on leadership, caring responsibilities and maintaining clarity under pressure, before closing with insights into her love of live music, travel and asking meaningful questions of future industry leaders.  

In episode #138 of the Growth Series podcast's Mortgage Mentors series, Ben Thompson, Director at Mortgage Advice Bureau turns the tables and interviews Jeremy Duncombe, Managing Director at Accord Mortgages.  Jeremy reflects on his career journey from starting out at Halifax to leading one of the UK's best-known intermediary lenders, sharing the experiences that shaped his views on leadership, people development and partnership across the mortgage market.  The discussion explores why attitude and resilience matter more than qualifications alone, the thinking behind the Growth Series and Mortgage Mentors, and how mentoring, diversity and personal perspective influence long-term success. It is an honest and thoughtful conversation that offers practical insight for brokers at every stage of their career.  

In episode #137 of the Growth Series podcast, host Chris Hill, Head of Sales at Accord Mortgages is joined by Ash Borland, Sales and Marketing Coach at Mortgage Business Mastery. Together, they explore how brokers can build stronger, more effective relationships with lenders and BDMs, and why these relationships are becoming even more important in a changing market. Ash draws on his experience coaching advisers to highlight the habits that set successful brokers apart. He shares the impact of clear communication, early conversations and well-prepared case summaries, as well as the value of treating BDMs as genuine partners rather than criteria checkpoints. Chris and Ash also look ahead at how technology and AI are shaping the industry, and why the human element of broker–lender relationships remains essential. For new brokers, or anyone looking to refine the way they work with lenders, this episode offers practical guidance and reassurance from someone who has seen both sides of the process.  

In episode #135 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgage speaks with Richard Merrett, Managing Director at Alexander Hall about his unexpected entry into financial services and the experiences that shaped his leadership journey. Richard reflects on how a temporary role pulled him into an industry he once aimed to avoid, and how he came to realise that mortgage advice is rooted in connection, empathy and helping people achieve meaningful life goals. He talks about the value of stepping outside familiar surroundings, the lessons learned during his time away from Alexander Hall, and how those moments influenced the leader he is today. The discussion highlights the importance of mentoring, creating environments where advisers can develop, and why diverse thinking strengthens teams. Richard also touches on his work with AMI and the Green Mortgage Advice Initiative, driven by a desire to contribute to the wider industry.  

In episode #134 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgage speaks with Clare Beardmore, Director of Legal & General Mortgage Club, about her inspiring rise through the mortgage industry.  From her early days at Leek United Building Society to her leadership role at L&G,  Clare shares her personal and professional journey shaped by resilience, emotional intelligence and a people-first approach to leadership. Together, they explore the role of emotional intelligence in building teams, overcoming imposter syndrome, and navigating a rapidly changing industry. Clare's reflections on mentorship, collaboration, and finding balance between career and personal life make this a must-listen for anyone looking to grow in their profession.  

In episode #133 of the Accord Mortgages Growth Series podcast, host Mike Davies, Head of Lending at YBS Commercial Mortgages, speaks with Matthew Martin, Director at Align Property Finance. They explore the changing commercial mortgage market, from the rise of challenger lenders to the importance of building long-term client relationships. The episode covers how interest rates and sector trends are shaping activity, why HMOs are gaining traction, and the role of technology in streamlining processes without losing the human touch. Deregulation and its potential impact are also discussed, with Matthew sharing a cautiously optimistic outlook for the future.  

In episode #132 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgage chats with James Tucker, CEO of Twenty7Tec, about his journey from stockbroking to leading one of the UK's top mortgage tech firms. James shares lessons on resilience, leadership and innovation, and how embracing technology and data can future-proof mortgage advice without losing the human touch. He also reflects on mentorship, community impact, and how golf and mountaineering help him stay grounded outside of work.  

