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.
09:50 – 10:30
The evolution of the consumer – changes in expectations, enablement, and innovation
Barry Connolly, managing director – home buying and ownership, NatWest
10:30 – 11:10
The UK property market – an economic overview
Max Shepherd, group economist, Yorkshire Building Society
11:40 – 12:20
Two outcomes, one common need – framing mortgages and protection together
Steve Bryan, director of distribution and marketing, The Exeter
Rhys Schofield, founder, Peak Mortgages and Protection
Toni Smith, distribution director, Sesame Bankhall Group
Andy Walton, protection proposition director, Mortgage Advice Bureau
12.20 – 12.35
FCA Update on affordability and supporting home ownership
12.35 – 12.50
Post-FCA presentation Q&A
This post-presentation Q&A will give delegates a chance to engage with the FCA on the shifting regulatory landscape and anticipated policy developments. It will also include the AMI’s chief executive Stephanie Charman, who will augment the session by talking about the work they will be doing to help advisers through current and future changes and how they are collaborating with the FCA.
Stephanie Charman, chief executive, The Association of Mortgage Intermediaries (AMI)
Moderated by: Sarah Batham, general counsel and chief risk officer, Sesame Bankhall Group
14:00 – 14:40 Sponsor boutique
14:00 – 14:30 Boardroom discussion one
14:35 – 15:05 Boardroom discussion two
15:35 – 16:05 Boardroom discussion three
16:10 – 16:40 Boardroom discussion four
18:45 Coaches depart Brooklands for the Gala Dinner
09:05 – 09:25
AI, technology and the future of the residential market
Karl Griffin, founder and CEO, JammJar
09:25 – 10:05
Finding and retaining talent – effective recruitment of a younger generation
Amanda Bryden, head of Halifax Intermediaries and Scottish Widows Bank, Lloyds Banking Group
Andrew Glasgow, sales director – specialist mortgages and bridging finance, Hampshire Trust Bank
Peter Gwilliam, owner, Virtus Search
10:10 -10:40 Boardroom discussion five
11:00 – 11:30 Boardroom discussion six
11:35 – 12:05
Closing keynote presentation
Accord Mortgages
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Accord Mortgages is a dedicated intermediary-only lender and part of Yorkshire Building Society. It exists to help brokers look after what matters most – your clients, with both residential and buy-to-let mortgage solutions.
You can expect a common-sense approach in everything Accord does, with every case for every broker. Its common-sense flexible underwriting is there to help with complex cases. It also provides direct access to underwriters with a dedicated underwriter managing your case from start to finish.
Accord is always looking for innovative ways to support intermediaries and reviewing its products and offerings to ensure it is providing the best possible service.
Accord’s knowledgeable and experienced sales team is available by phone and webchat to support you and it has 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
Halifax Intermediaries
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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.
Nottingham Building Society
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Nottingham Building Society is redefining what it means to be a modern mutual, ensuring that homeownership and financial security are accessible to more people — regardless of how they earn, save, or build their future.
For 175 years, they’ve helped millions save for their goals and supported aspiring homeowners. Today, their purpose is stronger than ever: to break down outdated barriers in the lending market and provide fair, flexible solutions for a changing world. They know life doesn’t always follow a straight path, and that’s why they’re focused on real financial solutions that support the self-employed, those with multiple income streams, and savers who don’t fit the traditional mould.
Their rebrand marks a bold step forward, driven by deep research into customer needs and the evolving landscape of work and finance. Whether that is helping a first-time buyer in their forties, the self-employed parents moving up the ladder, or the grandparents saving for their grandchildren, Nottingham Building Society is built for real life reflects the evolution of the Society’s heritage roots while staying true to its founder’s vision.
As part of this, they’re modernising their mortgage and savings propositions to ensure we remain relevant for the next 175 years — staying true to their heritage while building a more inclusive, forward-looking future.
Nottingham Building Society is a different kind of society; built to serve the real lives of the people they support.
OSB Group
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OSB Group’s proposition is delivered by our three specialist lending brands – Precise, Kent Reliance for Intermediaries and InterBay.
Precise is dedicated to helping customers with less-than-perfect credit histories or who are underserved by mainstream lenders.
Kent Reliance for Intermediaries provides handcrafted solutions to those whose complex cases may not fit high street criteria.
InterBay is an expert in delivering bespoke solutions to help brokers meet their clients’ borrowing needs.
The Group’s offering is backed up by a secure and solid retail savings model, provided by Charter Savings Bank and Kent Reliance.
Skipton Building Society for Intermediaries
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Skipton Building Society is known for its innovation, great service, and a common-sense approach to lending. Whether that’s using the latest technology to help straightforward cases fly through its system, giving you direct access to underwriters for more complex scenarios, or having a dedicated network of local BDMs and TBDMs to support you with questions and ideas.
With a clear purpose to help more people buy homes and supporting first-time buyers, Skipton listens to brokers and strives to drive meaningful change, influencing the market with solutions that truly make a difference.
Visit its website to explore products, criteria, and services designed with you and your clients in mind.
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
