Exclusive gathering of the most important new-build lenders, adviser firms, builders, housing associations and ancillaries
The British New Homes Mortgage Senate is an exclusive gathering of the most important new-build lenders, adviser firms, builders, housing associations and ancillaries to address current issues, deepen relationships, foster understanding, improve and evolve the sector. This half day conference will feature topical and thought-provoking panel debates, group discussions and workshops led by a line-up of expert speakers.
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 New Homes Mortgage Senate is strictly by invitation.
If you have any queries about registering for the event, please email david.adjei@ae3media.co.uk
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
Bank of Ireland for Intermediaries
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Bank of Ireland for Intermediaries takes every journey together with its partners. Whether your client is a first-time buyer, mover, landlord or looking to remortgage the Bank will take a common-sense approach and provide support at every stage. Its focus remains on delivering excellent service through the right people, products, and systems designed to support the intermediary community effectively.
Halifax Intermediaries
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Halifax is committed to making life easier for intermediaries. That’s why it continues to deliver excellent products and service for you and your clients—making it simpler to do business with Halifax Intermediaries.
The lender’s product proposition spans home movers, remortgages, large loans, new build, affordable housing, and now includes First Time Buyer Boost, designed to support those taking their first step onto the property ladder. You can also retain existing Halifax clients by securing great deals through product transfers and further advances.
L&G Mortgage Services
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Legal & General Mortgage Services is made up of Mortgage Club, Surveying Services and Ignite.
L&G Mortgage Club is the largest and longest-running mortgage club in the UK and is involved in nearly one in four of all mortgages in the UK, and nearly one in three of all intermediated mortgages.
Now in its 30th year, it has completed over £1.1tn of mortgages since 1995. It prides itself on providing value to members and always working closely with partners to deliver great products, pricing and services.
Surveying Services is regulated by The Royal Institution of Chartered Surveyors (RICS). With a network of over 390 qualified surveyors, LGSS provides peace of mind for homebuyers to make an informed purchase.
Ignite is a free mortgage research and sourcing platform for mortgage brokers. Designed to help advisers produce lender and product recommendations for clients, it brings together criteria, an affordability calculator, product sourcing and a property check tool within one integrated platform.
Nationwide
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Nationwide For Intermediaries is Nationwide’s award-winning intermediary mortgage business. When considering a mortgage for your client, Nationwide wants to be your first choice. Every broker will have access to a knowledgeable business development manager, helping you to grow your business.
It can help your clients by providing a range of simple, flexible products with transparent fees and five-star service.
Criteria
Supporting you and your clients
Business development managers provide support face-to-face, on the phone and via video call across the UK, keeping you up to date with:
Submitting applications
NFI Online is an online application system. It provides fast processing and case tracking to give you an efficient case experience.
The lender has also developed a mortgage API which allows remortgage and new purchase Decision in Principles (DIPs) to be created in third-party platforms.
NatWest
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NatWest can help you turn possibilities into progress for your clients, whether they’re first-time buyers, movers, landlords or those looking to product transfer or remortgage.
It provides the tools and support you need to raise the bar for them, on its dedicated intermediary website and broker portal.
Its Intermediary Support Team is on hand to support you on the phone or via live chat when you need them, to provide your clients with the very best service. Its business development managers are committed to helping you make your business successful through dedicated support.
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.
Pepper Money
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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.
Pepper understands that brokers have a wide range of needs, because its 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’s aim is to help both parties fulfil their ambitions 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 it considers 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.
Principality Building Society
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Principality Building Society is the society where home matters. So, when your customers find somewhere they love, their proactive approach to lending means they make sure the keys fall into your customers hands as quickly and smoothly as possible.
Principality Intermediaries has a proactive approach when it comes to considering a case with specific criteria needs. Its team of mortgage experts will always work towards finding a solution that best suits your customer.
Help when you need it
The Principality intermediary support team makes sure your mortgage applications run as smoothly as possible. It’s your dedicated point of contact for new business enquiries and has direct access to underwriters. Principality’s dedicated field-based business development managers are ready to support you as and when you need it. Covering England and Wales, there’s someone on hand to help.
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.
09:50 – 10:10
Building better: trends and challenges in new build housing
Nigel Cates, chief ombudsman, New Homes Ombudsman Service
10:10 – 10:30
Reform and revival – the economics of the current new build market
Richard Donnell, executive director – research, Zoopla
10:30 – 11:10
Innovating affordability – how are lenders shaping the future new build market?