In episode #131 of the Growth Series podcast, host Iain Cunningham, Strategic Partnerships and Propositions Manager at Accord Mortgages, is joined by Liz Syms, CEO and Founder of Connect Mortgages and Connect for Intermediaries. Together, they explore how artificial intelligence is transforming the mortgage industry and what it means for brokers. Liz shares her journey into AI adoption, from transcription tools that free up client conversations to compliance systems that speed up file reviews and reduce errors. She also discusses how portals and chatbots are enhancing the customer experience while stressing the irreplaceable value of human advice. Packed with practical insights, this episode highlights how brokers can embrace an "AI first" mindset to boost efficiency, stay competitive, and focus on what matters most—building trust and delivering personalised guidance.  

In episode #130 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgages speaks with Sidney Wager, Managing Director at L&C Mortgages. Sidney reflects on his journey to senior leadership, sharing how his upbringing shaped his customer-first values and passion for inclusion. He discusses the impact of early career development programmes in supporting underrepresented colleagues, the importance of diversity, equity and empathy in leadership, and why organisations must avoid echo chambers to stay relevant.  The conversation also explores the balance between data-driven decision-making and human intuition, with Sidney offering his perspective on the role of AI in financial services. Alongside professional insights, listeners will enjoy a glimpse into Sidney's personal life, from his loyalty to Manchester United to his growing love of Formula One, and his thoughts on maintaining wellbeing and balance in a busy career.

Warning: This episode discusses economic abuse and domestic abuse, which may be upsetting for some listeners. Please prioritise your well-being while listening.  In episode #129 of the Growth Series podcast, Andrew Calder engages in a critical conversation about economic abuse in the mortgage industry with Claire Towe, Co-founder of Meet Margo, and Lauren Garrett, Financial Services Lead at Surviving Economic Abuse. This episode sheds light on the hidden struggles of economic control and the unique challenges women face in homeownership due to systemic inequalities. The discussion explores the role of financial professionals as key supporters for victim-survivors of abuse, often acting as first responders when clients reveal their struggles. With real-life stories of clients facing credit challenges and arrears due to abusive pasts, the episode highlights the necessity for compassionate service and tailored processes within the industry. Legal reforms to prevent the misuse of joint mortgages and collaborations with financial institutions are also examined, showcasing efforts to provide more flexible and supportive mortgage options for victim-survivors. The episode calls for increased training and resources for mortgage advisors to better identify and assist those affected by economic abuse, aiming for a future where financial services serve as a lifeline for those in need. For more resources and support on this topic, visit: https://survivingeconomicabuse.org/i-need-help

In episode #128 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgages, chats with mortgage industry veteran Dev Malle, Chief Business Development Officer at Simplify, whose 35-year career spans lending, broking, and conveyancing.  Dev shares lessons on resilience, adaptability, and innovation, plus personal stories of trekking adventures and mental health advocacy. From career milestones to mentorship, cultural exploration, and a lighthearted Secret Santa moment, this conversation offers both professional insight and personal warmth.  

In episode #127 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgages, welcomes Nicola Alvarez, Head of Strategic Partnerships & Propositions at Accord Mortgages, who shares her extraordinary journey in the mortgage industry, beginning with her start at Nationwide in 1995. Her story is one of resilience, leadership, and a deep commitment to diversity, equity, and inclusion. Nicola discusses her passion for creating supportive work environments, inspired by her experiences as a mother and her advocacy for a son with autism and ADHD. She highlights the importance of trust, mentorship, and open communication in building resilience, drawing on lessons from her early career influences and her current role. Nicola also provides insights into her visionary approach to product development and the evolving role of brokers within the industry. With nearly 30 years in the field, she offers valuable perspectives on broker-lender dynamics and the future of mortgage propositions.

