The Lloyds Banking Group Housing Senate brings together senior leaders from across the housing, mortgage and property sectors to explore the current challenges and opportunities that are shaping the future of housing in the UK.
Now in its third sitting, the Senate will examine the progress made since 2024 and discuss the priorities and actions needed to deliver a more inclusive and sustainable housing system. Through expert-led discussions and collaborative debates, delegates will have the exciting opportunity to share insights, build relationships and help shape the future direction of the sector.
10.20 – 10.40
Lloyds Banking Group: Leading Through Partnership
Reflections on the progress made since previous Housing Senates and showcasing the work Lloyds has undertaken to move from strategy into delivery:
Jasjyot Singh OBE, CEO, Consumer Relationships, Lloyds Banking Group
10.40 – 11.10
Keynote – The New Housing Landscape
Pat Ritchie CBE explores the changing UK housing landscape and the choices needed to accelerate housing delivery. From government policy and investment to planning, infrastructure and industry collaboration.
Pat Ritchie CBE, Chair, Homes England
11.10 – 11.50
Mixed Stakeholder Panel
A cross-sector discussion examining what needs to change across policy, planning, finance and delivery to accelerate homebuilding and create a housing system capable of meeting the UK’s needs through to 2030.
Adam Daniels, CEO, Vistry Group
Geeta Nanda OBE, NED, Barratt Redrow, Chair, Lloyds Living, Deputy Chair, Crisis, and former CEO, MTVH
Pat Ritchie CBE, Chair, Homes England
Moderated by: Neil Jefferson, Chief Executive, Home Builders Federation
12.15 – 13.00
Workshop Session Round 1
The boardroom sessions will bring together groups of senior leaders to explore key housing challenges in greater depth, encouraging open discussion, practical problem-solving and the development of actionable recommendations that can help shape future policy and industry practice.
14.00 – 14.30
The Economy, Housing and What Comes Next
Against a backdrop of shifting interest rates, affordability pressures and changing economic conditions, Angus Armstrong, chief economic adviser at Lloyds Banking Group, provides a forward-looking perspective on the UK economy and what it means for housing.
From household finances and consumer confidence to investment and housing demand, Angus will explore the forces shaping the market, the risks and opportunities ahead, and what the changing economic outlook could mean for the decisions the housing sector needs to make next.
Angus Armstrong, chief economic adviser, Lloyds Banking Group
14.30 – 15.15
Workshop session round 2
The boardroom sessions will bring together groups of senior leaders to explore key housing challenges in greater depth, encouraging open discussion, practical problem-solving and the development of actionable recommendations that can help shape future policy and industry practice.
15.35 – 15.55
Lloyds Banking Group: Creating Hope
A session on hope, how we create hope and nurture tomorrow’s buyers, many customers feel like they don’t have a hope of buying, when they do. How is LBG going to support with taking customers on that journey and how can the sector and industry pull together to give that hope?
Esther Dijkstra, Homes Channels & Partnerships Director, Lloyds Banking Group
15.55 – 16.10
First-Time Buyers – Latest Market Aata Presentation
Insight into the UK’s first-time buyer market, exploring affordability, buyer demand and the changing profile of first-time buyers, alongside the key trends shaping their prospects for homeownership.
Richard Donnell, Executive Director, Research, Zoopla
16.10 – 16.45
Q&A Session – How Do We Unlock Home Ownership For More Buyers?
Adam Lishman, Homes Managing Director, Lloyds Banking Group
Peter Brodnicki, CEO, Mortgage Advice Bureau
Richard Donnell, Executive Director, Research, Zoopla
Paul Rickard, Chief Executive, Pocket
Moderated by: Stephanie Charman, Chief Executive, AMI
Ben Beadle is chief executive of the National Residential Landlords Association (NRLA), the UK’s largest membership organisation for private residential landlords, representing more than 115,000 members providing 1.5m homes.
A landlord himself for more than 20 years, Ben has spent his career in property and housing, holding senior positions at the Tenancy Deposit Scheme and Places for People before leading the creation of the NRLA in 2020. A familiar face across the property industry and national media, Ben works closely with government, policymakers and industry leaders on the major issues affecting landlords, investment and the private rented sector. He is a passionate advocate for responsible landlords and for creating the conditions needed to encourage investment, increase housing supply and deliver good outcomes for tenants.
Ben is now leading the NRLA’s next phase of development as it evolves its member proposition through policy influence, practical support, education, technology and services designed to help landlords operate successful and compliant rental businesses.
Zahid Bilgrami is CEO of Mortgage Brain, where he is leading the transformation of mortgage distribution through a fully integrated platform that connects brokers, lenders, and technology providers. With extensive experience in financial services, technology, and corporate strategy, he is focused on driving innovation and improving connectivity across the mortgage ecosystem.
Prior to joining Mortgage Brain, Zahid served as CEO of Defaqto, where he led a private equity-backed management buyout and successfully delivered the subsequent sale and integration of the business into Fintel. Earlier in his career, he held roles in business consulting at Andersen and in group strategy and M&A at Balfour Beatty.
A qualified ACA, Zahid also holds an MBA with distinction from London Business School.
Alongside his executive responsibilities, Zahid has a deep interest in artificial intelligence, particularly its responsible application within financial services. He is passionate about raising standards across the industry in the adoption and use of AI, helping organisations cut through the hype and focus on practical, sustainable value. As AI becomes increasingly embedded in mortgage and financial advice services, Zahid believes the industry has a responsibility to use the technology in ways that support professionals, enhance customer trust, and deliver better outcomes for consumers.
Bukky Bird is chief sustainability officer and a member of the executive committee at Barratt Redrow and also serves as a non-executive director of the British Standards Institution.
A dedicated supporter of collaboration, she is committed to ensuring Barratt Redrow plays a leading role in shaping a more sustainable future for the UK and beyond, and she works with a diverse range of stakeholders to address key industry challenges.
With a background in engineering and environmental design, Bukky has previously held leadership roles at Tesco and WSP, and has also served on the board of Notting Hill Housing Association.
Andrew Brooks is the managing director of Bewley Homes, a housebuilder developing over 450 homes a year in the South East. He started his career at Bewley in 1995, initially working in construction, before moving to the land department and becoming land director in 2002.
In 2012 he was appointed managing director and has overseen sustained growth in the company from a turnover of £25m to £140m in the last financial year. In 2012 Bewley Homes was a bespoke housebuilder with an average selling price of £1.4m but now builds a wide range of house types, including mixed schemes of two, three, four and five-bedroom houses with an average selling price of £650,000 and average site size of 85 units.
Whilst focus over the last decade has been on growth due to the ongoing market conditions, Bewley is currently restructuring the business, focusing on smaller sites and land promotions.
