Senate
The British Mortgage and Protection Senate 2025
The British Mortgage & Protection Senate is an exclusive gathering of the most important and influential firms in the UK intermediated mortgage and protection market. The main objective of the event is for all parties of the distribution chain to discuss, learn, collaborate, and effectively manage the changing dynamics of the market. The Senate is an event for the entire intermediary channel to facilitate a consensus and drive possibilities for the future health of the mortgage and protection market.
Attendees are deliberately from those organisations that are the cornerstone of the industry, namely the institutions that are responsible for the largest volumes of mortgage & protection transactions in the country and therefore the holders of the greatest share of voice in the shaping of the current and future market.
This event is held under the Chatham House Rule. When a meeting, or part thereof, is held under the Chatham House Rule, participants are free to use the information received, but neither the identity nor the affiliation of the speaker(s), nor that of any other participant, may be revealed.
The British Mortgage & Protection Senate is strictly by invitation.
Brooklands Hotel, Weybridge
Mortgage Advice Bureau
Director, Legal & General Mortgage Club
Biography
Strategic relationships director, Sesame Bankhall Group
Stephanie has over 27 years’ experience in financial services, currently as Strategic Relationships Director for Sesame Bankhall Group.
Responsibilities include strategic management of all lender, provider and wealth partner relationships to ensure Sesame Bankhall Group offer a best of breed mortgage and protection proposition, driving forward opportunities for advisers in line with Sesame Bankhall Group business strategy.
Prior to her roles at Sesame Bankhall Group Stephanie was Head of Mortgage & Insurance at Mortgage Intelligence for 15 years and started her financial services career as a mortgage adviser for Barclays.
Sesame Bankhall Group
Mortgage Advice Bureau
Building Societies Association
Brook Financial Services
Finance Planning Group
Stonebridge
Connells Group
InPartnership
L&C Mortgages
Alexander Hall Associates
Romans
Habito
Spicerhaart Group
John Charcol
Open Property Data Association
Sesame Bankhall Group
L&C Mortgages
HL Partnership
NewLeaf
Paradigm Mortgage Services
Censeo Financial
One Mortgage System
PRIMIS Mortgage Network
Rory Joseph
Affinity Mortgages
Lifetime Group
LSL Property Services
Alexander Hall Associates
The Mortgage Shop (NI)
One 77 Mortgages
Coreco
Capricorn Financial Consultancy
Quilter
UK Finance
Legal & General Mortgage Club
LDN Finance
Spicerhaart Group
Connells Group
Chief executive, AMI
Robert helped establish the Association of Mortgage Intermediaries (AMI) as an independent entity on 1st February 2012.
Robert joined the former parent trade body, AIFA, in October 2006, initially looking after the Association of Finance Brokers (AFB) and, since 2008, AMI.
He looks after the day-to-day running of AMI and AFB by delivering member information and services, lobbying regulators and policy-makers and developing press relations.
Lifetime Connect
Stonebridge
The Mortgage Broker
Mortgage 1st
Mortgage Advice Bureau
The Mortgage Mum
The Right Mortgage
Kinleigh Folkard & Hayward
Chair’s opening remarks - Iain Cartlidge, managing director, Mortgage Solutions
09:50 – 10:20 Opening Keynote Session
During this session we’ll delve into the key considerations as we navigate through evolving political and regulatory landscapes, technological advancements, and emerging trends, paving the way for the future of our industry.
- Changes in the market from new government
- Headwinds – challenges to funding and macroeconomic outlook
- The impact of technology
Oli O’Donoghue MBE, managing director mortgages, HSBC UK
10:20 – 11:00 Keynote panel discussion
Breaking barriers and leading the mortgage finance transformation
Industry leaders’ discussion on the changes and opportunities a more diverse leadership offers the industry.
- Preparing for the next generation of leadership
- Meeting the challenges of intersectionality
- Importance of Diversity and Inclusion in driving commercial success and Innovation through gender balance
- Accelerating social mobility
- Empowering and retaining women through critical life stages
Susan Allen OBE, CEO, Yorkshire Building Society
Sian McIntyre, managing director of Barclays – Life Moments – Acquisition and Engagement
Moderated by: Oli O’Donoghue, head of mortgages, HSBC UK
Coffee and networking
11:30 – 12:20 Lightning talk series: The UK’s economic, financial and political outlook
Understand the pulse of the UK’s economic, financial, and political landscape through our lightning talk series.
Our expert speakers will deliver concise presentations, providing insightful analysis and forecasts. Following the talks, engage in an interactive Q&A session to delve deeper into the topics.
