A new regime of mortgage regulation came into force in the UK in 2004, and in 2014 the FCA introduced new regulations as part of the Mortgage Market Review. The stricter regulation was put in place to promote responsible lending and ensure future borrowers do not end up with a mortgage they can not afford. Whilst regulation has had a positive impact on keeping arrears low, especially during the pandemic and cost of living crisis - is it going to far and limiting innovation? This session will consider:

- The impact of over regulation on innovation
- The impact of regulation on access to home ownership
- How can mortgage providers increase flexibility in lending whilst still adhering to regulation
- What other industry's have been impacted - and how can their learnings be used