Peter has been the CEO of MAB since 2001, and has led the business to become one of the sector’s leading and most forward thinking mortgage broker and network, as well as the UK’s most recognised intermediary consumer brand. In May 2026 Peter listed MAB on the Main Market of the London Stock Exchange and the business has since grown to over 2200 advisers completing on over £30bn of lending PA.
Peter is responsible for company strategy, including an increasing number of investments and acquisitions, and is a big advocate of the intermediary sector, championing the importance of embracing technology to evolve the intermediary proposition to meet customers’ rapidly changing needs and expectations.
Charlie was appointed CEO of Houseful in 2018, following the company’s £2.2bn acquisition (then trading as Zoopla Property Group Ltd) by Silver Lake and Red Ventures.
Houseful is at the forefront of creating a more connected residential property market in the UK. Its trusted brands unlock the combined power of software, data and insight to drive progress in the property industry.
Houseful operates market-leading brands including Zoopla, Hometrack and Alto.
Frances Cassidy is head of strategic and technology partnerships at Lloyds Banking Group, leading initiatives that drive innovation across the intermediary mortgage market. She is passionate about shaping the future of the UK housing market, with a focus on generative AI, digital transformation, and collaborative ecosystems.
Frances joined Lloyds from Barclays UK and has held roles at Kensington Mortgages, Principality Building Society and Countrywide.
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.
David leads Lloyds Bank’s national housing business with responsibility for the social housing and housebuilding sectors. Formed in 2018, the housing team has won Residential Financier of the Year in 2019, 2020 and 2024.
David is ACIB qualified and has a first-class honours degree in financial services.
He joined Lloyds Bank in 1989, undertaking numerous roles across retail and commercial banking before joining the capital markets division in 2000.
Initial roles included the debt financing and associated risk management of both corporate and sponsor backed M&A. Subsequently, David was instrumental in the development of Lloyds Bank’s capital markets business in both the public and private debt markets where he gained a deep understanding of working with US, UK and European investors.
In January 2017, David returned to relationship banking and in July 2018 was appointed managing director, housing for the commercial banking division.
In March 2021, David was appointed executive committee member of NextGeneration, to support transparency and improve sustainability in new build housing. David is also a board director of sustainability for Housing Limited, focusing on all aspects of sustainability in social housing.
Graham is lender services relationship director for Connells Group, the largest property services and estate agency networks in the UK.
Connells Group has a branch network of over 1,200 offices trading through 88 estate agency brands plus The New Homes Group, which offers specialist mortgage services to the new homes market.
Connells Group acquired Countrywide in March 2021 (including NEXT Intelligence and Dynamo) which means the group now sells 10% of all properties within the UK and submits over £40 billion in mortgage applications a year.
After graduating from Birmingham University, Graham spent 23 years with Abbey National/Santander, holding various senior roles within marketing and retail banking before joining Connells Group in November 2016.
Tim joined the group in 2014 as the regional head of communications, before becoming group head of corporate communications in 2016. He was appointed to his current role and joined the executive committee in September 2022. Tim is responsible for the Group’s internal and external communications and public affairs. He also holds executive committee responsibility for Gladman Developments.
Tim brings significant political and industry experience, having held the roles of deputy director of communications at the Conservative Party, chief of staff to the shadow housing minister and deputy director external affairs at the HBF. He has a Law degree from University College London and is also a trustee of the Barratt Redrow Foundation.
Lucian Cook is one of the country’s most authoritative housing market commentators, having been a director in Savills much-respected research team since 2007.
As an industry figurehead he regularly presents on the UK housing markets and frequently appears on radio and television. At Savills he leads a team of 30 highly respected researchers. Collectively they cover everything from social housing to the prime markets of central London and development land to residential investment.
Ali Crossley is managing director, distribution, of Legal & General’s newly formed retail division.
Legal & General, Retail brings protection, retirement income, savings, lending and advice, fintech and mortgage businesses under one umbrella. It has over 5.5 million UK life insurance policyholders, over 1.8 million people in group protection schemes and almost 1.3 million UK term-life insurance policyholders.
Ali is responsible for leading the integration of all distribution activity, which includes intermediaries, banks, affinity and aggregator channels.
She also oversees Legal & General’s surveying business LGSS, and mortgage-related businesses, Mortgage Club and Smartr365.
Before joining Legal & General in 2019, Ali was the managing director of BGL’s affinity business, Junction.
Her other financial service roles include chief operating officer at Saga Financial Services and marketing director and director, retirement income at Prudential plc.
She’s also a non-executive director of Age UK Enterprises.
Greg is Head of Strategic Accounts – Lender at Legal & General Mortgage Services (LGMS). He co-heads the lender team at LGMS, overseeing lender relationships across the mortgage club, the Ignite technology platform, and Legal & General Surveying Services.
Greg joined Legal & General in April 2024, following a successful career in the mortgage intermediary sector. He began his career at Alexander Hall, a London-based mortgage brokerage and part of the Foxtons Group (London’s largest estate agency), joining straight from university in 2007 on a trainee mortgage adviser scheme. Greg spent several years as a mortgage adviser, becoming one of the company’s top performers, before progressing to a team leader role.
Three years later, Greg was promoted to Operations Director, where he was tasked with creating and managing a New Homes adviser department within the business. After two successful years in this role, he was appointed to the senior management team as Director of Lender Relationships and New Homes, taking responsibility for all lender relationships across the company.
In 2022, Greg joined LDN Finance, a City of London-based brokerage specialising in high net worth and specialist lending, as Chief Operating Officer. In this role, he oversaw the creation of LDN Private Clients, a sub-brand focused on HNW clients, and established a later life lending division within the business, including equity release advice. Greg also held the SMF16 (Compliance Oversight) function, carrying responsibility for the firm’s compliance oversight as part of his role.
Adam Daniels was appointed chief executive officer of Vistry Group in April 2026, following a successful leadership career across the business. As CEO, he is focused on strengthening financial performance, driving cash generation, improving open market sales and maintaining a disciplined approach to inventory to support sustainable growth.
Prior to becoming CEO, Adam served as executive chair of Vistry Group Yorkshire, North Midlands & West, overseeing 10 regions and more than 1,000 employees across England. He focused on improving profitability, strengthening long-term business performance and enhancing customer satisfaction through process improvements and cross-functional collaboration.
Adam studied Quantity Surveying and Construction Commercial Management at Nottingham Trent University. He joined Bloor Homes in 2009, moved to Galliford Try Partnerships in 2014 before joining Countryside Partnerships in 2016 to help establish its West Midlands business.
He progressed through a series of senior roles, becoming managing director of the West Midlands region and later divisional managing director responsible for multiple regions. In 2022, he led regions across the Midlands and South West, delivering strong financial performance and successfully navigating the Countryside acquisition by Vistry Group.
With extensive experience in housebuilding and partnerships, Adam has worked closely with local authorities, affordable housing providers, investors and communities. He’s also passionate about developing future talent, championing apprenticeships, skills development and opportunities for young people entering the industry.
