Location: Pentland Auditorium

This session explores how AI is moving beyond experimentation into practical, real-world application within mortgage lending. With intermediaries driving the majority of origination, the discussion will focus on how AI can be embedded into intermediary-led journeys to enable faster decisions, improve consistency, and enhance both member and colleague experience.

Dame Debbie Crosbie DBE and Steve Hughes share first‑hand insights from their recent acquisitions, examining what has worked, what has proved harder than expected, and what this means for growth across the mutual sector. In conversation with Christopher Woolard CBE they will look ahead to the opportunities and conditions for sustainable growth and strategic choices for the sector.

As Gen Z moves from renters to first‑time buyers over the next decade, they will bring fundamentally different expectations around digital experience, fairness, flexibility, and innovative ways to own their first home. This session will explore how the mortgage market must evolve to meet those expectations: from seamless digital journeys, distribution, to new product innovation, flexible lending and the role of…
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The FCA and PRA will present on next steps following the publication of the Mutuals Landscape report in December. This will be followed by a short panel discussion on how to build on the momentum and support growth of mutuals through more proportionate regulation and implementation.