What are the Change Makers?
Launched in 2022, Change Makers recognises brilliant individuals who are delivering either diversity & inclusion or sustainability initiatives to make our industry fairer, more balanced, or more environmentally conscious. An initiative will be beyond the regular day-to-day role and will provide positive change for their business, customers, or the wider industry.
There is no list of finalists or one eventual winner. We are seeking to showcase individuals who can demonstrate that they have developed an initiative within their business or the wider industry in the last 12 months, they will be recognised at The British Mortgage Awards on 2nd July 2026.
The impact of an initiative may be relatively small, or it could have a far-reaching impact across a significant part of the market. The impact of the initiative will be reviewed comparably to the size of the business to ensure that individuals from all size of business can demonstrate the good work being done.
Our Change Makers will have shown evidence of how they contribute to limiting climate change or have promoted the green agenda, or they may have programmes or policies to encourage inclusivity and the representation of diverse groups across gender, race and ethnicity, ability and disability, religion, culture, age and sexual orientation, both within their own business and also within the advice process and client engagement.
Nominations for Change Makers are now open and will close on Friday 12th June 2026.
We have to contribute towards creating an environment in all companies where people can be their true selves and to showcase trailblazers so they can become role models and inspire the next generation of diversity.
We need to attract more people of all gender, race, ethnicity and minority groups to the market and improve their mobility within the market. Of equal importance is our contribution to reaching carbon neutrality by 2050 and keeping global warming below +1.5 °C. There is a reality that over 20% of all carbon emissions in the UK are generated from UK housing and we have a significant part to play in improving sustainability.
There will be no single outright winner for the Change Makers, we want to give recognition to all individuals who can demonstrate that they have developed an initiative within their business or the wider industry in the last 12 months.
Nominations
You can nominate yourself or an individual, all we need is 3 reasons why they deserve to win, the nomination must relate to a sustainability or a diversity & inclusion initiative they have undertaken in the last year.
Please provide details of the sustainability or diversity & inclusion initiative(s) the nominee has delivered in the last 12 months which has made a positive contribution to your business, your customers, or the wider market by way of improving policy and standards, customer care, environmental awareness, or diversity & inclusion.
Some examples may include:
-Reducing the carbon footprint of your business
-Offsetting carbon emissions with tree planting
-Offering bespoke services to ensure accessibility for all customers from any minority group (e.g. physically disabled, neurodiverse, vulnerable)
-Policies to encourage and support greater diversity in the workforce
-Flexible working patterns to promote fair support for all (e.g. Returning to work after maternity leave, mobility or disability, menopause)
Shortlisting
If you have self-nominated, we will be in touch once your application has been approved to request a headshot from you.
Please email neve.mcmahon@ae3media.co.uk if you need any support or have any questions.
All Change Makers will be recognised at The British Mortgage Awards on 2nd July 2026.
Change Maker nominations have now closed.
Jason Berry is one of the most recognised and respected figures in the UK mortgage industry, with more than 35 years of experience spanning advisory, specialist lending, insurance and distribution.
He is currently group sales director at Crystal Specialist Finance, where he has played a pivotal role in the company’s award-winning growth and market leadership since joining in 2020.
Before Crystal, Jason held senior leadership positions at Platform Home Loans and Uinsure, building a reputation for driving commercial success, developing high-performing teams and creating strong industry partnerships.
Alongside his commercial career, Jason is co-founder of the Mortgage Industry Mental Health Charter (MIMHC), a not-for-profit foundation dedicated to improving mental health and wellbeing across the mortgage sector. Since its launch, MIMHC has grown to more than 400 signatory firms, reaching over 30,000 industry professionals and raising in excess of £150,000 to support wellbeing initiatives.
In 2025, Jason was appointed to the board of the Association of Mortgage Intermediaries, further recognising his commitment to shaping a stronger, healthier and more sustainable future for the mortgage profession.