Kathryn Dapré is a sustainability leader with over 30 years’ experience across roles in the public and private sectors and academia. She is currently head of sustainability for Cala Group Ltd, one of the UK’s major housebuilders, where she is responsible for developing and delivering its sustainability strategy. Under her tenure, Cala’s Scope 1 and 2 emissions have fallen by over 50%, and she has overseen the launch of Cala’s Urban Wildlife Strategy and Community Pledge initiatives. She is an active member of the Future Homes Hub, which brings UK housebuilders together to collaborate on key industry issues in relation to sustainability. She contributed to its sector Net-Zero Transition Plan, Environmental Metrics Toolkit, and Homes for Nature Commitment. Kathryn is also chair of the ESG Advisory Panel at Kingdom Housing Group, a social housing provider working across central and eastern Scotland.
Kate studied German at Durham University and started her career in local government, then moved to the Building Societies Association/Council of Mortgage Lenders, where she became the CML’s specialist on mortgage regulation.
Since leaving the CML in 2008, Kate has worked freelance for a number of trade associations and served for six years as a non-executive director at the Darlington Building Society.
She succeeded Peter Williams as IMLA’s executive director in January 2018.
Richard Donnell is executive director at Zoopla and one of the UK’s leading authorities on housing market dynamics and their impact on mortgage lending.
With a background spanning Savills, Hometrack and ZPG – across property risk, valuations and data analytics – he advises lenders, policymakers and investors on consumer behaviour and where the market is heading. Richard is a trusted voice on affordability, property taxation and the structural shifts that will define mortgage lending through the rest of this decade. He is a fellow of RICS.
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.
Paul Edwards is chief executive of Delta Housing, one of the largest housing associations in the East of England.
A qualified accountant and experienced housing leader, Paul spent much of his career in senior finance roles before becoming a chief executive. His experience spans treasury, investment, governance, regeneration and organisational transformation, with a strong focus on building financially resilient organisations that deliver lasting social impact.
Paul is a member of the NHF’s Finance Policy Advisory Group, contributing to sector thinking on the financial and policy environment for social housing. He is also a board member at Local Space, which helps tackle family homelessness by providing high-quality, settled homes that create foundations for successful lives.
Paul is leading the integration of CHP and Estuary Housing Association to create Delta Housing. His priorities are excellent customer service, safe and sustainable homes, strong governance and increasing the supply of affordable housing.
His personal ambition is to “be a good ancestor”, leaving a lasting legacy of affordable homes and stronger communities for future generations.
Gary brings 35 years’ experience in UK housebuilding, including almost three decades at Barratt Developments PLC.
During his time at Barratt, he held a number of senior leadership roles, most recently serving as regional managing director for London and the South East.
Gary has a proven track record of operational delivery, strategic clarity and building high-performing teams.
As CEO of untypical, he will drive forward the Group’s strategy and advance untypical’s ambition to be the UK’s most customer-centric housebuilder, delivering exceptional homes for customers and communities.
Rosemary is currently handing over to her successor after six and a half years as the chief finance officer of Platform Housing, a Midlands-based association that owns over 52,000 homes.
She is a chartered accountant (FCA, ICAEW) who trained with PWC and has worked in social housing for over 40 years. She is passionate about providing good quality housing for all.
Rosemary has been chief finance officer of three large London housing associations and has carried out change roles at organisations all over England and Scotland and supported organisations in regulatory difficulty and set up transformation programmes. Rosemary holds and has held a number of non-executive roles on the boards of housing associations, schools and not-for-profit companies. She is moving forward as a change consultant and non-executive director in the future.
Philip Fry is the third-generation member of the Fry family to run CG Fry & Son. After qualifying as a quantity surveyor and working in London, he returned to work for the family firm in 1991.
In 1997 Philip became managing director and the company has since grown to a reginal SME turning over £150,000,000 and employing around 230 direct employees, building a reputation as one of the leading quality builders in the South West.
The company carries out a mixture of development and general contracting work.
Philip has been involved in the Duchy of Cornwall Poundbury project since 1993, being the first developer chosen to carry out works in 1993, as well as Nansledan in Cornwall. From the experiences learnt at Poundbury and Nansledan the company has applied these principles to its own developments and works with other legacy landowners across the south of England such as Welborne and Mountbatten Park in Hampshire.
Nicola Golder is a senior manager within Lloyds Banking Group’s Intermediaries business, leading a diverse team responsible for events, communications, risk coordination, colleague engagement, governance support, and business management activities.
With extensive experience in stakeholder engagement and programme delivery, Nicola plays a key role in connecting colleagues, customers, brokers, and industry partners through impactful communications and events that support business objectives and strengthen relationships.
Throughout her career, Nicola has successfully delivered a wide range of high-profile initiatives, including leadership conferences, industry roundtables, broker engagement events, colleague recognition programmes, and strategic industry forums.
She is particularly passionate about creating meaningful experiences that bring people together, encourage collaboration, and drive positive change.
Nicola has been instrumental in supporting the evolution of the intermediaries proposition, including major change programmes and the transition from Halifax Intermediaries to Lloyds Intermediaries. Her work spans both strategic planning and operational delivery, balancing commercial priorities with colleague and customer needs.
Known for her collaborative leadership style, creativity, and focus on continuous improvement, Nicola is committed to simplifying processes, embracing innovation, and helping teams achieve their full potential. She is a strong advocate for colleague engagement, customer outcomes, and building a culture that enables people and businesses to thrive.
Steve Goodall is managing director of e.surv Chartered Surveyors and has more than 20 years’ leadership experience across valuation, surveying, property risk and conveyancing.
He has held senior positions at ULS Technology and Legal & General Surveying Services and has built a distinguished career within the property and mortgage sectors. At e.surv, Steve has led the business through a period of significant transformation, helping to modernise valuation practices while maintaining the professional standards and governance that underpin lender confidence.
In 2026, he was named Business Leader: Surveyor at the British Specialist Lending Awards in recognition of his contribution to the valuation and specialist lending sectors. Steve is also an honorary fellow of The Royal Institution of Chartered Surveyors (RICS).
Rob is deputy CEO at Amplius, a Midlands-based housing association formed through the merger of Longhurst Group and Grand Union in December 2024.
Amplius is one of the largest housing providers across the Midlands, East and Southeast of England, owning and managing more than 40,000 homes and delivering a range of services including care and support, specialist housing and home ownership options. It is a strategic partner with Homes England delivering around 1,000 new homes a year.
Rob originally joined Longhurst Group in 1994 and was appointed chief financial officer in 2006. He became deputy chief executive in 2015 and assumed the role of deputy chief executive at Amplius in December 2024. At Amplius, Rob has executive responsibility for finance and treasury, alongside oversight of the wider back-office functions that support the organisation’s operations and strategic delivery
Beyond his executive responsibilities, Rob is the chair of the National Housing Federation’s Finance Policy Advisory Group. He previously served as a member and chair of the Housing SORP Working Party and was a member of the Financial Reporting Council’s UK GAAP Technical Advisory Group until December 2024.
