During this two-day virtual Annual Mortgage Conference, you will have the chance to join multiple live panel discussions where sector leaders and subject matter experts will debate and share knowledge on the issues most affecting lenders and their customers, including:

  • Strategic and policy challenges of ensuring the housing market delivers the homes we need
  • Sustainability and retrofitting for net-zero
  • Issues in the buy-to-let market
  • Consumer duty implementation

We will also provide unlimited access to our mortgage hub where you can find a library of resources as well as watch further panel discussions on:

  • Later life lending
  • Bereavement
  • The impact of Basel 3.1 on mortgage risk weights

The conference is a must for delegates wishing to hear the latest on these and other hot topics facing the mortgage lending sector in 2023 and beyond.

Your ticket will give you access to all live sessions as well as exclusive on-demand content over the two-day sessions. This event is free for members and associate members to attend; please ensure you register using your corporate email address. 

The non-member rate is £95+VAT, please contact events@ukfinance.org.uk to book this rate. To find our if your organisation is a member or associate member, you can check here for members or here for associate members.

Learning outcomes:

Through attending this conference, you will:

  • Hear from sector leaders and subject matter experts debate and share knowledge on issues affecting lenders and their customers
  • Gain knowledge on topics ranging from strategic and policy challenges, sustainability and retrofitting for net-zero to issues in the BTL market and consumer duty implementation

 

Speaking Opportunities:

For more information on speaking at this event, please contact Darren.jeyasingam@ukfinance.org.uk from our Associate Membership Team.

Area of expertise:
Charles Roe

Charles Roe

Director of Mortgages, UK Finance

Charles has over 25 years financial services experience and joined UK Finance in August 2020. As Director of Mortgages he has overall responsibility f...

Charles has over 25 years financial services experience and joined UK Finance in August 2020. As Director of Mortgages he has overall responsibility for delivering the mortgage policy work of UK Finance.

Prior to joining UK Finance, Charles was Executive Director and Chief Risk Officer at The Nottingham Building Society where he was accountable for designing and implementing the Society’s risk strategy and framework. Charles brings with him a wealth of experience including time as a director in the Regulatory Financial Services Practice at Grant Thornton LLP and 11 years regulation and compliance experience at the FCA. Whilst at the FCA, Charles was Head of Department for the mortgage sector, where he developed the FCA’s approach to the supervision of the UK mortgage market and oversaw the implementation of both the Mortgage Market Review and Mortgage Credit Directive.

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Esther Dijkstra

Esther Dijkstra

Managing Director, Intermediaries, Lloyds Banking Group

Previously she was the Director of Strategic Partnerships for LBG with responsibility for the National Account, Housing Development and Intermediary E...

Previously she was the Director of Strategic Partnerships for LBG with responsibility for the National Account, Housing Development and Intermediary Experience teams as well as leading Mortgage Intermediary digital strategy.

Prior to that she was the head of Intermediary protection at Scottish Widows where she was instrumental in the launch of ‘Scottish Widows Protect’ into the Intermediary market, which went live in 2015.

Esther began her career in management consultancy with IBM in the Netherlands and moved to the UK in 2000.   She previously worked for Legal & General where she was Commercial and Marketing Director of the L&G Network and UK Mortgage Club.

Esther lives with her husband and two children in Guildford.

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Richard Rowntree

Richard Rowntree

Managing Director, Paragon Bank

Richard is responsible for the end-to-end Mortgage Business in Paragon. Richard has 3 decades of experience in the Mortgage Industry, holding senior ...

Richard is responsible for the end-to-end Mortgage Business in Paragon.

Richard has 3 decades of experience in the Mortgage Industry, holding senior leadership role at Bank of Ireland, RBS, Santander, Cheltenham and Gloucester and Halifax.

He was Chairman of UK Finance’s Mortgage Product Board in 2019 and remains a Board member. Richard was an Advisory Board Member for the Government commissioned City of London Corporation Socio-economic taskforce and is now a Board Member for Progress Together.

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Andy Langford

Andy Langford

Clinical Director, Cruse Bereavement Support

Andy Langford is Clinical Director for Cruse Bereavement Support, the UK's largest and leading bereavement support charity.  Andy has been a...

Andy Langford is Clinical Director for Cruse Bereavement Support, the UK's largest and leading bereavement support charity.  Andy has been a consultant with the Money Advice Trust for over 5 years, having trained agents and managers on a number of financial institutions on working with high impact calls, people with thoughts of suicide, and also training to develop staff resilience.

Andy is a practicing and British Association for Counselling and Psychotherapy accredited counsellor/psychotherapist, with training in life coaching and clinical supervision.  Furthermore, Andy is also a Post-Graduate Researcher with the Open University, working within a funded partnership between the Open University, Oxford University and Brunel University, to understand more about building the resilience of bereaved people through telephone support.

Andy has worked in the voluntary sector for over 25 years, in the areas of bereavement, homelessness, mental health, substance misuse and multiple needs.  He has also worked within the context of major incident and trauma management, playing strategic and operational roles in the response to the Grenfell Tower fire, the Manchester Arena bombing and the Borough Market attack.