Lightning talk one: The post-general election view: navigating housing policy shifts and market impact
The impact of policy change on housing initiatives and regulations
Bolstering affordability for prospective homeowners and renters
Housing supply shortages and the drive to build
Government strategy targeting net-zero emissions in the housing sector
Lightning talk two: The housing market in 2024 and beyond: economic challenges and solutions
- The key economic indicators, trends, and forecasts
- The outlook for interest rates and the housing market
- The way ahead for consumer confidence and behaviour
Philip Shaw, chief economist, Investec
Q&A session facilitated by: Andrew Montlake, managing director, Coreco
12:20- 13:20 Unleashing mortgage innovation: the lending changes that matter
The debate will explore the state of innovation in the mortgage industry, alongside its challenges and opportunities. From regulatory influence to capital costs and customer demands, we’ll assess the factors shaping innovation and examine how lenders can break free from traditional models to deliver enlightened solutions.
Engage in the discussion, share your insights, and be part of the conversation shaping the future of mortgage lending.
- The opportunities for product differentiation and market growth
- The regulatory, financial, and operational barriers that hinder innovation in mortgage lending
- Exploring untapped opportunities to address customer need and market demands
- Examining the delicate balance between risk management while breaking new ground in mortgage products and services
Amanda Bryden, head of, Halifax Intermediaries & Scottish Widows Bank
Charlotte Harrison, CEO, Home Finance, Skipton Building Society for Intermediaries
Alison Pallett, sales director, Nottingham Building Society
Moderated by: Bharat Sagar, ambassador, Mortgage Solutions
Lunch
14:20 – 15:20 Sponsor boutique
14:20 – 14:50 Boardroom discussion one
14:55 – 15:25 Boardroom discussion two
Coffee and networking
15:55 – 16:25 Boardroom discussion three
16:30 – 17:00 Boardroom discussion four
Close of sessions
18:45 Coaches depart Brooklands for the Gala Dinner
Opening remarks - Iain Cartlidge, managing director, Mortgage Solutions
09:05-09:55 Revolutionising homebuying: what are the opportunities in the shift to a digital property market?
- What does digitalisation really mean?
- The changes that now allow digital transformation to be a realistic prospect. What barriers have been removed that prevented it being a reality in the past?
- Opportunities and benefits for brokers, lenders and the consumer?
- How digitalisation could change the shape and scope of an advice business of the future
Claire Cherrington, head of strategic and technology partnerships, Lloyds Banking Group
Cloe Atkinson, chief operating officer, Mortgage Brain
Dan Salmons, co-founder & CEO, Coadjute
Moderated by: Maria Harris, chair, Open Property Data Association
09:55-10:25 Integrating the mortgage and protection markets to avoid ‘foreseeable harm’ in a post-consumer duty world
- Splicing the protection discussion into the mortgage transaction
- Strategies to grasp the protection opportunity: procedural support to help advisers prioritise protection
- Examining successful compensation models for brokers
- Insight into how AI and technology can revolutionize the protection market
Matt Chapman, The Protection Coach
David Corbett, head of protection, Protection 1st
Vikki Jefferies, market development director, Legal & General Retail
Moderated by: Robert Sinclair, chief executive, AMI
10:30 -11:00 Boardroom discussion five
Coffee and networking
11:15 – 12:15 Sponsor boutique session
11:15 – 11:45 Boardroom discussion six
11:50 – 12:20 Boardroom discussion seven
12:25 – 12:55 Boardroom discussion eight
13:00 – 13:40 Resilience Reinvented; learn from the past to define the future
- How do we learn from previous experience to reframe opportunities of the future
- Be inspired to think differently to build an interesting business and a powerful brand
- Lessons from adventure, Innocent drinks, Uber and Vinted that define effective leadership
James Peach, CMO, performance & resilience expert
Closing remarks - Iain Cartlidge, managing director, Mortgage Solutions
Lunch - choice of an informal seated lunch or packed lunch to take away
Close of The British Mortgage and Protection Senate
Accord Mortgages is a dedicated intermediary-only lender and part of Yorkshire Building Society. They exist to help brokers look after what matters most – your clients, with both residential and buy-to-let mortgage solutions.
At Accord, you can expect a common-sense approach in everything they do, with every case for every broker. Their common-sense flexible underwriting is there to help with complex cases. They also provide direct access to underwriters with a dedicated underwriter managing your case from start to finish.
They’re always looking for innovative ways to support intermediaries and reviewing our products and offerings to ensure they’re providing the best possible service.
Accord’s knowledgeable and experienced sales team are available by phone and webchat to support you and they have a host of online tools to help you find the information you need quickly and easily.
Aviva exists to be with people when it really matters.
It helps them navigate an uncertain world and make the most of their lives through its range of flexible products and supporting services.
Aviva has been taking care of people for over 300 years. As one of the UK’s most established and trusted equity release lenders, with over 25 years’ unbroken experience, it has helped over 284,000 people release more than £11 billion.