With more than 24 years’ experience in the intermediary mortgage sector, Tracie Burton is a senior corporate account manager at HSBC UK, leading the high value mortgage team and working closely with key industry partners across the UK.
Alongside her corporate role, Tracie is passionate about driving positive change across the mortgage industry, particularly in diversity and inclusion and supporting those entering the industry for the first time. She is actively involved in initiatives that encourage greater representation, collaboration and engagement across financial services, helping people feel welcomed, supported and able to thrive within the sector.
Tracie also supports HSBC UK’s Intermediary Sustainability Action Group and is committed to helping create a more inclusive, balanced and future-focused industry for both colleagues and customers alike.
With 27 years of dedicated service at Lloyds Banking Group, Rachel is a seasoned banking professional passionate about transforming the intermediated housing and mortgage market. Her expertise spans sustainability, residential, new build and affordable housing, where she has consistently driven success through innovative solutions and strategic stakeholder management.
Gurpreet Chahal is regional sales manager for Accord Mortgages, where he leads a team of 11 business development managers.
He is also the co‑founder of South Asian Mortgage Professionals & Allies Network (SAMPAN), an initiative established to address under representation, create role models and drive meaningful change across the mortgage industry through inclusion, allyship and collaboration.
Alongside this, Gurpreet is a member of the Working in Mortgages (WIM) Steering Committee and the Diversity in Finance Forum (DIFF) Steering Committee, reflecting a strong personal commitment to advancing diversity, equity and inclusion across the industry.
Stephanie joined the Association of Mortgage Intermediaries (AMI) as chief executive in February 2025, having held previous roles within key distributors spanning 27 years.
Most recently, she was group partnerships & propositions director at Sesame Bankhall Group and previously director of mortgages at specialist distributor Positive Lending, and head of mortgages & insurance at Mortgage Intelligence.
Throughout her career working across the intermediary sector, Stephanie has been a passionate promoter of the need for, and value of, advice.
Jana is a mortgage broker and director at BTJ Mortgages with over 13 years of experience helping people navigate the UK property market with confidence. Originally from Latvia, she understands firsthand the challenges that international clients can face when building a life in a new country and navigating an unfamiliar financial system. This has inspired her passion for supporting foreign and international customers, making the mortgage process feel more approachable, transparent and less overwhelming.
Jana is committed to building trust, breaking barriers and creating a supportive, people-first experience where every client feels understood and empowered.
With over two decades of experience in financial services, Hazvi has developed a strong reputation for guiding individuals, families, and businesses through the complexities of property acquisition with clarity, integrity, and confidence. Her journey is a testament to resilience, determination, and the belief that opportunity can be created through knowledge and persistence.
Hazvi is the author of Building Property Wealth Without Privilege, a practical and empowering book that challenges the notion that property investment is only accessible to a select few. Drawing from real-life experience, she provides readers with actionable insights, strategies, and the mindset needed to build wealth through property, regardless of their starting point.
Beyond her professional achievements, Hazvi is deeply committed to community work. She is actively involved in charity work through Kura for Young People CIC and is passionate about mentoring young people, particularly migrant children and young people from marginalised backgrounds by helping them build confidence, ambition, and a sense of direction. Her work as a community leader reflects her dedication to giving back and creating pathways for others to succeed.
Angelika Christian is a strategic partnerships & propositions manager at Accord Mortgages, the intermediary arm of Yorkshire Building Society.
She works closely with key lending partners, including mortgage clubs and networks, as well as internal stakeholders to shape propositions, drive improvements and ensure customer and intermediary needs remain at the heart of decision-making.
Angelika joined Yorkshire Building Society at the age of 22 as a cashier and progressed through a variety of roles, gaining experience in customer service, savings, mortgages and relationship management.
Five years ago, Angelika moved into the intermediary side of the business, where she continued to develop her industry knowledge and expertise as a BDM, before moving into her current strategic role.