Craig Hall is director of strategic partnerships at LSL Financial Services, part of the LSL Property Services Group. Craig is responsible for the relationship management of lenders, protection and general insurance (G.I) providers and all associated New Homes partners.
Craig has 30 years’ experience in financial services, spending the first 11 years in the retail banking followed by almost 16 years at L&G in intermediary mortgage and insurance distribution, prior to joining LSL in September 2021 originally as director of new homes financial services.
Chris rejoins Crisis from Hastings Borough Council where he was head of housing and oversaw an acquisition programme which bought over 150 homes, including some homes for a Housing First service.
Before this, Chris worked for Crisis for over nine years as head of best practice and director of client services development. Before that he worked for MHCLG, Exeter City Council, The Royal Borough of Kensington and Chelsea and London Borough of Southwark in various housing and homelessness roles. His biggest achievement, aside from rejoining Crisis, was in 2011 when he finished in second place in the Inside Housing Rising Stars competition.
Maria is chair of the Open Property Data Association which she launched after chairing the Home Buying & Selling Council technology group for two years.
OPDA was set up in June 2023 to improve the homebuying experience through digitisation, trust, and interoperability of smart property data.
It is responsible for the development and adoption of open property data standards across industry and government stakeholders.
Representing OPDA’s member firms on the Smart Data Council, Digital Property Market Steering Group and other working groups, Maria promotes a customer-centric, mission-led drive for progress and fosters collaboration.
Maria also provides mortgage transformation services to lenders and tech firms through her consultancy, Digital Cat, as well as being a board adviser to FinTech North and Plotify.
Mark began his career in banking with National Westminster Bank in 1985, before becoming an independent financial adviser. Enjoying the mortgage aspect of the role, he left to become an independent mortgage broker before joining Savills PLC in 1997 as part of the launch team tasked with establishing Savills Private Finance.
Promoted to managing director in 2001, Mark oversaw a period of significant growth and diversification, expanding the business into areas including international mortgages, commercial funding, wealth management and property insurance. In 2011, he led a management buyout and successfully rebranded the business as SPF Private Clients (SPF). In 2022, SPF became part of Howden, the global insurance group.
Mark is an expert in the UK mortgage broking industry with an extensive private client network and long-established relationships with retail lenders and private banks. He specialises in high-value transactions and complex financing arrangements across both the residential and commercial property markets.
A regular commentator on the UK mortgage market, Mark is frequently quoted in the national press.
Steven Henderson joined Wheatley Group in 2013 from the European Investment Bank (EIB). He is a chartered member of the Chartered Institute of Housing and a chartered accountant. He is also a member of Business in the Community Scotland’s Leadership Board and chair of its Scotland Place Steering Group.
Steven has specialised in housing and regeneration throughout his career. At the EIB, the EU’s non-profit development bank, he was responsible for investment of £250 million of European Union Structural Funds, as well as lending activity for the bank in the UK social housing, regeneration, climate change and sustainability sectors. Prior to that, he worked in an advisory capacity supporting the work of numerous housing providers and projects in the UK and internationally.
During his time at Wheatley, the Group has raised more than £1.2bn of private and public finance, which has helped fund multi-million-pound investment programmes in existing homes and one of the UK’s most ambitious social house-building programmes.
Under his leadership, Wheatley is also ‘Making Homes and Lives Better’ for customers across 19 local authority areas in Scotland through the work of the award-winning Wheatley Foundation.
Terry Higgins is the group managing director of The New Homes Group, overseeing five new build brands within mortgage services, working closely with housebuilders, lenders, and industry organisations.
A key player in the sector, Terry has built a high-performance team that uses innovation to process high volumes of customer interaction with exceptional customer outcomes.
His team has also developed a unique platform which allows housebuilders to dual-register customers, streamlining a two-way flow of information between the broker and housebuilder.
Ian initially joined Keepmoat in 1996, staying with the business for five years.
He then gained valuable industry experience with other major housebuilders before rejoining Keepmoat in 2009 fulfilling a number of different roles including technical director and regional managing director. He was promoted to the role of divisional chairman in 2019 and then chief executive officer in 2025.
Elly is chief operating officer and deputy chief executive at Peabody Trust.
She is responsible for repairs and maintenance, neighbourhood management, tenancy services, data and customer contact across Peabody’s property portfolio, providing 108,000 homes to more than 200,000 residents.
Elly has over 25 years of experience in the housing sector, working her way up from supported housing officer to executive level roles.
Elly is the former president of the Chartered Institute of Housing, she chairs the National Housing Federation’s Knowing our Homes group and is leading the London Coalition skills initiative.
Andy’s career in housing spans more than 25 years. He is currently the group chief executive of the Hyde Group which provides housing and community services to over 250,000 people living in over 125,000 homes across the UK.
As a not-for-profit organisation Hyde specialises in supporting communities via the provision of end-to-end delivery, meaning that it’s reach extends to providing services to schools, colleges and universities, the military, blue light teams and the NHS as well as business to business services to help organisations to thrive.
During his career Andy has held positions including global managing director of real estate and housing at Lloyds Banking Group (LBG). He also spent time as the Lloyds Bank mortgage director and group head of new mortgages and managing director of The Equity Businesses. He worked with the UK Government to bring Help to Buy to market and led strategy, products and propositions to support LBG in maintaining a market leading position in key segments including first-time buyers, new build and buy-to-let.
During his time at Lloyds Andy was the CEO founder of the Housing Growth Partnership, a private equity investment fund, which supports SME housebuilders in accelerating the delivery of new homes and was a lead for diversity and inclusion. Prior to LBG Andy held a number of senior roles in leading UK brands, including Direct Line, Virgin Money, RBS, NatWest and Tesco.
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.
Shahi Islam is Homes England’s director of affordable housing and is a highly experienced senior leader in housing, regeneration, and real estate, with over 20 years of expertise spanning programme and project management, policy development, and strategic leadership.
At Homes England, Shahi leads the Social and Affordable Homes Programme. With a £27bn budget he leads national delivery, stakeholder engagement, and transformation initiatives. His career includes progressively senior roles within Homes England and the Greater London Authority, where he has shaped London and national housing policy, managed multi-billion-pound budgets, and built strong relationships across government, local authorities, and the private sector. He is also a board director at Future of London, bringing his experience in place making and the built environment to support their mission. Shahi is also a board member for the Old Oak and Park Royal Development Corporation bringing his skills in regeneration to support the growth of West London.
Neil Jefferson is chief executive of the Home Builders Federation (HBF), having joined the organisation as managing director in January 2020, before being appointed chief executive. He represents the home building industry on the board of the Construction Leadership Council and is also a board member of the Future Homes Hub, where he was a founding director in 2021.