Rob Barnard, intermediary relationship director, Pepper Money
Andrew Calder, strategic partnerships and propositions manager, Accord Mortgages
Jonathan Evans, senior national accounts and new build lead, Skipton Building Society for Intermediaries
Niki Willacott, innovation and national new build account manager, Principality Building Society
Moderated by: Christine Newell, mortgages technical director, Paradigm Mortgage Services
11:30 – 12:00
Roundtable discussions: building new foundations – solutions for buyers in a post Help-to-Buy market
In this collaborative session, with your current roundtables, you will delve into and deliberate alternatives for schemes that can aid first time buyers as Help-to-Buy did, both from a government and private initiative perspective. The session will highlight innovative solutions and foster discussion on how developers, lenders, and policymakers can work together to create sustainable pathways to homeownership.
12:00 – 12:15
Ideas into action: sharing solutions
Roundtable participants will now have the opportunity to share key ideas, insights, and proposals developed during their group discussions. Whether it’s a practical improvement, or a collaborative approach, this is a chance to bring your voices to the wider room.
Hosting sponsor companies:
Accord Mortgages
Bank of Ireland for Intermediaries
L&G Mortgage Services
Lloyd’s Banking Group
Nationwide
NatWest
Nottingham Building Society
Pepper Money
Principality Building Society
Skipton Building Society for Intermediaries
12:30 – 13:00
Guiding the new build sector towards decarbonisation
Richard Lankshear, programme director, Future Homes Hub
13:00 – 13:40
Bridging the gap – the broker’s role in boosting confidence and uptake in the new build market
Matthew Coulson, founder, Heron Financial
Jane Simpson, head of strategic accounts – broker, L&G Mortgage Services
John Doughty, chapter managing director, Just Mortgages
Moderated by: Gina Burrows, national housing development manager, Lloyds Banking Group
Rob Barnard has over 30 years of knowledge and experience successfully navigating the UK mortgage market.
He has developed and executed sales and marketing strategies throughout his career to drive growth and maximise retention. In his role as director of intermediary relationships, Rob is responsible for nurturing and developing key broker and distribution partners for the lender.
Rob is passionate about mortgages but, more importantly, about the people he works with in the industry. As a result, he is the host of The Specialist Podcast – a platform created to provide established and upcoming stars in the industry an opportunity to discuss everything mortgages and beyond.
Gina’s role as National Housing Development Manager at Lloyds Banking Group sees her manage the retail relationship with the UK’s largest housebuilders, a position she has held for the past year. Prior to this, she spent seven years leading the Premier team at Halifax Intermediaries and has held numerous roles within housing and mortgage services, accumulating over 25 years of experience in the industry.
Last year, Gina was honoured to receive the Woman in Management award at the Financial Reporter Women’s Awards, a testament to her dedication and hard work in the industry. She is passionate about driving positive change within the industry and actively seeks broker feedback to shape significant proposition developments that benefit both brokers and their clients. She also leads the Lloyds Banking Group intermediaries’ health & wellbeing group and works closely with other D&I working groups to create a positive and supportive workplace environment.
Andrew Calder has been with Yorkshire Building Society Group for 11 years. In his current role as Strategic Partnerships and Propositions Manager, Andrew is a member of the intermediary distribution senior leadership team. Prior to this, Andrew spent seven years as part of the Accord brand, supporting the intermediary channel.
He is responsible for managing relationships with key lending partners across the distribution landscape and plays a central role in developing propositions that drive innovation and support broker needs. His work focuses on identifying underserved client segments and driving solutions that help brokers better serve them – most recently through enhancements to Accord’s new build offering. Prior to joining Accord, Andrew spent four years in various roles within the YBS retail network across Scotland, gaining valuable experience in customer-facing operations.
Nigel Cates became the New Homes Ombudsman in September 2024.
Before joining NHOS, Nigel served as Head of Financial Support and Controls at HSBC, focusing on Supporting Customers in Financial Difficulty, Financial Crime Risk Operations, and Customer Risk Monitoring.
His tenure as Senior Ombudsman at the Financial Ombudsman Service involved guiding a team in addressing complex cases, sharpening his skills in legal frameworks and ensuring fair outcomes.
Additionally, he served as Director of the Goods and Consumer Group at the Office of Fair Trading, managing significant consumer protection investigations.
As one of the founders of Heron, which he helped set up in July 2011, Matthew is passionate about helping people build rewarding careers in financial services. He believes that Heron’s services should be accessible to all, and he is committed to leveraging technology alongside exceptional customer service to achieve this goal.
His dedication extends to building a business that is always at the forefront of the industry, ensuring that they continually adapt to the evolving needs of their customers, striving for innovation and excellence in everything they do.