Andy has recently published pieces on bereavement telephone support and sibling loss.  He is in the process of working on a chapter for a book, focusing on men and grief.

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Cerys Williams

Cerys Williams

Finance Partnerships Manager, Green Finance pilots

I lead Green Finance pilots, working with financial institutions to tackle residential decarbonisation within their portfolios through the use of digi...

I lead Green Finance pilots, working with financial institutions to tackle residential decarbonisation within their portfolios through the use of digital tools.

I have overseen the delivery of several innovative projects such as FLATLINE (Fixed Level Affordable Tariffs Led by Intelligently Networked Energy), VALUER (Valuations And Lending Underwriting Energy Reduction) and led the Foundational Economy elements within the pan-Wales Optimised Retrofit project.

In 2021, I was shortlisted for Professional of the Year at the Women in Housing Awards and in 2022 was named Woman in Fintech of the year at the Women's Recognition Awards.

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Roy Armitage FCIB

Roy Armitage FCIB

Head of Loan Servicing & Chair of the Investment & Credit Committee

Roy has over 45 years’ experience in mortgages and retail financial services. A Fellow of the Chartered Bankers Institute, CeMAP and CeRGI, Roy spent ...

Roy has over 45 years’ experience in mortgages and retail financial services. A Fellow of the Chartered Bankers Institute, CeMAP and CeRGI, Roy spent 23 years with Halifax, before working for JP Morgan.

Roy then joined Kensington Mortgages (subsequently purchased by Investec) in 2007 as Head of Risk, Compliance and Financial Crime. There, he oversaw a rebuild of Kensington’s credit risk and underwriting framework, helping it become one of the UK’s largest specialist residential and buy-to-let lenders.

At Lendinvest Roy led the credit and loan servicing teams for 6 years and was responsible for Lendinvest's entry into the BTL market in 2017 before starting his path towards retirement in 2021. Roy now chairs LendInvest’s Credit Committee, whilst also leading the loan servicing team and representing Lendinvest on UKF's BTL and LS & P Committees. 

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Timothy Bannister

Timothy Bannister

Director of Property Science Innovation, Rightmove

Tim is the Director of Property Science Innovation at Rightmove combining data, technology and analytics to develop unique insight and drive property ...

Tim is the Director of Property Science Innovation at Rightmove combining data, technology and analytics to develop unique insight and drive property decision making.  Prior to this, Tim ran Rightmove’s Lettings and Overseas businesses.  

Before joining Rightmove in 2010, Tim worked in investment banking and strategy consulting, advising on business, investment and financing strategies. 

Tim holds an MBA from the Wharton School, The University of Pennsylvania, USA.

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John Marr

John Marr

Principal, UK Finance

John Marr joined the former Council of Mortgage Lenders (CML) in January 2012 and transferred to UK Finance when it was formed in July 2017.  As ...

John Marr joined the former Council of Mortgage Lenders (CML) in January 2012 and transferred to UK Finance when it was formed in July 2017.  As Principal, Devolved Government and Social Housing, John leads our mortgages and housing policy work in the UK nations, as well as our work on low cost home ownership and government schemes to support home purchase. 

John also leads our work in relation to commercial funding and investment in the housing association sector, which is key in helping to meet government targets for new affordable and social housing delivery.  Previously, John worked on housing policy at the Local Government Association.

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Mark McPolin

Mark McPolin

Principal, Mortgage Policy, Retail Finance, UK Finance

Ronnell Reffell

Ronnell Reffell

Manager, Mortgages Policy, UK Finance

Nirujah Amirthalingam

Nirujah Amirthalingam

Manager, Mortgages, UK Finance

Simon Hills

Simon Hills

Director, Prudential Policy, UK Finance

Simon leads the Prudential Capital and Risk team at UK Finance, which focuses on influencing the implementation reforms to capital and liquidity requi...

Simon leads the Prudential Capital and Risk team at UK Finance, which focuses on influencing the implementation reforms to capital and liquidity requirements in the UK. He leads UK Finance's work on the senior managers' and certification regime (SMCR), which seeks to improve bank-wide governance and culture, and has extensive knowledge of prudential regulatory architecture.

He is also interested in operational resilience and different types of bank capital and funding instruments such as bail-inable and covered bonds and securitisation structures. His banking background is in fixed income sales, trading and origination as well as energy and aerospace project finance. He is liveryman of the Worshipful Company of International Bankers and is a former member of the European Banking Authority's Banking Stakeholder Group.

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Sonia Fernandes

Sonia Fernandes

Principal, UK Finance

Sonia Fernandes is a Principal in the Mortgages team and leads on supporting borrowers in financial difficulty, including the industry’s response to t...

