It's officially festive season, and we're gifting you our most packed issue of B&C Magazine yet. In the Regional Lending Issue, we traipse through various postcodes in the UK to reveal the latest challenges and opportunities in the specialist finance market. Our cover story, 'Why do brokers still struggle outside of London?', explores the disconnect some brokers feel when dealing with mainstream lenders in local markets, and why setting up regional hubs is not the solution. We finalise our 'Moulding the next generation' series with three female leaders: Kim McGinley at VIBE Finance; Leah Brunskill at Market Financial Solutions and Andrea Glasgow at HTB, who take self-care and teamwork to another level. Plus, we bring exclusive interviews, news announcements and predictions from some of the top names in the industry, including Aspen Bridging, TAB, Together and many more!