With only 55 days to go until Christmas, the end of the year is fast approaching but there’s certainly no slowing down across the industry, and definitely not for the AMI team!

Next week, on the 5^th November, we are launching our 6th Protection Viewpoint Report and you won’t want to miss it. This year’s edition takes a deep dive into the past, present and future of protection advice. If you’re keen to understand how the market is evolving and what it means for your clients, make sure you are part of the conversation. Register now to gain early access and join the dialogue shaping the future of protection.

Since submitting our response to the FCA’s Future of the Mortgage Market Discussion Paper back in September, we’ve been busy engaging with major trade bodies, the FCA, and other key stakeholders. These discussions are so important; they ensure that the adviser voice remains front and centre in regulatory decision-making. As always, we’ll keep our members updated as soon as there’s more to share.

It’s also been a pleasure to connect with so many of you at the Mortgage Vision events. These sessions have been a brilliant opportunity to showcase AMI’s work, from lobbying for the value of advice to championing the adviser’s role in today’s complex mortgage landscape. Your engagement and feedback continue to shape our priorities and strengthen the collective voice of our sector.

Meanwhile, the Government’s Home Buying and Selling Reform Consultation has landed, sparking much-needed debate about how we can make the process faster, fairer, and more transparent. On paper, the proposals promise much of what the sector has long called for; more upfront information, reduced fall-throughs, and greater efficiency. But, as I see it, meaningful change will only come when we focus as much on people as on process.

No amount of digitisation will truly transform the market unless buyers are financially prepared and sellers are genuinely sale-ready. Mortgage advisers have a central role to play in making this happen, helping clients enter the market informed, confident, and ready to move when the right opportunity comes along.

We’ve also been working closely with the Equity Release Council, and recently launched a shared commitment to work collaboratively to transform the later life lending market. Our new joint statement, “From Designing to Delivering the Future: From Summit to Shared Commitment,” sets out a coordinated roadmap for progress ahead of the 2025 Later Life Lending Summit (taking place in Sheffield on 6th November).

The statement outlines shared priorities for the industry, from delivering holistic, customer-centric advice and ensuring proportionate regulation under Consumer Duty, to improving transparency and using technology responsibly to support advisers. This collaboration brings together the Council’s specialist focus and AMI’s broad reach across the mortgage sector to achieve meaningful, practical outcomes.

There’s still time to get involved, so don’t miss your chance to help shape the future of later life lending; register now to attend the Later Life Summit.

As ever, the AMI team remain focused on representing members’ interests, celebrating the value of advice, and working together to deliver positive change across the mortgage and protection sectors.