Before joining HBF, Neil was chief operating officer at NHBC, the UK’s leading provider of new home warranties and insurance. Between 2008 and 2016, he was seconded as chief executive of the Zero Carbon Hub, leading collaboration between government and industry to deliver the UK’s ambition for zero carbon homes. He also served as managing director of the National Centre for Excellence in Housing, a joint venture between NHBC and the Building Research Establishment (BRE).
A chartered builder, Neil has more than 30 years’ experience in the housing sector with expertise spanning house building, technical standards, building regulation, sustainability and industry leadership.
Ed Lockhart is CEO of the Future Homes Hub, the organisation which brings together the partnerships needed to deliver on the new homes sector’s climate and environmental plan. Ed is also convenor of the Broadway Initiative, the organisation of business associations working with government and civil society to collaborate on the UK’s climate and environmental goals.
Previously Ed has led major government reform programmes including the Smarter Environmental Regulation Review, worked as an economic adviser in UK government, advised 15 international governments on sustainability issues, worked in the European Commission on trade issues, a New Delhi-based environmental NGO and in corporate finance in the city of London.
Craig Luttman is chief strategy officer at Lloyds Living, with responsibility for shared ownership through Pathways, ESG, and customer, brand and marketing. He also helps shape Lloyds Banking Group’s broader housing strategy and strategic housing initiatives.
Craig has nearly 30 years’ experience in housing, investment and development, with a track record of building new businesses, delivering growth and creating major partnerships. Before joining Lloyds Living in 2021, he spent 14 years at L&Q, latterly as deputy group director for development and sales.
At L&Q, Craig played a key role in growing the development pipeline to 100,000 homes, establishing its private rented sector business and expanding beyond London.
His experience includes establishing a housebuilding division, developing joint ventures with major housebuilders and the GLA, the acquisition of Gallagher Estates, and leading the joint venture with and subsequent merger of Trafford Housing Trust.
Craig is a member of the Royal Institution of Chartered Surveyors (RICS) and the Association for Project Management.
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.
Massimo has over 35 years of experience in the real estate industry and joined LSH in 2008.
He was appointed its COO in 2015 and is responsible for the day- to-day operation of the business, business performance and leading LSH’s acquisitions.
Prior to LSH, Massimo had roles at Daniel Smith (now Cluttons) and Legal & General.
He is also a chartered building surveyor, and holds an MBA, ACIOB and is an MCABE chartered building engineer.
Massimo has served as a non-executive director of Network Housing Group and King Street Housing Association.
He is an adviser to private investors and public sector authorities, exploring solutions to complex housing strategies. He is also lead adviser on the execution of the formation of a new social impact fund, specifically targeting housing.
Ed has been a senior level executive with UK-wide experience within the construction, media and advertising, airline and travel management industries. He spent 12 years at Barratt Developments in two different roles, six years as group sales director but was also an operational sales director for six years within the west London business.
He joined Persimmon Homes in July 22 as group sales director to help shape the overall sales strategy across the group primarily focussing on driving operational efficiencies, leveraging new technologies, improving sales capability, and sharing best practice and driving standardisation across the 29 regional businesses.
Donald is an experienced corporate financier with over 20 years’ experience in the social housing sector both as s senior leader and NED. He previously worked for over 15 years in investment banking in both the UK and abroad, focusing on accounting, financial modelling and FX trading.
He has been director of corporate finance for MTVH since 2008, a 57,000-unit landlord based in London with an estate covering London and the Southeast, as well as around Cambridge and the east Midlands (Nottingham and Derby).
Donald led teams to raise over £900m in the debt capital markets (bond markets and Private Placements) and over £1.0bn via bank debt. He managed ratings (A- Stable) with both Fitch Ratings and Standard and Poor’s. He also headed up ESG and sustainability initiatives to deliver tangible benefits for the delivery of the green agenda, including Ritterwald accreditation and reduced margins for achieving ESG KPIs.
MTVH is a Preferred Partner with both Homes England and the Greater London Authority delivering over 1,300 new homes in FY26, and is committed to delivering c 6,000 new homes in the next five years to support the government target of 1.5million homes in the parliament.
Andrew is a multi-award-winning finance professional with over 30 years of industry experience, starting in the mortgage industry in 1994, and co-founding Coreco in 2009. As CEO of the Coreco group, he successfully grew the company to become a well-known, dynamic brand, focussing on the overall vision, strategy, and culture of the company.
As Coreco’s media spokesperson Andrew is a go-to expert and can often be seen or heard on TV and radio as well as regularly commenting in the national, local and trade press.
Now in an expanded role with One Dome, he is also the head of One Dome Growth Partners, where as well as looking after Coreco, he heads up the One dome self-employed team and Mortgage Intelligence Network, looking to invest and help grow both self-employed brokers and AR firms in a fresh, dynamic environment.
More commonly known as “Monty” he is author of an acclaimed mortgage blog and the presenter of two well-received podcasts, and is well-known for his social media thought leadership and public speaking, passionate about financial education, mental health and D&I.
Winner of several industry awards including “Mortgage Strategist of the Year” and “Mortgage Personality of the Year”, (twice), he is also a double recipient of the “Best Press Spokesperson” and “Best Marketeer”, and a four-time winner of “Business Leader: Broker” gongs at the British Mortgage Awards.
For the past five years Andrew has proudly served as chairman of the Association of Mortgage Intermediaries, (AMI) as a cheerleader for the mortgage industry and continues to work at the coal face advising clients.
David O’Leary is executive director of the Home Builders Federation, overseeing policy and external relations, including leading on engagement with government. He joined HBF in 2013 and became a board member in 2023. He has led on a range of work, including the development of research and policy measures to address the long-term decline of SMEs in the sector and proposals for initiatives to support first-time buyers. David represented HBF in negotiations with the government on the Building Safety Self-Remediation Pledge, which was subsequently signed by more than 50 developers. He also headed up engagement with the Competition and Markets Authority through the course of its 12-month Market Study on Housebuilding during 2023/24. This work included authoring a 75-year history of the home building industry.
Before joining HBF, David held a range of roles, advising national politicians on housing and culture policy and spent time in local government where he worked on business rate reform, housing policy and government relations.
Gary is group chief executive at Abri, a housing association operating across London and the South.
In 2025, founding housing association Octavia joined the group. Abri recently announced partnership discussions with Bath based housing association Curo. Earlier this year, Abri launched its investment strategy, committing to build 20,000 new homes by 2035.
Gary also chairs the Greener Futures Partnership, a consortium of HAs working to achieve net zero for some 320,000 homes across England.
He is also a member of the National Delivery Group (NDG), which convenes the largest developing housing associations.
