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.
Find out more Welcome to Accord Mortgages | The intermediary only lender
Aviva, formed in 1696, is the UK’s leading diversified insurer across insurance, wealth and retirement, serving more than 19 million customers and 20,000 businesses in the UK, Ireland and Canada. Its purpose is to be with you today for a better tomorrow. Aviva’s 15,000 people protect the things that matter most to its customers: their homes and belongings, their businesses, their health and wealth, their future and their families.
Bank of Ireland for Intermediaries is focused on helping you to help more clients, with an experienced team and great service to help make your life easier.
The lender offers a range of residential and buy-to-let mortgages, plus innovative solutions including Bespoke, its personalised and flexible service for good quality complex cases. It also allows top-slicing on buy-to-let for landlords who need a more flexible approach to affordability.
Halifax wants to make life as easy as it can for intermediaries. That’s why it is committed to providing and delivering excellent products and service to you and your clients. It’s easier to do business with Halifax Intermediaries.
The lender’s product proposition includes home movers, 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 the lender’s product transfers and further advances.
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.
It aims to be present where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.
HSBC Life (UK) Limited was founded in the UK in 1988 and 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.
Its purpose is a simple yet powerful reminder of why it’s here and where it’s going. Whether individuals are saving for a better home, companies growing their business, or institutions investing for future generations, HSBC is here to understand and serve them all and 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 its intermediary partners.
Experienced field and phone business development managers and UK-based telephony Broker Helpdesk continue to provide a superior level of support that HSBC’s 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 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 provide great outcomes for customers.
Pepper Money is a broad specialist lender.
It exists to help people succeed – championing individuality, embracing difference, acting responsibly and looking for opportunities to say yes, rather than reasons to say no.
The lender understands 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 Money aims to help both parties fulfil their ambitions. It does 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 means fairer – often more generous – lending decisions are reached because the lender considers people, not credit scores.
It is easy to work with, offering direct access to a decision maker, and provides 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.
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 over 85% 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 the land registry for tenure and charge protection. From remortgages in 2022 to expanding into sale and purchase solutions in 2025, PEXA is setting a new benchmark for resilience and efficiency in the UK property sector.
Making things easier for you
Without you, Skipton Building Society for Intermediaries knows it wouldn’t be where it is today. That’s why the society provides 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. You can get practical support from your local BDM. And use the society’s online tools around the clock.
Target Group is part of the Tech Mahindra global family and specialises in digital transformation. It is a leading provider of business process servicing and operational transformation for over 30 major financial institutions across the globe. Clients include DVLA and Santander.
Its leading fintech platform manages assets of more than £25 billion, enabling clients to automate complex critical processing, servicing and administration of loans, as well as investments and insurance. It delivers a competitive advantage and enables scalable growth. Alongside loan and investment servicing and software solutions, Target leverages deep domain expertise to advise on process improvement, due diligence, and regulatory compliance.
Target systems currently process over 19 million accounts and collect £3 billion of direct debit payments each year on behalf of both private and public sector clients.
It’s on a mission to help organisations deliver the best outcomes for their customers. Creating solutions which exceed expectations and manage risk. All delivered in a slick, cost-efficient way. Target Group achieves this by combining the latest innovation with outstanding people skills. Creating customer experiences with the smarts to perform and the heart to care.
As a mutual, we couldn’t be more friendly. We’re committed to working with you to grow your business and deliver the best possible outcomes for your clients. Put simply - you matter more.
And because we don’t have shareholders, we’re able to re-invest more of our profits into the things that really matter to your clients – great service and quality products.
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