Guest blog: Adapt and thrive: UK Mortgage Efficiency Survey panel discussion

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Many homeowners holding back on making energy efficiency improvements
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The Building Societies Association is the voice of the UK's building societies.

Policy & Expertise

Mortgages & Housing

Covers a range of topics relating to mortgages and the wider housing market.

Savings

Covers issues relating to savings accounts and payments.

Conduct Regulation

Covers developments in conduct of business regulation

Governance

Covers issues relating to the corporate governance and constitution of building societies.

People

People related matters such as talent development, apprenticeships and diversity.

Audit & Taxation

Internal and external accounting assurance and matters relating to tax.

Prudential Regulation

The regulation and supervision of firms to ensure their safety and soundness under the remit of the Prudential Regulation Authority.

Digital Identity
A new legal aid scheme to support borrowers at risk of repossession (member only content).
Data & Research

The mutual difference

Building societies and credit unions are customer-owned mutual organisations. Their culture is focused on their members and communities and this influences their day to day decisions.

Mortgage & housing statistics

A wide range of statistics relating to the UK mortgage and housing markets.

Research Reports

Research, analysis and guidance about our members and the issues that affect them.

Savings statistics

Retail savings data including net receipts and deposits, ISAs and interest rates.

Sector Information & Performance

Operational and financial information about building societies. Includes AGM & financial results and remuneration details.

Statistical calendar

Submission and publication deadlines for BSA data and reports.

Read the July Market Update Report
Economic outlook weakens as household finances take a hit and unemployment rises
News & Insights

Blogs & Articles

News and views on topical issues from the BSA and guests.

Press Releases

View our latest press releases and comment here.

Society Matters

The BSA's quarterly magazine covers whats happening in the world of building societies, credit unions and the wider financial services sector.

BSA Property Tracker

A quarterly survey that assesses consumer sentiment regarding the UK property market.

BSA Spokespeople

View biographies and download photos of the BSA's key spokespeople

BSA speeches

BSA speeches from events and seminars

Podcast appearances

BSA experts often appear as guests on industry podcasts.

Many homeowners holding back on making energy efficiency improvements
Events & Training

Upcoming events & training

View the latest webinars, training and other events open to members, associates and other stakeholders

BSA Annual Conference

View our latest BSA Annual Conference and comment here.

Past events & summaries

View our latest Past events & summaries and comment here.

Promoting your event via the BSA

Learn how to promote your event to the BSA's membership.

Featured event
Women's Leadership Programme - "The Becoming Journey®" (12 September - 3 December 2025)
Help & Resources

Consumer Guidance

Find factsheets on mortgages, savings and the building society sector.

Track Lost Savings & Old Building Societies

Track building societies that no longer exists and get a link to its successor's website.

Mortgage Instructions

Find mortgage instructions and specific requirements setting out individual building society policies.

UK Savings Week

The UK Savings Week campaign aims to get people engaged in saving.

Workplace Savings Toolkits

Toolkits to develop Workplace Savings are available here.

Latest Help & Resource Update
Here you can find our publications, responses to consultation documents, mortgage instructions, statistics and sector job vacancies.
About

About the BSA

Find out more about the BSA and the sector.

BSA Members

Contact details for each of our 49 members.

BSA Associate Members

Our Associate members include a wide range of companies from insurers, banks, accountants, solicitors, and other business suppliers to BSA members.

National Credit Union Forum

The National Credit Union Forum (NCUF) is the Credit Union Committee of the BSA.

Financial Services with Purpose

Find out how building societies have purpose beyond profit

Job vacancies

Vacancies for senior management, executive and other positions at the BSA and its member organisations

Associate Membership

Find out the wide range of benefits of joining the BSA as an associate member.

BSA pension scheme

Details of the BSA pension scheme

The Building Societies Trust

Find out about this small charitable trust and the process for applying for charitable grants

Latest About us Update
The Building Societies Association is the voice of the UK's building societies.

Guest blog: Adapt and thrive: UK Mortgage Efficiency Survey panel discussion

Mortgage and stamp duty holidays, lockdowns, furlough schemes and economic uncertainty - for all building societies, 2020 has been anything but business as usual. Steve Carruthers from Iress spoke to three leading building societies about their reflections on 2020 and their priorities going into 2021.

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Steven Carruthers

As we head into 2021, staying nimble and finding ways to work more efficiently is key.

This was something we highlighted in our 2020 Mortgage Efficiency Report earlier in the year, but for all firms, the question is where to focus your attention and what to do?

To help answer this, we invited experts from the building societies sector to join an online panel discussion to revisit the survey results and look ahead to what’s coming next.

Recorded in November 2020, I was joined by Tracy Simpson from Cambridge Building Society, Carolyn Thornley-Yates from Hinckley & Rugby Building Society, Darren Ditchburn from Darlington Building Society, Rob Thickett from BSA and hosted by Matt Smith.

Watch now

Press Release
Mortgages & Housing

PRA announces review of the Loan to Income flow limit rule

The Building Societies Association (BSA) welcomes news that the PRA is reviewing the Loan to Income (LTI) flow limit rule

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Press Release
Savings

Open letter to the Chancellor to save Cash ISAs

Open letter to the Chancellor highlighting the importance of retaining the Cash ISA limit

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Research & Reports
Mortgages & Housing

BSA Yearbook 2024- 2025

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Last updated:20 Nov 2024

Event
Prudential Regulation

An introduction to treasury management

Due to popular demand, we now offer three tiers of treasury management training for BSA Members, Associates and Non-members. The courses will be repea...

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Event
Prudential Regulation

Treasury risk and balance sheet management

Due to popular demand, we now offer three tiers of treasury management training for BSA Members, Associates and Non-members. The courses will be repea...

Last updated:30 Jun 2025