Sonia Fernandes is a Principal in the Mortgages team and leads on supporting borrowers in financial difficulty, including the industry’s response to those impacted by the cost of living. She led the industry response to Covid-19; most notably in the design and implementation of payment deferrals and the Possession Moratorium. She also supports on policy work relating to vulnerable customers, implementation of the consumer duty and the Homes for Ukraine Scheme. She was listed on the 2023 Women in Trade Associations Powerlist, which recognises the 100 inspirational women in associations.

Prior to joining UK Finance in 2018, she worked at the Money Advice Service (now Money and Pension Service), on improving financial capability through understanding consumer's savings and borrowing decisions. Sonia has 8 years’ experience as an economic policy adviser specialising in competition and labour economics with previous roles as a civil servant in Australia, on international posting in Vietnam and conducting research and evaluation in the charity sector.

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Fiona Turner

Fiona Turner

Head of Financial Inclusion, Capability and Vulnerability at UK Finance

Fiona has 25 years banking experience spanning personal and corporate banking, payments, risk, regulatory and consumer affairs. She leads on fina...

Fiona has 25 years banking experience spanning personal and corporate banking, payments, risk, regulatory and consumer affairs. She leads on financial inclusion, capability and vulnerability policy at UK Finance and works with Members to deliver positive change which improves the experience for the most vulnerable members of our society. An advocate for inclusive design, she led the development of the first accessible debit card and the vulnerable customer response to the COVID19 pandemic. She was a Commissioner on the Extra Costs Commission, an independent enquiry into the extra costs incurred by disabled people.  She is a Fellow of the RSA, and an alumni of the University of Cambridge, Institute for Sustainability Leadership Programme.

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Martese Carton

Martese Carton

Director of Mortgage Distribution, Leeds Building Society

Martese has worked for Leeds Building Society for 6 years and started as Head of Intermediary Distribution. Her previous roles included Senior Corpora...

Martese has worked for Leeds Building Society for 6 years and started as Head of Intermediary Distribution. Her previous roles included Senior Corporate Account Manager at NatWest/RBS and Halifax Group and she has worked in the Intermediary Mortgage market for over 25 years.

Recently promoted to Director of Mortgage Distribution, Martese is responsible for the development, implementation and operation of the Society’s mortgage distribution strategy across both intermediated and direct distribution approaches.

Leading a team of circa 100 colleagues, Martese is passionate about embedding the Society’s culture, reward and talent management strategies to ensure that a positive, supportive an achieving culture is sustained.

Martese’s role is commercially driven, however there is a strong emphasis on the management of conduct risk, reputational risk and financial crime with the appropriate consideration of risk and reward dynamic

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Cameron Joe

Cameron Joe

Allica

Chris Carberry

Chris Carberry

Smart Solutions Director, Scottish Power

Chris Norris

Chris Norris

Policy Director , NRLA

Dan Wilson Craw

Dan Wilson Craw

Deputy Director, Generation Rent

Erika Moreira

Erika Moreira

Head of Mortgages Sustainability, Barclays

Paul Saroya

Paul Saroya

Business Principal , Viva Retirement Solutions

Paula Hughes

Paula Hughes

Corporate Development Director, Key Retirement Group

Paula joined Key Retirement Group in October 2017 bringing 26 years' experience in the financial services sector. Paula is responsible for growing the...

Paula joined Key Retirement Group in October 2017 bringing 26 years' experience in the financial services sector. Paula is responsible for growing the market by helping large corporate partners such as banks and building societies enter later life lending. Within the Group, she ensures partners can access compelling propositions that fit with their business needs as well as managing and developing existing large client relationships with life companies and banks. Prior to joining Key Group, Paula worked for Legal & General, holding a number of senior management roles across both the investment arm and life assurance society. She also holds an advanced diploma in financial planning as well as CeMAP.

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Russell Warwick

Russell Warwick

Group Distribution Strategy Director, Key Group

Mortgage member CEOs, CCOs COOs, MDs, Senior Managers, Analysts, Directors, Heads of the following functions:
 

  • Account Management
  • Advised Mortgages
  • Application Fraud & Property Risk
  • BTL
  • Client Reporting
  • Collections
  • Commercial Development
  • Compliance
  • MLRO
  • Regulation
  • Corporate Accounts
  • Credit Policy
  • Customer Acquisitions
  • Customer Services
  • Debt Advice & Credit
  • Direct Channels
  • Distribution
  • Financial Risk
  • Change Controls & Governance
  • FinTech
  • Home Buying Journeys
  • Insight
  • Intermediaries
  • Internal Audit
  • IT
  • Legal
  • Commercial & Products
  • Secured Regulated Lending
  • Lender Relationships
  • Lending & Savings
  • Lending Development
  • Support Services
  • Litigation and Debt Recovery
  • Property & Management
  • Marketing, Products & Savings
  • Model Risk
  • Mortgage Debt Management
  • Mortgage Distribution – Retail Finance
  • Mortgage Operations
  • Mortgage Products
  • Mortgage Risk
  • Mortgage Sales
  • Mortgage Strategy
  • Support
  • Servicing
  • Social Housing
  • Underwriting
  • Strategy
  • Technology
  • Surveyors
  • Valuations