Passionate about learning and development, Angelika understands how daunting it can be to navigate your career when you are unsure what direction to take. Having joined without a financial services background or clear career plan, she benefited from the support, encouragement and guidance of others. She hopes to share her experiences and demonstrate that careers are rarely linear, and that being open to new opportunities can lead to unexpected and rewarding paths.
Gemma’s role as national housing development manager at Lloyds Banking Group sees her manage the retail relationship with the UK’s largest housebuilders, supporting Lloyd’s housing strategy in the new build space, deepening relationships with housebuilders, mortgage brokers, government and industry bodies.
She is passionate about collaboration across the housing sector, playing an active role in shaping practical solutions to help more customers own quality, sustainable new build homes.
Prior to this, Gemma spent eight years as intermediary proposition manager for Nationwide and The Mortgage Works, driving propositional change impacting mortgage intermediaries.
She has over 20 years’ experience in the industry, having previously held roles as area manager for Nationwide, Connells and Countrywide, and as a business development manager. She holds a degree in financial services.
Gemma is passionate about driving positive change in the industry and plays an active role in the D&I space, working closely with others in the industry as a steering committee member of Working in Mortgages.
Rob started his career as a mortgage adviser, leading to being a founder and investor in numerous broking businesses. He led the acquisition of Stonebridge in 2015 and became chief executive in 2019. Previous roles include UK managing director of Virgin Money, director at West Bromwich Building Society, and founder of Mortgageforce.
Rob pioneered professional standards as an inaugural director of the Mortgage Code Compliance Board, and deputy chairman of AMI. He currently advises the Financial Conduct Authority, in his fourth year as a member of the FCA’s Smaller Business Practitioner Panel: the only representative from the mortgage advice sector.
He has achieved numerous industry accolades including Mortgage Personality of the Year, Mortgage Strategist of the Year, and Change Maker in both 2025 and 2026. Rob was also recognised by the industry as ‘Network Business Leader’, for the third time, at the 2025 British Mortgage Awards.
Louise has worked in the financial services sector for over 34 years, operating at executive level across a variety of disciplines. She is the managing director of the retail protection business at Zurich and joined in December 2020. She was appointed to a newly created role to bring together the various business functions and drive an end-to-end focused retail protection business.
She is known for her straight talk on all matters protection and her passion for the sector, having won numerous industry accolades.
Louise is hugely passionate about supporting talented women to better manage their personal development and actively shape their future careers. In her spare time, Louise offers executive coaching and is an associate certified coach with the International Coaching Federation (ICF).
She is an executive board director of the Zurich Global Employees Benefit Solution business.
Gemma Cuff is the founder of Gemstone Mortgages, a Colchester-based brokerage established in 2016. With a strong background in property and financial services, she set out to create a more personal and supportive mortgage experience, placing clients at the heart of every decision. Under her leadership, the business has grown into a successful, all-female team dedicated to guiding clients through every stage of their mortgage journey, with a strong belief that her team sits at the very centre of the company’s success and values.
Phil Daffern has more than 20 years’ experience across lending, intermediary support, technology, and business development.
Having worked in roles spanning mortgage advice, underwriting, operations, proposition development, and corporate partnerships, he brings a unique end-to-end perspective to the mortgage market. At SimplyBiz Mortgages, Phil works closely with lenders and providers to deliver strategic initiatives that support member firms and improve customer outcomes.
He also works with universities, challenging students’ perceptions of the mortgage industry and encouraging the next generation of talent to explore careers within financial services.
Rachel Eason-Whale is a transformational leader in the financial services industry, recognised for her unwavering commitment to driving positive change and achieving exceptional outcomes.
She has over 15 years of experience at L&C and holds an executive role on the Women in Protection Network.
Rachel’s remarkable journey includes establishing the customer care function at L&C in 2017, leading the retention and claims team, and becoming L&C’s vulnerability strategic lead.
