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The Specialist - a Pepper Money Podcast

Pepper Money
Shared Ownership
Pepper Money
United Kingdom
Breathwork
Association Of Mortgage Intermediaries
Artificial Intelligence
Specialist Lending
Generational Shifts
Buy To Let
Keystone Property Finance
Mental Health
UK Mortgage Industry
Mortgage Regulation
Mortgage Intermediaries
UK Mortgage Market
2008 Financial Crisis
Open Property Data Association
Digital Property Pack
Home Ownership
Pegasus Insight

Get the lowdown on what’s going on in the mortgage industry in around 20 minutes with our very own Rob Barnard and special guests. In this podcast series we’ll be talking to mortgage industry thought leaders who aren’t afraid to address pressing issues happening in the here and now. The content of this podcast is for UK based mortgage intermediaries. The opinions expressed in this podcast are pers... more

PublishesTwice monthlyEpisodes51Founded4 years ago
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Artwork for The Specialist

Latest Episodes

Recorded live at the Affordable Home Ownership Conference in London, this special episode of The Specialist, brought to you by Pepper Money, brings together leading voices from across the housing ecosystem.

With perspectives from Miranda Foster of H... more

In this episode of The Specialist Podcast, host Rob Barnard is joined by Pepper Money’s Chief Financial Officer, Andy Voss, for a deep dive into what powers one of the UK’s leading specialist lenders.

Andy shares his journey to the C-suite and refle... more

In this episode of The Specialist, Rob Barnard is joined by Adrian MacDiarmid, Head of Mortgage Lender Relations at Barratt Redrow, for a practical look at what’s really happening in the new build market.

With nearly 40 years’ experience across brok... more

In this episode of The Specialist, recorded just ahead of the adoption of the Renters' Rights Act, Louisa Sedgwick joins Rob Barnard to share her journey through more than three decades in specialist lending and what continues to inspire her about th... more

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Recent Guests

Miranda Foster
Head of Programs and Products at Homes England
Homes England
Episode: Live episode: Making Affordable Home Ownership a reality
James McPhail
Head of Sales and Marketing at Flagship Homes
Flagship Homes
Episode: Live episode: Making Affordable Home Ownership a reality
Kelly McCabe
Managing Director of The Mortgage People
The Mortgage People
Episode: Live episode: Making Affordable Home Ownership a reality
Andy Voss
Chief Financial Officer, Pepper Money
Pepper Money
Episode: S7 E6: Funding the Future: Andy Voss on capital markets, growth & specialist lending
Adrian MacDiarmid
Head of mortgage lender relations at Barratt Redrow
Barratt Redrow
Episode: S7 E5: Foundations for the future: lenders, developers and the reality of new build with Adrian MacDiarmid
Louisa Sedgwick
Managing Director of Mortgages at Paragon
Paragon Group
Episode: S7 E4: Mortgages in motion: Leadership, change and opportunity with Louisa Sedgwick
Jonathan Stinton
Head of intermediary relationships at Coventry Building Society; chair of IMLA
Coventry Building Society; IMLA
Episode: S7 E3: Leadership, lending and the future of Intermediary advice with Jonathan Stinton
Joel Bailey-Wilson
Founder of Meta Mortgages
Meta Mortgages
Episode: S7 E2: Breaking down barriers in mortgages: building a modern brokerage with Joel Bailey-Wilson
Charles Roe
Director of Mortgages at UK Finance
UK Finance
Episode: S7 E1: Mortgages, markets and momentum: A 2026 outlook with Charles Roe

Host

Rob Barnard
Host of The Specialist

Reviews

4.8 out of 5 stars from 15 ratings
  • Informative & fun

    A finance podcast would never usually be my first choice but Rob is so entertaining and informative that he makes the content truly engaging.

    I feel like everyone could learn something from this pod!!

    Apple Podcasts
    5
    Mac989898
    United Kingdom3 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

episodes are useful for brokers and lenders needing real-world guidance
listeners describe the show as informative and engaging, with entertaining presentation of finance topics
guests are credible experts offering practical industry insights

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Talking Points

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Be more you special: The power of breath with Jessie Laute
Q: How can listeners practically incorporate breathwork into their day without huge time commitments?
She outlines nasal, diaphragmatic breathing with equal inhale/exhale counts (e.g., 4-4), a few minutes at a time, and doing it anywhere—on commutes, at desk, or during breaks—as effective, simple shifts to regulate the nervous system.
Be more you special: The power of breath with Jessie Laute
Q: Tell us how you ended up teaching breathwork and what your journey from corporate life to coaching looked like.
Jessie describes moving from a high-pressure private banking role to retraining as a health coach, discovering breathwork through a mentor, and realizing that healing and performance improvements required addressing past trauma and daily habits, not just cognitive strategies.
S7 E6: Funding the Future: Andy Voss on capital markets, growth & specialist lending
Q: What changes are you pursuing to diversify funding, such as international markets or STS/144A developments?
They are actively pursuing US144A for US-based investors, exploring STS-eligible deals to attract UK banks, and considering other regional opportunities (e.g., Asia) to broaden the investor base while maintaining strong asset performance and governance.
S7 E6: Funding the Future: Andy Voss on capital markets, growth & specialist lending
Q: What are the main funding channels, and how do you manage them strategically?
Pepper uses warehouse facilities for short-term funding paired with RMBS securitisations for term funding, plus flow/whole loan sales to other institutions, enabling diversification across investor types and funding structures.
S7 E6: Funding the Future: Andy Voss on capital markets, growth & specialist lending
Q: Why is Pepper Money not a bank, and how does that affect your funding approach?
The CFO explains Pepper is a non-bank, which affords more flexibility and distinct capital treatment for loans, and allows the company to structure products differently and fund them without the constraints typical of traditional banks.

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Frequently Asked Questions About The Specialist

What is The Specialist about and what kind of topics does it cover?

A UK-focused mortgage industry program that features Rob Barnard in conversation with a rotating roster of guests from lenders, housing policy, and brokerage communities. Episodes span funding strategies for specialist lenders, the evolution of shared ownership, digital transformation in mortgage journeys, regulatory changes, and the broker/intermediary ecosystem. Across recent episodes, listeners get behind-the-scenes perspectives on capital markets, policy impacts, lender-broker collaboration, and practical guidance for navigating a dynamic housing and finance landscape. The show often highlights how technology, data, and policy intersect with market opportunities, making it a practical listen for professionals aiming to stay ahead in UK ... more

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How many episodes of The Specialist are there?

The Specialist launched 4 years ago and published 51 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on The Specialist?

Recent guests on The Specialist include:

1. Miranda Foster
2. James McPhail
3. Kelly McCabe
4. Andy Voss
5. Adrian MacDiarmid
6. Louisa Sedgwick
7. Jonathan Stinton
8. Joel Bailey-Wilson

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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