Graham became chief executive officer and was appointed to the board in January 2023. He was previously chief operating officer at Vistry Group, and before that worked as group finance director and subsequently chief executive officer at Galliford Try. Prior to this he was finance director at property investor and developer, Development Securities.
Graham is a chartered accountant and was a partner at EY for seven years providing audit and transaction support for listed and private clients in the real estate, hospitality, and construction industries. He is deputy chair of The Jigsaw Trust, a charity which raises awareness of autism in children and adults and was non-executive director and audit committee chair of Marshalls plc for nine years from 2017 to May 2026.
David joined Homes for Scotland (HFS) in 2024, bringing almost a decade of experience advising senior politicians in the Scottish Parliament to HFS’ influencing work across policy and regulation. Throughout 2026, he has driven HFS’ work to demand support for first-time buyers to help them get on the housing ladder, resulting in the Scottish Government’s reinstatement of its shared-equity scheme, the First Homes Fund.
His work is focused on evidencing and evaluating the impacts that Scotland’s regulatory landscape and diminishing land supply have on the delivery of new homes across all tenures. He leads on SME home builder workstream focused on securing new, innovative funding streams and planning and consenting reforms which can enable their growth, supporting their critical role the delivery of rural housing and brownfield development.
HFS represents builders of all tenures and sizes, delivering most new homes across Scotland.
Jamie is co-founder of Place Base, a consultancy offering strategic advisory services to organisations working in and around the housing industry, specialising in strategy, funding, partnerships and political engagement.
He is also chair of The Housing Forum, the only membership body which represents the whole of the housing supply chain. He has 20 years’ experience working at a senior level in the public and not-for-profit sectors at local, national and regional levels.
He has overseen the completion of affordable homes for over 150,000 people, implemented significant organisational and cultural change whilst increasing customer satisfaction and colleague engagement, personally negotiated multi-billion-pound affordable housing settlements, established a charitable foundation with a business plan to create £1bn of social value in a decade, coordinated strategy, political and media engagement for the G15 largest London housing associations and successfully launched the UK’s first publicly available database of criminal landlords.
Peter has 30 years of experience in risk management, supporting customers across retail and business portfolios through multiple economic cycles.
As head of homes credit risk at Lloyds Banking Group, he believes in helping customers feel prosperous, enabling them to enjoy their homes today while avoiding overborrowing and building long-term financial security. He is focused on automation, digitisation, and practical decision-making, Peter is passionate about making banking simpler, faster, and more certain for customers.
He enjoys reconnecting with colleagues and industry peers, building relationships, and hearing diverse perspectives.
Joe is the deputy chief executive of Midland Heart, a housing association with 34,000 homes and a simple mission to provide quality affordable housing across the Midlands.
He joined the executive in July 2013 following 15 years at PwC working in both public sector audit and advisory, and as a director in the corporate finance government and infrastructure team. As a director of PwC, he acted as lead commercial adviser on major economic, social infrastructure and public and private partnership projects for government across the UK, with a combined value of £1.5bn.
Joe is responsible for the growth strategy of Midland Heart, having delivered over 4,000 homes of new build development and stock acquisitions over the past five years, with a plan to deliver and acquire a further 3,000 by 2030. Joe is also the executive lead for finance and treasury, maintaining a sector-leading credit rating of A1 (Stable).
Joe is also responsible for corporate affairs, working closely with Government; nationally, regionally and locally. Joe is the vice-chair of the Birmingham Social Housing Partnership and is a member of the West Midlands Mayoral Housing Taskforce, having authored a report for the Mayor on pathways to accelerate housing in the region.
Joe is on the executive of the West Midlands Housing Association Partnership and recently spearheaded a new venture called Homes for the West Midlands LLP, a collaboration between regional based housing associations and the West Midlands Combined Authority to deliver additional affordable homes.
Martin is currently CEO of SimplyBiz Mortgages and Omni Mortgage Club and chairman of FIBA, with additional line management of Consumer Credit Centre. He is also executive board member of the services division of Fintel plc and was previously chairman of AMI. He has responsibility for both the day-to-day running of the businesses as well as its future strategic direction.
He has been part of several successful ventures including new start-ups, rebranding and repositioning businesses within both manufacturing and distribution during his 30+ years in the financial services industry. This has included sales, product development, marketing, credit, underwriting and claims management.
Paul Rickard is chief executive of Pocket Living, the GLA and Homes England-backed London residential developer, working across affordable, private, rented, and modular-led homes.
A chartered accountant with 25 years’ experience across real estate development, funding and investment, Paul has delivered over £4bn of debt and investment transactions and built resilient platforms for growth.
At Pocket, Paul has led entrepreneurial growth and diversification, delivered a full business turnaround, and positioned the company as a trusted partner of local and central government, sitting on a number of initiatives shaping housing policy, including the London Housing Mission Delivery Board. He also chairs Qflow, a global technology start-up using AI to track materials and waste during construction, helping the sector build it right the first time.
Paul is a chartered accountant by background, with board-level governance experience including current and former non-executive director roles.
Pat was appointed chair of Homes England on 1 May 2025 and is an experienced senior leader in economic development, housing, and property.
She was chief executive of Newcastle City Council for over eight years, where she notably secured the multi-million-pound investment deal to bring Legal & General to Newcastle’s flagship ‘Helix’ development. She led on negotiations to secure a devolution deal for the North of Tyne Mayoral Combined Authority, where she was the first head of paid service. Pat led the city’s response to the pandemic and oversaw the Newcastle COVID-19 Recovery Plan.
Pat is current chair of Newcastle University Council, and was chair of the Government Property Agency from January 2020 – 2025. She is non-executive chair of Metro Dynamics, Economic Consultancy.
She is a former chief executive of the Homes and Communities Agency (Homes England) and former deputy chief executive of the One North East Regional Development Agency. Pat has an honorary doctorate in Civil Law from Northumbria University and is a fellow of Newcastle University. She was awarded her CBE in January 2021 for services to local government and public service reform.
Scott was CEO with Linc Cymru for six years prior to leading the business into a merger with Pobl Group in 2024.
He became the group CEO of the merged business, Codi, which works across Wales, developing and managing homes, regenerating communities and providing care and support services to thousands of people.
He has accumulated over 30 years’ experience within the affordable housing sector, having led mergers, developed new group businesses, transformed business cultures, and delivered financially successful performance through affordable and private sector services.
Scott is passionate about modernising business practice through customer insight and influence to ensure service models and strategic investment mirror the dynamic requirements of society. Harnessing the scalable benefits associated with being a large RSL with the delivery of local, person-centred services, underpins his ambition.
He has served as a chair/trustee for several charities, alongside formerly holding board membership with Community Housing Cymru.
Following seven years working in consultancy and two years at Abbey National, Paul joined Eagle Star in 1997, working on product development and partnership marketing.
Following the business being taken over, he moved to join Zurich, heading up product development for motor and home insurance, before moving into the Zurich Life business in 2004.