Her current role as head of impact and inclusion showcases her dedication to shaping a more equitable and inclusive industry. She leads key initiatives in diversity, equity, inclusion, customer vulnerability, sustainability, wellbeing and community impact.
Her outstanding contributions were celebrated in 2025 where she was recognised as a Mortgage Solutions Change Maker and Trailblazer of the year by Barclays. This year, she won Diversity, Equity and Inclusion Champion of the Year 2026 at the Cover Women in Protection and Health Awards.
As a trusted voice for customers, colleagues, and industry peers, Rachel’s work bridges the gaps between business priorities and human impact. She inspires others to champion positive outcomes and collaborates for a better future where everyone can truly thrive.
Lucy is the senior compliance coach at New Leaf Distribution and alongside this, is an ambassador for Women in New Leaf.
Lucy is very passionate about both these roles and organises and leads the women’s events, creating spaces for connection, development and collaboration.
With almost 25 years’ experience in the mortgage and protection industry, Natalie Ellis, director of Steel City Mortgages, has built a successful career defined by expertise, resilience and a strong commitment to customer relationships.
Based in Sheffield but supporting customers across the UK, the award-winning firm combines expert, tailored advice with a genuinely personal approach, guiding customers through every stage of their homeownership journey. Alongside delivering outstanding customer outcomes, the business is deeply rooted in its local community, supporting charities and organisations across Sheffield.
After progressing through senior industry roles and gaining extensive experience within a Stonebridge appointed representative firm, Natalie founded Steel City Mortgages in 2023, turning her vision for a trusted, relationship-led brokerage into an award-winning business.
Under her leadership, Steel City Mortgages was named Best Mortgage Broker (Under 10 Advisers) at the What Mortgage Awards 2026. Natalie was also named a Mortgage Introducer Elite Woman 2026 and Change Maker 2026, recognising her professional success and positive contribution to the industry.
Natalie considers building and growing the business while raising her daughters as a single mum her greatest achievement, an experience that has shaped the determination and ambition behind her career.
Atlyn Forde is an inclusion consultant, speaker and co-founder of the Black Mortgage Professionals and Allies Network (BMPAN). Alongside her contracted role as inclusion strategist at Pepper Money, Atlyn works with other financial services organisations to build more inclusive workplace cultures, improve representation and create equitable career pathways.
Through industry partnerships, events and strategic inclusion initiatives, Atlyn is helping drive meaningful change across the mortgage sector.
Kate is an award-winning mortgage adviser renowned for her friendly and approachable style, delivering clear and impactful advice. With a deep commitment to empowering others, she not only supports her clients through every step of the mortgage process but also passionately mentors fellow advisers, helping them to flourish in their careers.
As the founder of the Mortgages for Women community, Kate has created a powerful platform dedicated to educating, supporting, and empowering women in the mortgage industry. Her mission is to instil confidence and inspire success among women, making a significant impact as a leader in the field.
As Group Head of Sustainability, Karina leads the development and implementation of the company’s environmental, social, and governance (ESG) strategy, ensuring alignment with both business objectives and core values. She brings years of experience in change and project management, with a proven track record of leveraging digital transformation to improve operational performance.
Nicola Goldie is an award-winning leader in financial services and head of strategic partnerships & growth at Aldermore. With deep expertise in the mortgage industry and a career spanning over two decades, Nicola has helped shape strategic growth, broker relationships, and inclusive culture across the sector.
She is the deputy chair of the Intermediary Mortgage Lenders Association (IMLA) and chair of Working in Mortgages, where she leads initiatives focused on talent development, industry collaboration, and driving positive change.
Named Women of the Year at Aldermore, Nicola is a passionate advocate for diversity, equity, and inclusion. She is known for her strategic vision, authentic leadership, and ability to build impactful partnerships that unlock growth and drive innovation in the mortgage space.
Sabrina has been in financial services for the last six years.