Richard heads up the Research and Insight team at Zoopla. He and his team harness Zoopla’s rich data to help customers get to grips with their homes, their moves and the most important trends in the housing market.
A regular face in national media, Richard has spent his career advising businesses and the government on all aspects of the housing market. He’s best known for providing simple, insightful commentary and honest advice.
John Doughty began his career in the world of television, where he developed a passion for communication and presenting skills that continue to shine through in his professional life today.
He later transitioned into estate agency, where his drive and dedication quickly became evident. In 2010, John joined Just Mortgages as a Mortgage Broker covering the Weston-super-Mare and Taunton areas. Over the years, his commitment to excellence and consistent performance saw him rise through the ranks.
Now operating as a chapter managing director, John oversees the new build and shared ownership divisions of Just Mortgages, alongside leading half of the company’s estate agency-based mortgage business.
Known for his energetic approach and strong leadership, John has also become a recognisable face through his much-loved video series In Talks with JD, where he explores key industry topics and insights. His deep industry knowledge, coupled with a love for presenting, makes him a respected and influential figure within the business.
Jonathan has 19 years industry experience in residential, buy-to-let, and commercial lending. He spent 9 years at Lloyds Banking Group in their commercial division, where he worked as a Regional Commercial Business Manager, helping SMEs grow and succeed by being their trusted adviser.
In 2015, he joined Skipton as an Intermediary Business Development Manager, covering Scotland and the North of England, and became Senior National Accounts & New Build Lead in 2022. Jonathan is passionate about supporting mortgage advisers with his industry knowledge, raising awareness, and providing education on key market trends.
Richard is the Programme Director at the Future Homes Hub, overseeing the Future Homes Delivery Plan that brings the new homes sector together to create net zero homes and sustainable places.
Richard has built a career in innovative construction, first as a structural engineer designing complex structures in the UK, then specialising in offsite technologies before heading up the strategy function for a large steel manufacturer.
He also founded the NHBC Accepts service for Modern Methods of Construction, before moving to the Future Homes Hub. Richard is an active member of notable industry groups including the Construction Industry Council Homes Group, Construct Zero, the Future Homes Standard Implementation Board and the Industry panel of the National Homes Quality Board.
Adrian MacDiarmid has been Head of Mortgage Lender Relations for Barratt Redrow since 2008. He works with brokers, lenders and distributors to help improve products, processes and criteria in the new build sector to improve access to home ownership and the customer’s experience of buying a home.
He has 40 years’ experience in the mortgage market and was previously sales director for a new build mortgage broker.
Christine has been in financial services since 1990. She started her career at Halifax Building Society in a traditional branch set up, ending up in external sales as a BDM covering London City and West End. In 2006 she joined the national account team for BM Solutions and helped develop its sub-prime proposition for packagers.
In November 2007 she made the move to join the Paradigm Group and in 2015 became mortgage technical director. Her role involves looking after the club’s top 50 members on a consultancy basis. She is also responsible for interpreting and helping the membership implement the myriad of regulatory changes that the industry has seen over the past 18 years.
Jane Simpson is the Head of Strategic Accounts at Legal & General Mortgage Services, where she leads the Key Relationship Team and oversees day-to-day engagement with the business’s broker partners. In this role, Jane is responsible for driving growth across the broker side of L&G’s Mortgage Club, strengthening existing relationships, and uncovering new distribution opportunities.
With over 20 years of experience in the mortgage industry, Jane brings a deep understanding of broker needs and market dynamics. Prior to her current position, she served as Strategic Relationship Manager within L&G’s Mortgage Services business. Her career also includes a notable seven-year tenure as Managing Director at TBMC Cardiff, a specialist buy-to-let packager.
Jane is passionate about supporting brokers through the evolving economic landscape. She is committed to enhancing L&G’s broker proposition by delivering practical, customer-focused solutions that address real challenges in the market.
Niki is a proud member of the Principality Intermediary Team as their Innovation and National New Build Account Manager.
In this role, Niki is the go-to contact for all New Build home and affordable housing queries.
With over 30 years of experience in the Financial Services Sector, Niki has worked extensively in Mortgages as a Broker, Mortgage Advisor, and Team Manager, navigating the ever-evolving mortgage market with expertise and insight.
Specialising in the New Build mortgage sector, Niki works closely with Brokers and Industry Experts across England and Wales to support first-time buyers in achieving their dream of homeownership. By focusing on affordable housing solutions, Niki is passionate about delivering tailored mortgage options that meet the unique needs of each buyer.