The business transitioned to Openwork in mid-2005, by which time Paul was heading up the mortgage proposition. He has continued in this role, although the protection and general insurance proposition have been added to Paul’s responsibilities. He is accountable for delivering the very best proposition in the marketplace to Openwork’s 4,500 advisers.
Ashley Turner is an events and communications manager within Lloyds Banking Group’s Intermediaries business.
He leads the planning and delivery of colleague and intermediary communications, events and engagement activity across the division, helping connect colleagues and partners with key business priorities, product developments and strategic change initiatives.
Working closely with senior leaders and subject matter experts, Ashley is responsible for creating impactful communications, organising large-scale events and roadshows, and delivering colleague engagement campaigns that inform, motivate and inspire.
His work spans internal communications, leadership messaging, recognition programmes, colleague experience initiatives and intermediary-facing events across the UK.
Paul Turner joined NHBC as chief executive officer in September 2025. He has significant experience in the insurance and financial services sector, beginning his professional career in 1994 as an underwriter at Mercantile & General before moving to Swiss Re. Over two decades at Swiss Re, he held various senior roles in underwriting, marketing, business relations and regional leadership, including director of division global, Asia (2010–2014). In 2014, Paul joined Just Group plc. He held several executive positions, including group director of business development, managing director of lending, international and development and managing director of retail (2019–2025), where he played a key role in the company’s strategic and commercial growth.
NHBC is an independent warranty provider supporting c.70% of the new build market: As a non-profit distributing insurance company regulated by the PRA and FCA, it is the UK’s largest new home warranty company, covering 1.5m new homes. NHBC’s purpose is quality: Built right, first time, it sets and maintains high levels of construction standards for new homes built by registered builders, and provides construction quality reviews to improve the quality of new homes. Through building control services in England and Wales, it inspects new homes at key stages of construction.
Andrew Vye is executive director for customer and communities at Codi Group, the Welsh housing, care and support organisation formed through the merger of Pobl and Linc.
As a member of the group’s executive leadership team, he provides strategic direction across a portfolio of more than 24,000 homes in 15 local authority areas, alongside a substantial development programme.
Over the past five years, Andrew has played an instrumental role in two major organisational mergers, helping to shape and deliver the transformation that ultimately led to the creation of Codi Group.
Andrew leads a wide-ranging portfolio that includes repairs and maintenance, neighbourhood services, income, advice and customer wellbeing, and the end-to-end customer experience. He also has strategic responsibility for the group’s regulated care and support services, extra care schemes, supported living and student accommodation portfolio.
Andrew champions place-based delivery, regeneration, and the integration of customer voice into service design and delivery through initiatives such as the Codi Localities model, the Codi Influencers framework and the Green Careers programme – a major new skills and employment initiative designed to create pathways into sector jobs generated through Codi Group’s development and procurement activity. His expertise includes strategic leadership, stakeholder engagement, board governance, customer experience and organisational transformation.
Cath leads Thriving Investments, a niche investment management company solely focussed on the UK Living Sector, which seeks to generate strong returns for its investors alongside the delivery of social impact through creating thriving communities. Her focus is to increase funds under management alongside the delivery of social value, augmenting the existing fund management platform across high-quality affordable housing, private-rented residential and urban regeneration strategies.
Cath has over 30 years of real estate experience across private equity, fund management and investment banking. She has an MBA from INSEAD and is a member of the BPF’s Living Council, a member of RICS and trustee (and former co-chair) for the Creative Land Trust and at Reading Real Estate Foundation.
Peter has been the CEO of MAB since 2001, and has led the business to become one of the sector’s leading and most forward thinking mortgage broker and network, as well as the UK’s most recognised intermediary consumer brand. In May 2026 Peter listed MAB on the Main Market of the London Stock Exchange and the business has since grown to over 2200 advisers completing on over £30bn of lending PA.
Peter is responsible for company strategy, including an increasing number of investments and acquisitions, and is a big advocate of the intermediary sector, championing the importance of embracing technology to evolve the intermediary proposition to meet customers’ rapidly changing needs and expectations.
Robin was chair of The Crown Estate for nine years until July 2025.
He spent 25 years advising UK companies and the UK government while working for S.G. Warburg/UBS Investment Bank.
He was formerly chief executive and chairman of UK Financial Investments (UKFI), managing the government’s investments in UK banks following the 2008 financial crisis.
He qualified as a chartered accountant.
Adam Daniels was appointed chief executive officer of Vistry Group in April 2026, following a successful leadership career across the business. As CEO, he is focused on strengthening financial performance, driving cash generation, improving open market sales and maintaining a disciplined approach to inventory to support sustainable growth.
Prior to becoming CEO, Adam served as executive chair of Vistry Group Yorkshire, North Midlands & West, overseeing 10 regions and more than 1,000 employees across England. He focused on improving profitability, strengthening long-term business performance and enhancing customer satisfaction through process improvements and cross-functional collaboration.
Adam studied Quantity Surveying and Construction Commercial Management at Nottingham Trent University. He joined Bloor Homes in 2009, moved to Galliford Try Partnerships in 2014 before joining Countryside Partnerships in 2016 to help establish its West Midlands business.
He progressed through a series of senior roles, becoming managing director of the West Midlands region and later divisional managing director responsible for multiple regions. In 2022, he led regions across the Midlands and South West, delivering strong financial performance and successfully navigating the Countryside acquisition by Vistry Group.
With extensive experience in housebuilding and partnerships, Adam has worked closely with local authorities, affordable housing providers, investors and communities. He’s also passionate about developing future talent, championing apprenticeships, skills development and opportunities for young people entering the industry.
Andy Dean is the head of housing and sustainability at Lloyds Banking Group, where he leads a team of housing development managers supporting new build developers, brokers, and trade bodies. His leadership supports the group’s ambition to Help Britain Prosper by delivering affordable and sustainable homes across the UK.
Andy joined Lloyds in 2024 from Nationwide Building Society, where he spent 16 years in senior roles, most recently leading their intermediary support and new build proposition. Prior to Nationwide, Andy worked as a business development manager at Advantage Home Loans, a subsidiary of Morgan Stanley.
With over 20 years of experience in the mortgage sector, Andy is deeply committed to the growth of the new build and intermediary markets. He also served as a director on the management committee of IMLA from 2021 to 2024.
Residing on the South Coast with his wife and five children, Andy enjoys cycling and the outdoors.
Richard Donnell is executive director at Zoopla and one of the UK’s leading authorities on housing market dynamics and their impact on mortgage lending.
With a background spanning Savills, Hometrack and ZPG – across property risk, valuations and data analytics – he advises lenders, policymakers and investors on consumer behaviour and where the market is heading. Richard is a trusted voice on affordability, property taxation and the structural shifts that will define mortgage lending through the rest of this decade. He is a fellow of RICS.