She completed her CeMAP to become a mortgage adviser and has experience as a mortgage and protection paraplanner for a broker firm.
She joined AMI as a senior policy adviser in September 2024 and is the new project lead for the Working in Mortgages initiative. Other key areas of focus include the Financial Ombudsman Scheme, the second charge market and the FCA’s Mortgage Rule Review.
Aleka Gutzmore is a financial empowerment advocate, community builder, mortgage intermediary broker and co-founder of The Black Mortgage Professionals and Allies Network (BMPAN) — an initiative dedicated to driving inclusive, equal, and equitable change across the mortgage industry.
Passionate about creating spaces where people feel seen, heard, and empowered, Aleka brings together conversations about money, equality, faith and community in a way that is warm, accessible and actionable.
Known for her ability to connect people and inspire meaningful dialogue, Aleka is committed to increasing representation, visibility and opportunities for underrepresented groups within financial services. Through BMPAN and her wider work, she continues to champion authentic leadership, celebrate trailblazers and encourage the next generation of diverse professionals to thrive confidently within the industry.
Ricki Hale is an award-winning senior leader in the mortgage industry, recognised for driving positive cultural change and championing inclusive leadership.
Named a Mortgage Solutions Change Maker 2025, a Top 10 Future Leader at the British LGBT Awards 2025, and included in the Pride in Finance Rising Star List 2026, Ricki is passionate about creating environments where people feel empowered to succeed.
Ricki brings a strong track record in leading hybrid mortgage advice and contact centre operations: successfully driving digital transformation, building high-performing teams, elevating customer experience, and delivering results through people-first leadership.
Mark was appointed chief executive officer of L&C in April 2024 and has over 20 years’ experience in the business, having started his career as a mortgage and protection adviser in 2003. In the interim he has built a detailed knowledge of all aspects of L&C’s market leading proposition, working across a wide range of roles including estate agency and new build in addition to the core mortgage and protection offering.
Mark became mortgage and protection advice director in 2019 before more recently taking up the position of chief operating officer, playing a key role in shaping the direction and strategy of L&C overseeing the move to a hybrid working model.
Mark is determined to develop L&C’s customer journey further to provide the very best customer experience whilst maintaining top quality advice with no broker fee charged to customers. He’s also passionate about developing an inclusive and equitable culture for L&C colleagues and to make working at L&C a career not just a job.
Caroline Hill is group chief people officer at Mortgage Advice Bureau and a member of the executive committee. She is an experienced HR and business leader with over 25 years’ experience leading people, culture and transformation strategies across financial services, professional services and regulated environments.
A chartered fellow of the CIPD, Caroline joined MAB in January 2024 and also serves as chair of the Board of Trustees of the Mortgage Advice Bureau Foundation.
Prior to joining MAB, she held senior executive roles including chief people officer at Leeds Building Society, associate partner and head of people for Audit at KPMG UK, and chief people & strategy officer at Wesleyan.
Caroline has extensive experience partnering boards and CEOs to drive cultural transformation, organisational development and business growth, and has held senior regulatory accountabilities within the financial services sector.
Bob is founder and chief executive of Paradigm Mortgage Services, Paradigm Protect and MD Paradigm Consultancy, all of which are operating divisions of AIM-listed Tatton Asset Management plc, of which Bob is an executive director.
Tatton Investment Management has grown rapidly to become the UK’s largest discretionary fund manager as part of a comprehensive Tatton Asset Management Financial Services Group. It currently manages c£26bn of client assets, places in excess of £18bn in mortgages and c£25m protection AP annually, with a market capitalisation of c£420m.
The group is also recognised for the quality of its compliance and due diligence consultancy services, which it supplies across its range of membership comprising c2500 unique IFA and mortgage broking firms.
Bob is a board member of the Society of Mortgage Professionals, and prior to founding Paradigm, Bob held a number of senior industry roles in the wealth, protection and lender markets, latterly at Santander.
