The Mortgage Conference 2023

Kim is an award-winning Senior Mortgage Broker at The Mortgage Mum. She believes a home is so much more than bricks and mortar and is passionate about providing an exacting and empowering service to her clients. With over 15 years’ experience as a small business owner she is also committed to using her voice to empower the self-employed to take control of their finances and run their businesses in an efficient and sustainable way. As a former stylist, Kim has a particular love of interiors and interest in period property and is currently renovating her own Grade II listed cottage in the countryside. She is regularly featured in consumer and industry press and is a popular podcast guest.

Jonathan has over 22 years’ experience in bringing new digital solutions to the financial services market and has worked at both large multinational corporates as well as small high growth fintech businesses.

He has authored papers on the value of financial advice as well as a white paper on the use of technology and digital channels amongst the post retirement generation. He has also been a speaker and panel attendee at a number of conferences on the use of technology and Artificial Intelligence to help engage consumers in improving their financial wellbeing.

With over 24 years’ service in Mortgage Club and 34 years at L&G, Danny is something of an industry legend. He currently heads up the Lender Relationship team.

Legal & General Mortgage Club is the largest and longest-running mortgage club in the UK. It’s involved in nearly one in five mortgages in the UK and almost one in three intermediate mortgages. It falls under Legal & General’s retail division, which covers the savings, protection, mortgage and retirement needs of 12 million retail policyholders and workplace members.

As Head of Lender Relationships, Danny leads his team to manage relationships with lenders and ensure propositions and products for the Club’s member firms suit their needs.

Danny is committed to driving change for the mortgage market and ensuring lenders and advisers have the right information and tools for business growth. He regularly uses his platform to raise awareness about issues, including the New Build area, green agenda and business standards.

Having joined Legal & General in 2012 Nick works with existing and new Strategic Partners to development Retirement Lending distribution and advice opportunities and to help those businesses broaden their customer propositions.

He has a deep understanding of delivering advice to both Retirement Mortgage and Wealth Management customers having led National Advice Distribution networks at both L&G and Aviva.

In addition to significant IFA sector and Direct to Consumer experience, Nick has worked closely with Bank and Building Society partners and understands the challenges of meeting customer needs in these sectors. Prior to his time with L&G, Nick had 18 years with Aviva.

Adam joined Activity Alliance as Chief Executive in January 2023. He has over 20 years' experience in the sport industry, much of which has been spent on creating open, accessible, and inclusive opportunities for disabled people in sport and activity. His passion lies in creating meaningful and sustained change so that everyone can access opportunities to be active. Adam has a strong focus on developing people and is a qualified coach and mentor. Away from work, you will find him either playing and coaching football, or supporting one of his six children with their sporting activities.

Vanessa has worked as an IFA for a small DA firm for 25 years, specialising in pension and retirement advice; the last 5 of which have been focussing solely on advising on later life lending.

Nadim is a fully accredited and qualified career coach and academic with over 18 years' experience in the UK higher education sector.

He has trained in person-centred, psychodynamic and solutions-focused coaching techniques and holds an MSc in Career Management and Coaching from Birkbeck College, University of London.

Nadim helps individuals develop their career, find meaning in their professional identity and achieve career success. He has coached over 1,000 undergraduates, postgraduates, professionals and executives at some of the world’s leading business schools including:

• The London Business School

• Hult Business School

• Grenoble Graduate School of Business, and

• Global University Systems.

His sector expertise includes financial services, consulting, marketing and international business.

Lee is currently part of the Financial Conduct Authority’s (FCA’s) Disclosures and Labels Advisory Group (DLAG). He also undertakes consulting work for fund management companies and discretionary fund managers on ‘environmental, social and governance’ (ESG) and issues related to sustainable finance.

In 1987, Lee started his career as a Life and Pensions Inspector for Friends Provident. He then founded the financial advice firm, Ethical Investors, in 1989, which dealt exclusively in ethical and responsible investment advice. He has also founded:

Ethical Screening – an independent ethical research company, with colleagues from Ethical Investors, in 1998 Cruelty Free Super – Australia’s first animal-friendly superannuation fund, in 2010, and

ESG Accord – which helps advice firms implement robust compliance procedures to meet sustainability preference requirements, in 2020.

In 2011 Lee was awarded an OBE for services to ethical business and finance.

View Lee's LinkedIn profile

David has been a mortgage broker for 15 years. He has built Clayhall Financial Services from a sole trader firm into one of the biggest writer firms within the Primis Mortgage Network. He’s delivered over a billion pounds of lending to his clients in the residential and buy to let space. Every client needs tailored advice from first time buyers to professional landlords, so being able to secure the best terms with market leading service time and again is how he ensures every client is a client for life.

Nic is highly experienced in implementing people centric compliance and performance management solutions focused on regulatory alignment, optimal business benefit and long term value.

Aside from his responsibilities within the marketing, sales and product strategy functions, Nic spends the good share of his time consulting on how to better manage regulatory based processes whilst improving capability, productivity and customer experience.

View Nic's LinkedIn profile

Sanjay has over 15 years’ experience in the financial services industry, working within a B2B environment with financial advisers, dominated by sales roles at all levels. The last 3.5+ years’ have been spent in the later life lending industry working for equity release lenders, currently as National Sales Manager for Standard Life Home Finance.

Sanjay has enjoyed success in his all his roles, achieving Business Development Manager of the Year at the 2020 Equity Release Awards. He continues to support financial advisers, firms, networks, service providers and clubs.