It understands what’s important to advisers and their customers and uses its expertise to give both the best possible outcomes.
It takes a partnership. It takes Aviva.
Barclays prides itself on the quality of its people and how quickly they have adapted to overcome a host of challenges when supporting intermediary partners and borrowers.
As a lender, it has certainly not stood still over the past two years. Every decision made over this period has been geared towards improving lending policy and criteria, providing reliable service levels and facilitating a more efficient mortgage journey – all while maintaining a highly competitive product range.
At the heart of these positive changes are Barclays’ people, and the bank is delighted to be involved in events such as The Mortgage and Protection Event, where individuals throughout the mortgage market collectively meet to share ideas and insight to help the industry move forward.
We want to make life as easy as we can for intermediaries. That’s why we’re committed to providing and delivering excellent products and service to you and your clients. It’s easier to do business with Halifax Intermediaries.
Our product proposition includes Homemovers, Remortgages, Large Loans, New Build, Help to Buy and Affordable Housing. You can also secure a great new deal for your existing Halifax clients and retain their business with Halifax Product Transfers and Further Advances.
BM Solutions is dedicated to supporting intermediaries. Our competitive products and award-winning service can be accessed through our forward-thinking technology, BM Solutions Online. We aim to support the traditional sector of the Buy to Let market for landlords with small to medium sized portfolios.
Our team of experienced BDMs have consistently been there to complement our consistent and award-winning 5 star service but we don’t take things for granted. We’re continually refining our products and criteria to suit your needs so that you have everything you need to do business with BM Solutions.
Coadjute is transforming the UK property market with its innovative open data network.
The Coadjute network brings together the parties involved in a property deal, including estate agents, conveyancers, mortgage brokers, lenders, buyers and sellers.
Using Coadjute they enter a virtual deal room packed with powerful features to streamline the entire process for everyone. Whether collating property information, tracking progress, sharing messages and documents, or securely signing forms, Coadjute cuts friction and risk at every step.
The result? A faster, smoother, end-to-end digital property experience. And a better property market for everyone.
HSBC Life (UK) Limited is part of the HSBC Group, one of the world’s largest banking and financial services organisations.
HSBC Group serves more than 40 million customers worldwide through a network that covers 64 countries and territories in its geographical regions: Europe, Asia, North America, Latin America, and Middle East and North Africa.
HSBC Life (UK) Limited is a subsidiary of HSBC Bank plc and was founded in the UK in 1988.
HSBC Life (UK) Limited offers insurance services to meet protection and investment management needs. Its services and solutions are available through HSBC banking channels and selected third-parties, including financial advisers and aggregators.
HSBC is one of the world’s largest and most successful banking and financial services organisations, with a proud history of serving customers and communities for more than 150 years.
Our purpose is a simple yet powerful reminder of why we’re here and where we are going. Whether individuals are saving for a better home, companies growing their business, or institutions investing for future generations. We’re here to understand and serve them all. We’re here to open up a world of opportunity.
HSBC UK’s dedicated Intermediary mortgage channel continues to transform the broker journey through digital integration, offering flexibility and functionality to provide a high-quality service to our Intermediary partners.
Our experienced field and phone Business Development Managers and UK-based telephony Broker Helpdesk continue to provide a superior level of support that our intermediary partners have become accustomed to.
Think you know the Nottingham? You might be surprised.
Nottingham Building Society is going through an exciting period of change as it focuses on the question of what mutuality means in the modern world.
In 2024, borrowers face potentially more challenges than ever before, and the society is evolving its mortgage proposition to ensure it can really have an impact on growing homeownership and supporting borrowers.
Nottingham’s research shows that a growing number of borrowers are defined as non-standard by the industry and its new strategic goal is centred around how to better serve these underserved groups.
Key to that aim is to really understand the person behind the application and to break down the unnecessary barriers that prevent them from purchasing an affordable property.
In 2024, more than ever, the lender will be putting the borrower and brokers at the very heart of its business to ensure it continues to help providing great outcomes for customers.
One Mortgage System (OMS) is more than just a sourcing system. With features that allow you to source, check and submit mortgage applications, saving brokers time is OMS’ key goal. Other features include an audit trail, pre-population, DIPs, full two-way lender integration with a number of lenders and more.
The system allows document uploads, sourcing, KFIs, evidence of research, email and SMS updates, pre-underwriting, AVMs, credit searches and so much more to help save brokers hours of administration time.
The system has been developed by working alongside mortgage advisers and observing how they operate. This has resulted in a multi-award-winning system that has amassed over 4,000 users who in the last 12 months have submitted over 42,000 applications.