Richard has worked in the intermediary market for over 30 years, holding sales management roles with Scottish Mutual and Scottish Provident and national key account roles with James Hay, Cater Allen and Santander for Intermediaries.
As managing director of mortgages at Paradigm, Richard helps to develop their Lender proposition by managing the relationships with Paradigms Lender panel – including Specialist Lenders and Equity Release providers. He is also responsible for areas such as product innovation, criteria, and technology, as well as working closely with Paradigms third-party providers and key firms.
Vikki leads the growth of L&G’s presence and influence in retail markets, shaping strategy for its distribution proposition development. She heads up market development, regional performance, business development, learning and development, optimisation, and CRM teams, spanning the entire L&G product range.
Before joining L&G, Vikki spent six years at LSL, serving as proposition director across its network brands in both the intermediated protection and mortgage markets. She led proposition development from both commercial and regulatory perspectives, while also overseeing the product governance and product desk teams.
Her wider remit included leading internal colleague engagement at LSL’s network, PRIMIS, and contributing to cross-industry forums and committees focused on diversity and inclusion, sustainability, and climate action.
Vikki’s role at LSL followed its 2018 acquisition of Personal Touch Financial Services, which she had joined in 2013. Prior to that, she spent 14 years at Endsleigh Insurance, where she built deep industry expertise through roles in sales management, business development, and product design.
Will is responsible for the operational management of the entire Brightstar Group, including Sirius Finance and Solstar Insurance. He leads on all matters financial, human resources, technology and operational. He works relentlessly to champion a proactive environment ensuring that the group operations remain resilient in an ever-changing market and driving efficiencies in its working practices.
Will’s background is steeped in politics, with more than 13 years spanning leadership and campaign roles with Brentwood Borough Council and the Conservative Party, including a year as deputy leader of the Council and chair of environment.
Outside of work he serves as a volunteer treasurer for the Old Brentwood’s Rugby Football Club (OBRFC) and a trustee for The Niall Stringer Foundation. In 2024 he launched the Pride in Finance Alliance, PIFA, aimed at increasing the representation of LGBTQ+ people in the financial services sector and creating a new allyship community.
Will is a multi-award winner with two wins at the British Mortgage Awards, two wins at the British Specialist Lending Awards and named a Mortgage Solutions Changemaker for 3 consecutive years.
Sonya Matharu-Coxill is an award-winning mortgage broker and founder of The Mortgage Atelier. She is dedicated to promoting financial well-being by simplifying complex concepts and empowering her clients in their homeownership journey by making information accessible.
Her voice resonates with her audience and in industry publications, with her influence extending to being a trusted authority in UK news and radio. Her invaluable contributions to the mortgage industry are instrumental in educating and empowering the future of homeownership for the next generation.
Siobhan Moran is a Corporate Account Manager at HSBC UK, leading the bank’s strategic relationships with key mortgage clubs and intermediary partners across the UK. With nearly 20 years’ experience in financial services , including 15 years at HSBC, she plays a central role in shaping distribution strategy, driving sustainable growth, and strengthening HSBC’s position within the intermediary market. Working closely with executive stakeholders across mortgage clubs, Siobhan provides strategic oversight on partnership development, commercial performance, and long-term market alignment. She is known for her ability to translate complex strategy into practical, high impact outcomes, ensuring HSBC UK remains a trusted partner of choice.
Holding a Law degree and an MSc in Corporate Governance from Queen’s University, Siobhan brings a strong foundation in governance, regulatory insight and commercial acumen to her role. This unique blend of expertise enables her to navigate complexity while delivering clarity and value for intermediary partners.
Beyond her corporate responsibilities, Siobhan serves as Head of Development for Women in Banking & Finance (WIBF) and Chair of WIBF NI. In this capacity, she leads strategic initiatives focused on leadership development, mentoring and advancing gender equity across financial services. She also sits on HSBC’s External Engagement Committee for the Balance ERG, championing inclusive leadership and personal excellence across the organisation.