Neil Jefferson is chief executive of the Home Builders Federation (HBF), having joined the organisation as managing director in January 2020, before being appointed chief executive. He represents the home building industry on the board of the Construction Leadership Council and is also a board member of the Future Homes Hub, where he was a founding director in 2021.
Before joining HBF, Neil was chief operating officer at NHBC, the UK’s leading provider of new home warranties and insurance. Between 2008 and 2016, he was seconded as chief executive of the Zero Carbon Hub, leading collaboration between government and industry to deliver the UK’s ambition for zero carbon homes. He also served as managing director of the National Centre for Excellence in Housing, a joint venture between NHBC and the Building Research Establishment (BRE).
A chartered builder, Neil has more than 30 years’ experience in the housing sector with expertise spanning house building, technical standards, building regulation, sustainability and industry leadership.
Adam Lishman joined Lloyds Banking Group in April 2026 and is managing director of homes, leading one of the UK’s largest mortgage businesses and overseeing the Group’s homes strategy and customer proposition.
Adam brings over 15 years’ experience across financial services, with a strong track record of leading large-scale consumer banking businesses and operating at executive level within multi-billion-pound organisations.
Before taking on the role of managing director, homes, Adam served as managing director of unsecured lending and CEO of MBNA, with accountability for credit cards and loans within consumer lending.
Prior to joining Lloyds Banking Group, Adam was chief customer officer at TSB Bank, where he sat on the bank’s executive committee. In this role, he oversaw key customer propositions and played an important role in shaping customer outcomes, while also leading complex operational and transformation activity across the organisation.
Earlier in his career, Adam spent more than a decade at Barclays, holding a variety of executive leadership positions. These included responsibility for current accounts and unsecured lending, alongside broader roles spanning commercial, finance, transformation and treasury within large and complex businesses.
Geeta has been a long-serving chief executive, with over 35 years’ experience in the sector, including housing associations, the private rental sector and the associated policy development arena.
She is the former chief executive officer of Metropolitan Thames Valley Housing Association and the former chair of G15, the group representing London’s largest housing associations.
Geeta is currently a non-executive director of Barratt Redrow where she chairs the sustainability committee. She also chairs Lloyds Living Pathways, a For-Profit Registered Provider (FPRP).
She is also vice chair of Crisis, the homelessness charity, and a member of the Homewards National Advisory Panel, part of the Royal Foundation’s programme to end homelessness.
Geeta obtained an OBE in 2012 for her services to social housing.
Pat was appointed chair of Homes England on 1 May 2025 and is an experienced senior leader in economic development, housing, and property.
She was chief executive of Newcastle City Council for over eight years, where she notably secured the multi-million-pound investment deal to bring Legal & General to Newcastle’s flagship ‘Helix’ development. She led on negotiations to secure a devolution deal for the North of Tyne Mayoral Combined Authority, where she was the first head of paid service. Pat led the city’s response to the pandemic and oversaw the Newcastle COVID-19 Recovery Plan.
Pat is current chair of Newcastle University Council, and was chair of the Government Property Agency from January 2020 – 2025. She is non-executive chair of Metro Dynamics, Economic Consultancy.
She is a former chief executive of the Homes and Communities Agency (Homes England) and former deputy chief executive of the One North East Regional Development Agency. Pat has an honorary doctorate in Civil Law from Northumbria University and is a fellow of Newcastle University. She was awarded her CBE in January 2021 for services to local government and public service reform.
Jas Singh OBE is CEO, Consumer, at Lloyds Banking Group.
He leads the UK’s largest retail banking and financial services business, serving 28 million customers.
His ambition is to make Lloyds the UK’s most rewarding, trusted and connected bank. To achieve this ambition, he is leading the transformation of consumer financial services by combining artificial intelligence, data and human expertise to deliver more personalised experiences, help customers achieve better financial outcomes and create value far beyond traditional banking.
Jas has spent almost two decades at Lloyds Banking Group and has held a wide range of leadership positions across the retail and commercial banking franchise. Before joining Lloyds, he worked in strategy and digital consulting in the US and Europe across a broad range of sectors.
He is passionate about widening access to financial services and ensuring innovation creates better outcomes for customers and communities. He sits on the Board of UK Finance and has supported the creation of the government’s financial inclusion strategy.
Jas was awarded an OBE for his contribution to the financial services sector during COVID-19.
Crisis
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Future Homes Hub
Website
Lloyds Living
Website
Lloyds Living is committed to being a great landlord for its customers by providing a stress-free and reliable service, delivering a high-quality rental and shared ownership experience.
Working in partnership with leading housebuilders, Lloyds Living funds the development of new homes that people want, in the places they’re needed. Environmentally responsible building materials are used wherever possible, and homes are built with energy efficiency as a priority.
By supporting the development of new homes, Lloyds Living is helping to increase the supply of rental and shared ownership housing across the UK. It works closely with its partners to accelerate housing delivery, support local investment and contribute to thriving communities.
Pathways is a shared ownership initiative designed to help more people take their first step onto the property ladder. Eligible customers can purchase a share of their home and pay rent on the remaining share, with the flexibility to buy additional shares over time and progress towards full ownership.
As a trusted landlord, Lloyds Living helps customers feel safe, secure and supported in their homes. By providing quality homes and excellent service, it helps people put down roots, build brighter futures and contribute to stronger communities across the UK.
Regeneration Brainery
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Regeneration Brainery is a social mobility programme for brilliant young minds. It’s designed to get young people from diverse, under-represented backgrounds inspired about a career in the built environment, so that the places we create are more reflective of the society we live in.
The award-winning inspirational careers programme has worked with over 7,000 young people across the UK to date, giving them unique insights into the industry through free week-long workshops, work placements, internships, mentoring opportunities and networking events.
Tusker
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Tusker, part of Lloyds Banking Group, is the UK’s leading salary sacrifice car scheme provider, with more than 17 years’ experience helping organisations offer a valuable and affordable employee benefit.
Its scheme enables employees to access a brand-new car through a fixed monthly amount that includes insurance, servicing, maintenance and tyres. More than 2.3 million employees across the UK are eligible to join a Tusker scheme through over 3,000 organisations in the public and private sectors.
Tusker works with organisations of all sizes, including Transport for London, British Airways, AstraZeneca, and Guy’s and St Thomas’ NHS Foundation Trust, helping employers enhance their benefits package, improve employee retention and support financial wellbeing.
The scheme is free for employers to set up and run and can generate National Insurance savings when employees choose electric vehicles. It tailors every scheme to meet individual business needs and offer a wide range of vehicles, from fully electric and hybrid models to petrol and diesel cars.
For over a decade, it has offset the tailpipe emissions of every vehicle on its scheme and now also includes charging emissions from electric vehicles, helping organisations support their sustainability goals while making greener driving more accessible.
