With over 30 years in financial services, Steve Carruthers has a wealth of experience working with large high street banks, new challenger banks and in the building society sector. In recent years Steve has developed particular expertise in the UK intermediary mortgage market in both lending and distribution. He joined Iress in February 2019 in the Lending division. A well-known industry figure, Steve is also a regular speaker at events and media columnist. Steve is an avid runner, cyclist and single malt enthusiast.

Matthew joined UK Finance's mortgages team in 2018. He leads on legal and conveyancing issues during the home buying and selling process, new build and leasehold concerns, issues affecting the valuation of property, mortgage-specific fraud and low-cost home ownership.

He has worked in financial services policy and public affairs for several years, firstly at the ABI and more recently at a major general insurer. Matthew began his career in politics, working at a local authority and as a researcher in Parliament.

Kate studied German at Durham University and started her career in local government, following which she moved to the Building Societies Association/Council of Mortgage Lenders where she worked on a wide range of policy matters at both UK and European level.  When the BSA and CML split in 1996, she stayed with the CML as Senior Policy Adviser and became the CML’s specialist on mortgage regulation.

Since leaving the CML at the end of 2008, Kate has worked freelance for a number of trade associations, and served for 6 years as a non-executive Director at Darlington Building Society.  She succeeded Peter Williams as IMLA’s Executive Director in January 2018.

Robert helped establish the Association of Mortgage Intermediaries (AMI) as an independent entity on 1 February 2012. Robert joined the former parent trade body, AIFA, in October 2006, initially looking after the Association of Finance Brokers and since 2008, AMI.  He lobbies government, regulators and other policy-makers, liaising with fellow trade bodies and briefing the national and trade press.

He brings a wealth of industry experience to the trade body having held a number of front line sales roles in personal, private and corporate banking combined with experience in marketing, training and internal audit with both HSBC and Santander.

Robert served five years as a non-executive director of the Buckinghamshire Building Society, is now a non-executive director of the Darlington Building Society and advises the Bank of England as a member of the Residential Property Forum.