In this episode, Rob Barnard sits down with Charles Roe, Director of Mortgages at UK Finance, to unpack the key forces shaping the UK mortgage and housing market in 2026. Together they explore UK Finance’s latest forecasts, the industry’s readiness for a major wave of refinancing, and how ongoing affordability pressures are reshaping buyer behaviour. Charles offers insight into lender flexibility and the growing importance of specialist lending. The conversation also covers the outlook for buy‑to‑let, what falling arrears reveal about borrower resilience, and the regulatory and policy changes brokers should prepare for this year. Charles closes by sharing his core message for lenders and intermediaries on maximising opportunities in a shifting, competitive market.