Mike Davies, Head of Lending at YBS Commercial Mortgages
It’s without any doubt in my mind the commercial mortgage market still relies more heavily than ever on relationships. I discuss this and other hot topics in a recent episode of Accord Mortgages’ Growth Series podcast, with Matthew Martin, director at Align Property Finance, and explore the evolving commercial mortgage landscape and discuss key trends.
In this podcast, Matthew explains that the complexity of commercial mortgage deals requires early risk identification and mitigation, ensuring they are structured with foresight and care. “It’s all about being there for the client, way beyond the deal.”
Technology and AI are also a hot topic – with the emphasis on how they should be used to enhance – not replace – human relationships. Matthew acknowledges the growth of AI in the industry. “AI can support, but it cannot replace the human touch. Technology and AI can help us to get a better result for the client – but some jobs will always need to be undertaken by a person.”
Looking ahead, we express cautious optimism for the future of the commercial market, despite recent economic uncertainty and regulatory shifts. Matthew said: “The market has shown resilience through Brexit, Covid, and rising interest rates. Getting back to a place of stability is key, and adaptability will define success in the future for borrowers and investors alike.”
Mike Davies, says: “It’s always fascinating to hear these views on the market, especially on topics that affect us all, such as the impact of AI. It’s reassuring to hear recognition that the human connection is still so important in the sector.”
To listen to the full podcast, please visit: Podcast #133 – Mastering the Commercial Mortgages Market
