In this podcast Phil Spencer caught with with Charlotte Harrison, CEO of Home Lending @skiptonbuildingsociety to find out what will happen to mortgage rates, what lenders are doing to help people who want to buy a home for the first time, as well as home owners with existing mortgages that might be coming to an end.

We also wanted to look closer at the 99% & 100% mortgages.

The timestamps below are indicators of what was discussed - you can use them to skip to a particular area of interest.

👉 VIDEO TIMESTAMPS ⏳
00:00 Introduction
01:51 Rate stability & positive signs
02:13 Repricing to support new & existing mortgage customers
04:45 Increased number of first-time buyers
05:49 The 99% & 100% mortgage
08:22 Rent as part of affordability assessment at Skipton
09:39 Lending on properties with cladding
11:14 External impacts on mortgage lending
12:53 Top tip - stress test yourself
13:36 Rate expectations

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