Pepper Money is a broad specialist lender. They exist to help people succeed. Championing individuality. Embracing difference. Acting responsibly. And looking for opportunities to say yes, rather than reasons to say no.
They understand that brokers have a wide range of needs, because their customers do, too. These clients may want to take the next step in their homeowning journey – or move on from a difficult financial situation. Brokers want to give them the best service, in the most efficient and profitable ways.
Pepper’s aim is to help both parties fulfil their ambitions. They do this by… Offering simple, inclusive products. Broad criteria. Competitive pricing and a positive lending attitude – so brokers are able to help more of their customers.
Taking a human approach to decision-making. So fairer – often more generous – lending decisions are reached, because we consider people, not credit scores.
Being easy to work with, through direct access to a decision maker.
And providing specialist expertise that can be relied on in a rapidly evolving marketplace.
When you keep an open mind and listen to people, everyone succeeds. That’s Pepper Money.
Scottish Widows Bank is Lloyds Banking Group’s offset mortgage provider, but it also focuses on lending to professionals and the later life market, offering its products exclusively through the intermediary market.
Over the last 12 months, the bank has taken its later life proposition further with initiatives designed to enhance its products and service.
This has included a separate range of products for large loans and later life lending along with enhancements to its interest-only policy.
Launched in 2019, its Premier Mortgage Service is built around the established expertise of its dedicated relationship managers. On hand to help you with your large loan clients, the team offers tailored, expert support, whenever you need it, however complex the needs of your clients.
For over a decade, PEXA has led the way in digital property transactions, revolutionising Australia’s housing market and facilitating secure, efficient home settlements for over 20,000 families each week. PEXA’s platform and services are used in 90% of all property transactions in Australia.
Now, it has brought its expertise to the UK, developing a bespoke solution tailored to England and Wales. Collaborating with the Bank of England, PEXA’s solution offers heightened security for funds within the banking environment and ensures lodgement with HM Land Registry for tenure and charge protection.
From remortgages in 2022 to expanding into sale and purchase solutions in Q1 2025, PEXA is setting a new benchmark for resilience and efficiency in the UK property sector.
Making Things Easier for You
Without you, we wouldn’t be where we are today. That’s why at Skipton Building Society for Intermediaries we provide a variety of services and tools designed to make things faster, easier and better for you. You can talk to real people who can make decisions. You can phone, email, web chat or video call us. You can get practical support from your local BDM and TBDM too. And use our online tools around the clock.
Our job is to make things easier for you. And we’ll do whatever we can to make that happen.
Visit our website to see the full list of ways we’re Making Things Easier for you.
Target Group is part of the Tech Mahindra global family and specialises in digital transformation.
A leading provider of business process servicing and operational transformation for over 30 major financial institutions across the globe, in the lending, customer transformation, payment, device financing and contact centre areas through our market leading propositions.
We blend FCA-regulated Business Process Services (BPS) with cutting-edge digital transformation, with a little help from our parent, global IT and innovation specialists, Tech Mahindra.
Our enhanced capabilities enable you to adapt quickly and seize opportunities. You can rely on us to accelerate your time to market with regulated solutions, giving you the competitive edge you need.
We thrive on creating value by collaborating closely with our clients to revolutionise their customer journey and operations. We’re not just service providers; we’re partners in your journey towards excellence.
As a mutual, The Exeter couldn’t be more friendly. They’re committed to working with you to grow your business and deliver the best possible outcomes for your clients. Put simply – you matter more.
Their multi award-winning proposition provides you with a range of products to meet your clients’ needs, including:
- Income protection
- Life cover
- Health insurance
To find out more about The Exeter visit www.the-exeter.com/adviser.
Susan Allen OBE, CEO, Yorkshire Building Society
Cloe Atkinson, chief operating officer, Mortgage Brain
Amanda Bryden, head of, Halifax Intermediaries & Scottish Widows Bank
Matt Chapman, protection coach
Claire Cherrington, head of strategic partnerships and technology partnerships, Lloyds Banking Group
Louise Colley, MD retail protection, Zurich
David Corbett, head of protection, Protection 1st
Mark Easton, journalist and broadcaster
Maria Harris, chair, Open Property Data Association
Charlotte Harrison, CEO – home finance, Skipton Building Society for Intermediaries
Vikki Jefferies, market development director, Legal & General Retail
Sian McIntyre, managing director of Barclays – Life Moments – Acquisition and Engagement
Andrew Montlake, managing director, Coreco
Oli O’Donoghue MBE, managing director mortgages, HSBC UK
Alison Pallett, sales director, Nottingham Building Society
James Peach, CMO, performance & resilience expert
Dan Salmons, co-founder & CEO, Coadjute
Philip Shaw, chief economist, Investec
Robert Sinclair, chief executive, AMI