Waiting is one of the hardest parts of a mortgage journey. A borrower may know that their application is moving, yet still have no idea what has been checked, what remains outstanding, or when they will hear back.

That uncertainty becomes more difficult when rates are changing, a property transaction is time-sensitive, or the customer is worried about affordability.

In this episode of Regulated Digital, Paul Broadhead, Head of Mortgages and Housing at the Building Societies Association (BSA), joins us to examine how lenders can combine efficient digital journeys with clear explanation, secure communication, and access to human support.

Building societies bring a useful perspective to this question. Their customer-owned model places long-term member relationships at the centre of their work, while their borrowers increasingly expect to upload documents, complete checks, and follow applications online.

Learn more: https://www.mailock.com/blog/mortgage-communication-borrower-certainty

A narrower financial recommendation should cost less to provide. The difficult part is deciding when that service is suitable and making its limits clear.

In this episode of Regulated Digital, we speak with Simon Harrington, Head of Public Affairs at the Personal Investment Management & Financial Advice Association (PIMFA), about whether simplified advice can widen access to personal recommendations without recreating the cost and complexity of holistic advice.

Simon joined PIMFA in 2017 after roles at Nest and HM Treasury covering automatic enrolment, pension freedoms, and the UK's response to the financial crisis. His policy background gives him a close view of the regulatory intent and the practical questions facing advice firms.

The FCA's targeted support regime went live on 6 April 2026. Its consultation on simplifying pensions and investment advice rules closed on 22 May 2026, with a final Policy Statement still to come.

People do not experience their finances as separate product lines. Open finance becomes useful when connected data helps someone understand what they have, whether they are on track, and what they should do next.

That was one of the central challenges raised by Larry Banda, CEO of TISA Commercial Enterprises and Chair of Select ID, when he joined us on the Regulated Digital podcast.

Larry brings decades of experience across mortgages, investments, financial planning, and digital advice. Before joining TISA, his work at Nationwide included developing roboadvice in the FCA sandbox and rolling out video-based mortgage and financial planning advice services during the Covid-19 pandemic.

In the episode, we discuss what needs to happen for open finance and digital identity to move from industry initiatives into services that firms can deliver confidently and customers will actually trust and use.