20/08/2026
It's a touchy subject in our industry, but it's one I'm incredibly passionate about - and one I genuinely believe every buyer should be educated on, particularly first-time buyers.
Vulnerable customers, too, should be given the time and space they need to make such a huge financial decision.
BBC recently highlighted this on Panorama, focusing on some corporate estate agents. But something I keep asking is: why does nobody seem to talk about builders?
Absolutely no shade on new build brokers & their support teams. I have nothing but respect for people working in that environment. It's high pressure, targets are there, and there can be an expectation to get the customer signed up or face questions from management. It's a tough job.
But …
Can you honestly say that every customer sitting in front of you is mentally ready to process a mortgage application?
I remember so many customers saying to me:
"It's all such a whirlwind. We haven't even had time to digest it. We only came to have a nose yesterday and now we've reserved and here we are."
For some people, that's too fast!!
Not everyone, of course. Some buyers are completely comfortable making decisions quickly. But others need time to step back, process what's happening and make sure they're making a decision because THEY want to - not because they're caught up in the momentum of the sales process.
And that brings me to another question:
Why isn't the FCA doing more about conditional selling? Can they do more? I suppose they have little control over the introducer...
I have so many questions. And, frustratingly, never enough answers.
What I do know is that I will advocate for my clients until the cows come home. I'll challenge things when I need to, ask the questions that need asking, and make sure my clients are treated fairly throughout the process.
Because ultimately, as a customer, please remember:
It's your mortgage.
It's your solicitor.
It's your decision.
It's your choice.
Don't be afraid to slow things down, ask questions, get independent advice and take the time you need.
Buying a home is a huge decision. You deserve to understand what you're agreeing to before you agree to it.
Katie