Siobhan is driven by the belief that strong partnerships, diverse leadership, and strategic clarity are fundamental to building a resilient and forward thinking financial services industry.
Charles has over 30 years’ experience in financial services, predominantly within the UK mortgage market, where he has held a range of senior sales and distribution roles.
As director of mortgage distribution, operations and servicing at Metro Bank, he leads the end‑to‑end mortgage function, bringing together the full customer journey under one unified structure.
He has overall responsibility for both intermediary and direct channels, alongside training and competence oversight and broker communications, and has been instrumental in positioning Metro Bank as a specialist lender through a strong broker‑first approach. Charles is also a respected industry speaker and multi-award‑winning business leader.
Paul has worked in the Financial Advice industry for 27 years, and started his career with Aviva, where he become a top adviser, before managing top performing teams in the direct and corporate offerings that Aviva had. This gave Paul grounding to branch out into the whole of market advice world.
Paul set up Viva Retirement Solutions along with fellow Director Mark Lambert in 2013. Viva has grown from 2 to 19 advisers in that time and has built a strong reputation for giving best advice and service, whilst also influencing change to continually improve industry standards.
One example of this is being the originator of the newest Equity Release Council Standard – making it mandatory for all lenders to allow clients to make voluntary repayments on their plans. Viva Retirement have been recognised numerous times within its own industry, as well as being recognised as best in market from the wider industry too. Paul strives to raise the bar in whatever he does.
Lisa Stones is the owner and operations director at Mortgage 1st, an award-winning mortgage brokerage she runs alongside her husband, Jon.
Lisa plays a key role in the company’s continued year-on-year growth, leading with strong family values and a people-first culture that sits at the heart of the business.
Sarah Tucker is one of the UK mortgage industry’s most recognisable voices, regularly appearing across national television and media as a mortgage expert, commentator and industry spokesperson.
Founder and CEO of The Mortgage Mum, Sarah has built a nationwide mortgage and protection business with a team of 17 advisers, while challenging traditional ways of working within the industry and creating flexible career opportunities for women.
Alongside her role at The Mortgage Mum, Sarah is a spokesperson for HomeOwners Alliance, championing the voice of UK homeowners and buyers and helping to make the complexities of the housing and mortgage market accessible to consumers.
Sarah is also committed to helping shape the future of the housing market and is regularly involved in industry and policy discussions, including contributing to conversations at Downing Street on the challenges facing homebuyers and homeowners across the UK.
Sarah is passionate about the future of the mortgage and housing industry and the role she can play in helping to shape it, using her platform to connect consumers, industry and policymakers and ensure the right conversations lead to meaningful change.
Sidney Wager is the managing director of L&C Mortgages where he oversees the execution of the company’s strategic roadmap, spanning advice, operations, marketing, partnerships and technology.
Before L&C, Sidney held several senior leadership roles at Barclays, including head of retail distribution and director of mortgage intermediary partnerships where he led the bank’s intermediary market development business, driving strategic transformation and spearheading initiatives to modernise the intermediary lending journey.
Sidney is widely recognised across the UK mortgage industry for his strategic acumen, transformational leadership, and a proven track record in delivering meaningful change and customer-centric innovation.
He is also a passionate advocate for equity and inclusion, for which he has received industry-wide recognition for his work, including BMA Changemaker and L&G Diversity and Inclusion Champion award. He also mentors school children in underrepresented areas to give them knowledge of opportunities for their personal growth and advancement.
He is also a passionate advocate for equity and inclusion for which he has received industry-wide recognition for his work, including, BMA Changemaker and L&G Diversity and Inclusion Champion award. He also mentors school children in underrepresented areas to give them knowledge of opportunities for their personal growth and advancement.
All Change Makers will be recognised at The British Mortgage Awards 2026