David is the Director of Retail Banking at the Financial Conduct Authority, responsible for the supervision of retail banks and building societies, banking and mortgage policy and key projects such as Access to Cash.

Prior to this role, David was the Director of Policy, with responsibility for policy development across a wide range of areas both retail and wholesale, and oversight of the FCA’s Innovation Hub. He has worked in regulation at the FCA (and its predecessor the FSA) for more than 20 years, spanning several different roles in both policy and supervision.

David is a previous chair of the G20/OECD Task Force on Financial Consumer Protection and is currently a Non-Executive Director of the Payment Systems Regulator. Prior to joining the regulator, he worked in the financial services industry.

Emma is Business Development Manager at Worksmart and has been involved in some 30 SMCR and Training and Competence systems implementations. After spending a number of years as a Mortgage and Investment Adviser in her early career, for the past 20 years she has put her experience to use in understanding the challenges faced by Financial Services firms and providing solutions that deliver real business benefit.

Having started out her career as a mortgage advisor before working for a mortgage lender within business development, national accounts and new build, Rachael has a decade of experience working in the mortgage intermediary sector.

Her recent move to the Green Finance Institute sees her combining her passion for sustainability with her career. Rachael is responsible for the GFI’s Green Mortgage Campaign as part of their Built Environment Programme and is working to create a green mortgage market which is scalable and plays a significant role in improving the energy efficiency of UK housing stock.

With a background in mortgage and equity release advice as well as regional sales, Hazel has now stepped into the insurance arena with a passion for helping advisers provide robust resilience planning to their customers. Having been a student with the London Institute of Banking and Finance (LIBF) for CeMap, CeRer and DipFa, Hazel has first-hand experience on how to develop into a successful adviser following completion of your qualifications.

Riz is a seasoned financial professional and an appointed representative of New Leaf Distribution. Riz has over 20 years of industry experience and has become a trusted adviser to clients seeking expert mortgage advice. He has a track record of successfully assisting clients in obtaining financing for their dream homes and investment properties. He is committed to providing his clients with the information and resources they need to make sound financial decisions.

Riz holds an economics degree as well as an MBA from Warwick Business School, and he is a LIBF-certified mortgage adviser. In his spare time, he serves as a Trustee for a six-school Academy Trust. Riz's interest in economics has led to interviews with the media about the mortgage market, including appearances on Sky News.

Sally was a busy mother of two looking for a career change when she came across The Mortgage Mum movement. She qualified as a mortgage broker in August 2020 and is now a senior broker and business manager with the firm.

Coming from a background in recruitment and property development, Sally uses her management skills and business experience to drive The Mortgage Mum brand further. She has featured on radio, TV and podcasts commenting on all aspects of the mortgage market.

Sally has always had a keen interest in property and has renovated and refurbished her own homes whilst living in the UK, Spain and the US.

With 15 years of experience across specialist and high street lenders, Phil Quinn's biggest passion is adding value to brokers. His ethos is to always help them identify new opportunities in the market and keep finding new ways to offer excellent service.

Chloe is a Senior Policy Adviser at the Association of Mortgage Intermediaries (AMI) and has over seven years’ experience in the financial advisory world, having worked in a range of business areas including compliance, marketing and paraplanning.

She is also the author of a book about the UK housing crisis called ‘Generation Rent’, published in 2020. Chloe’s current areas of focus at AMI include green mortgages and retrofit and the later life lending market – alongside broader regulatory matters such as the FCA’s new Consumer Duty.

Kay was integral to the launch of Standard Life Home Finance into the intermediary market in October 2021. Kay started her later life lending journey with Key Group but has worked in financial services for over 30 years.

The majority of that time was at Lloyds Banking Group – setting up and managing the sales team for their Intermediary Broker Operation. She has also managed the Annuities Team at Prudential and the National Sales Team for part of Towergate Group before joining Key Group in 2018.

Stuart is an award-winning and experienced later life lending speaker. An entrepreneur at heart with a deep understanding of what drives advisers, Stuart has leveraged technology, knowledge, and people to meet the needs of the growing later life lending sector. Since forming in 2007, Air has grown to add a range of complementary brands to aid advisers in gaining skills and knowledge to help their clients.

An award-winning and popular speaker, Stuart regularly speaks at industry events including the Later Life Lending Event and the National Later Life Adviser Conference and pens regular, thought-provoking articles across many trade publications.

Stuart joined as the B2B Marketing Director for Key Group in July 2014. He heads a team responsible for the marketing of a range of Key Group B2B brands including:

• more2life, one of the later life lending market’s biggest lenders, and

• Air, the platform for later life lending professionals.

Stuart has over 30 years of experience in the financial services sector, having worked well-known brands including Friends Provident, Abbey Life, Just Retirement and LV=.

He also ran his own marketing agency that specialised in helping advisers who work in the mortgage market. And he was part of a start-up team that launched fixed term annuities into the UK retirement market.

Jeff is Head of Intermediary Development at L&GI, responsible for growing the protection market across both personal and business protection.

Jeff’s been in the industry for 32 years and has experience as a mortgage broker, financial planner, sales manager, regional sales director, and business development director. He’s held several senior positions in life providers, networks, service providers, advisory firms, and corporate estate agency.

Jeff’s financial services background has a strong protection focus. He’s passionate about supporting the end consumer and advisers alike, to raise the profile of, and highlight the need for, protection particularly in protecting income.