Michelle has been featured in Mortgage Introducer discussing how the mortgage market is evolving in a higher-rate environment, and why brokers need to rethink how they support clients.
In the article, Michelle explains that the era of ultra-low mortgage rates is behind us. Rather than being a crisis, she believes the shift towards “higher for longer” interest rates represents a reset for the market, encouraging more sustainable borrowing and better long-term planning.
She highlights how the role of brokers is becoming increasingly important as clients’ financial situations become more complex. From self-employed borrowers and business owners to portfolio landlords and high-net-worth individuals, many applicants now have income structures that don’t fit neatly into traditional lending criteria.
Michelle argues that successful advisers will be those who embrace this complexity – taking a more strategic and personalised approach to structuring finance and helping clients build resilient long-term property strategies.
As the market matures, she believes professionalism and thoughtful planning will define the next generation of property investors and homeowners.
