The breakdown in trust following the crash has been followed by a period of institutions endeavouring to regain public trust, but at the same time, new entrants, unencumbered by legacy, have entered the market and built strong followings. What will the future hold? At our recent mortgages event, two expert speakers set out their opposing positions, ahead of a debate and questions from the floor. Here, Jackie Bennett, Director of Mortgages at UK Finance and Lynda Blackwell, former Mortgage Sector Manager and author of the Mortgage Market Review, Financial Conduct Authority share their opening slides.