In this month’s cover feature, NACFB managing director Norman Chambers navigates the complex web of market forces currently affecting the UK. From the macro to the micro he shares how recent conditions are affecting both the markets and the economy.

The issue also features insight and opinion from a host of NACFB Patrons including Allica Bank, Keystone Buy to Let Mortgages, Funding Circle, NatWest, SME Capital, Sancus, Reliance Bank, Invest & Fund, Together, Swishfund, and BloomSmith.

Charlotte Mathieson, NACFB senior compliance officer, explains how the new Appointed Representatives’ regime will impact Principals and ARs. Warren Ralls, managing director, UK Network at the British Business Bank looks forward to November’s Business Finance Week, and Josh Newcomb, CEO of the Builders Merchants Federation and Peter Caplehorn, CEO of the Construction Products Association explain the impact of construction product availability.

Into the mix we hear from two NACFB Partners: Nicola Headlam, chief economist at Red Flag Alert shares her views on current market conditions, and Josh Harris co-founder of Doc2 identifies five common contract pitfalls and how to overcome them. We also hear from Gareth Shears, co-founder at NACFB Member firm Sanctuary Financial Planning who provides insight into what the commercial finance market looks like in Wales.

Lastly, we reveal the results of the NACFB Commercial Broker Awards 2022, held once again at Edgbaston Cricket Ground.