In episode #126 of the Growth Series podcast, host Debjani Bajpai speaks with Kate McTernan, Director at Mortgage Advice Group, about how broker teams can find work-life balance in a demanding and fast-moving mortgage market. Kate shares practical strategies for managing workload, staying present for family life, and leading high-performing teams. With over 20 years in financial services and first-hand experience running a brokerage while raising a young family, Kate offers real-world advice on diary discipline, capping appointments, managing seasonal pressures, and building a supportive team culture. Tune in for actionable insights on spotting signs of burnout, planning around school holidays, and creating a workplace that supports both business success and personal well-being.  

In episode #125 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgages, speaks with Louisa Sedgwick, Managing Director of Mortgages at Paragon Banking Group PLC, as she shares her inspiring rise from a Youth Training Scheme to senior roles at major institutions, offering a powerful story of resilience in a traditionally male-dominated field. The episode explores the dynamic changes within the mortgage industry, emphasising the role of technology and AI in shaping its future. Louisa discusses the private rental sector's critical role and legislative impacts, advocating for a balanced approach to housing that acknowledges diverse aspirations and needs. Louisa further reflects on the importance of mental well-being and maintaining a healthy work-life balance, sharing personal strategies that keep her grounded.  This episode is a rich source of inspiration and insight, offering a window into the evolving mortgage industry through the eyes of a pioneering leader.

In episode #124 of the Growth Series podcast, host Iain Cunningham is joined by cybersecurity expert, Paul Lopez, to discuss the pressing issue of cybersecurity for small businesses, particularly mortgage brokers. Paul, who serves as the Director at The Eastern Cyber Resilience Centre, brings a unique perspective from his extensive background in law enforcement and cybercrime prevention. The episode highlights the collaborative efforts between various sectors to enhance cyber resilience, emphasising the importance of engaging with Cyber Resilience Centres for support and resources. Through a compelling real-world case study, listeners gain a deeper understanding of the sophisticated tactics used by cybercriminals and the critical security measures that can thwart such attacks. Paul and Iain explore the ever-evolving threats posed by phishing, social engineering, and ransomware groups, stressing the need for ongoing staff training and the shared responsibility of cybersecurity.  The discussion also covers effective incident response strategies and the role of cybersecurity insurance in protecting businesses from potential damages. A must-listen for business owners looking to bolster their defences against digital threats and navigate the complex world of cybersecurity with confidence.  

In episode #123 of the Growth Series podcast's Mortgage Mentors series, Jeremy Duncombe, Managing Director at Accord Mortgages, has an insightful conversation with Martin Reynolds, CEO of SimplyBiz. Martin shares his extensive knowledge and experience from over 30 years in the mortgage industry, exploring the challenges and opportunities brokers face today. He reflects on the pivotal moments in his career that have shaped his leadership style and discusses the importance of adaptability in navigating economic shifts.   He discusses the value of regulation and clear documentation in boosting industry standards, and suggests that many so-called innovations are simply tried-and-tested ideas reimagined through technology. Martin also highlights the importance of adaptability, collaboration and diversity, advocating for structured mentoring as a driver of inclusive growth. For those pursuing a long-term mortgage career, he encourages curiosity and the power of strong professional networks.  

In episode #122 of the Growth Series podcast, host Kathy Clark is joined by Emma Tomes, Managing Director of The Mental Health People, and together, they explore the often-overlooked subject of mental health in high-pressure roles like mortgage brokering. Emma shares her personal journey into mental health advocacy following a family tragedy, which led her to create a supportive space for individuals struggling with mental health.   Listeners will learn about the concept of a "stress container" and how recognising early signs of stress can be a game-changer in managing mental well-being. The episode delves into the challenges of men's mental health and the importance of creating safe spaces for emotional expression. Emma introduces the therapeutic approach of Internal Family Systems and discusses the impact of stress at home on work performance.   Offering practical strategies for maintaining mental health, such as utilising support tools like Samaritans and Shout text service, and with emphasis on the importance of daily habits like taking walks and conducting self-check-ins, this episode is a must-listen for anyone looking to improve their mental health and create a more balanced, fulfilling life.