You can use the search function to find a range of UK Finance material, from consultation responses to thought leadership to blogs, or to find content on a range of topics from Capital Markets & Wholesale to Payments & Innovation.
DLA Piper, 160 Aldersgate St, Barbican London EC1A4HT United Kingdom
UK Finance are delighted to announce that the Annual Mortgage Conference will return as an in-person event on 25 April 2024.
This unmissable conference in the UK Finance events calendar will begin with an opening keynote, followed by a full agenda of discussion panels and presentations.
Appealing to a broad audience, the UK Finance mortgage conference is recognised as the key event for exploring and learning about the vital role the mortgage industry plays in delivering people’s housing needs and aspirations. Conference attendance is a great way to network and collaborate across the industry and the wider Financial Services sector.
Join us at this flagship conference to learn and deepen your insight by hearing directly from our expert speakers and contributors on key topics affecting the industry and the mortgage market.
This year the conference will be in-person only to ensure you have the most enriching and rewarding experience, with networking opportunities during and after the conference.
If you work in law enforcement, the third or public sector and are interested in attending, you may be eligible for a concessionary rate. Contact us for further information.
For more information about supporting our 2024 event, please contact our associate membership team here. We are proud to partner with organisations on our mortgage events. If you would like to support the Annual Mortgage Conference please contact Chip Johnston.
Registration and refreshments
Opening remarks and housekeeping
Speaker: Charles Roe, Director, Mortgages Policy, UK Finance
Keynote presentation
Speaker: David Geale, Director of Retail Banking, Financial Conduct Authority
Presentation - - Market conditions: the road to normal
Speaker: James Tatch, Head of Analytics, Data and Research, UK Finance
Networking break
Panel one – Consumer Duty and vulnerability - Sponsored by Signal
Consumer Duty is in full force for new and existing products - the focus of regulated firms should now be to ensure they are ready for the Duty to apply to closed products and lending books from 31 July 2024.
The Financial Conduct Authority (FCA) is focused on ensuring consumers are protected from foreseeable harm, and vulnerable customers are no exception. How do firms ensure effective application of the Duty to ensure protection for vulnerable customers?
Presentation by FOS followed by panel session.
Moderator: Niru Amirthalingam, Manager, Mortgages, UK Finance
Speakers:
Discussion: Homes We Need
Housing is set to be a key issue in the forthcoming general election. UK Finance is entering the debate with the launch of its flagship paper - Homes We Need.
The challenges facing the UK’s housing market are highly complex requiring a multifaceted solution. Representatives from Frontier Economics will provide a concise overview of its report, commissioned by UK Finance, on how housing supply can be increased; developers can meet new-build targets; affordability issues addressed, all whilst ensuring safe, secure and appropriate housing exists for all.
Moderator: Ronnell Reffell, Manager, Mortgage Policy, UK Finance
Networking lunch
Presentation - FCA’s response to CP 23/13 - Strengthening protections for borrowers in financial difficulty
Speaker: Thomas Francis, Manager, Mortgage Policy, FCA
Panel two - Panel discussion on FCA Response to CP23-13 Strengthening protections for borrowers in financial difficulty - Sponsored by TLT
Against the backdrop of an increased cost of living, the panel will explore how lenders are strengthening protections for mortgage customers in financial difficulty. But what are the effects of giving customers in financial difficulty more time and support? And how do lenders ensure they don't provide borrowers with too much of it?
Moderator: Karina Hutchins, Principal, Mortgage Policy, UK Finance
Sponsor
Presentation AI: What are the opportunities and risks for mortgage lenders?
We hear a lot about the benefits of AI and how it will become an integral part of day-to-day life, but how can it be used in the mortgage market? This interactive session will cover topics such as adoption rates, use cases and evaluation, regulatory headwinds and, consider practical steps to better use/ deploy AI by ensuring the appropriate governance and risk management frameworks are in place.
Moderator: John Marr, Principal, Devolved Government and Social Housing, UK Finance
Panel three - Digitisation of home buying and selling - Sponsored by Pexa
It is recognised that digitisation is the future for the home buying and selling process. Until now, siloed systems and drawn-out processes have resulted in a fragmented journey for buyers and sellers. This has created frustrating delays as different professions deal with their own part in the journey. Our expert panel considers recent progress in addressing the transition to digital and whether there is still a place for analogue.
Moderator: John Baguley, Principal, Mortgage Policy, UK Finance
Sponsor: Pexa
Panel four – Green Homes - What the barriers are to homeowners going net zero and what role can mortgage brokers and lenders play to ease the journey?
Retrofitting homes in the UK presents a significant challenge, despite being crucial for achieving sustainability goals such as net zero carbon emissions. Our panel will discuss whether a clear and consistent long-term national strategy could create certainty for homeowners. If so, what role can the mortgage industry play to help ensure retrofitting can take place across various demographics.
Rachel Hunnisett, Associate Director for Built Environment, Green Finance Institute
Graham Sumsion, Head of Operations, Monmouthshire Building Society
Sandy Ruthven MBE, CEO, Severn Wye
Closing remarks: Charles Roe, Director, Mortgages, UK Finance
Drinks reception
Director of Mortgages, UK Finance
Charles has over 25 years financial services experience and joined UK Finance in August 2020. As Director of Mortgages he has overall responsibility f...
Charles has over 25 years financial services experience and joined UK Finance in August 2020. As Director of Mortgages he has overall responsibility for delivering the mortgage policy work of UK Finance.
Prior to joining UK Finance, Charles was Executive Director and Chief Risk Officer at The Nottingham Building Society where he was accountable for designing and implementing the Society’s risk strategy and framework. Charles brings with him a wealth of experience including time as a director in the Regulatory Financial Services Practice at Grant Thornton LLP and 11 years regulation and compliance experience at the FCA. Whilst at the FCA, Charles was Head of Department for the mortgage sector, where he developed the FCA’s approach to the supervision of the UK mortgage market and oversaw the implementation of both the Mortgage Market Review and Mortgage Credit Directive.
Head of Operations, Monmouthshire Building Society
Graham is the Head of Operations for Monmouthshire Building Society. Graham has over 20 years' experience in financial services in both a distribution...
Graham is the Head of Operations for Monmouthshire Building Society. Graham has over 20 years' experience in financial services in both a distribution and operations capacity. Grahams career spans both large banks and investment companies as well as more latterly the building society sector giving a broad range of industry experience.
Graham is accountable for writing the Society’s Responsible Lending Policy and Underwriting Criteria which includes the provision of supporting green finance. Graham has lead the Green Home Finance Innovation Funded Valuer Project which was fronted by the Monmouthshire Building Society in conjunction with SERO, Rightmove and RICS.
Associate Director for Built Environment, Green Finance Institute
With over a decade of experience in the financial services sector, starting her career as a mortgage advisor, Rachael has held multiple positions acro...
With over a decade of experience in the financial services sector, starting her career as a mortgage advisor, Rachael has held multiple positions across the finance landscape including business development, national accounts and new build. Rachael is passionate about the role finance plays in creating sustainable, positive social and environmental outcomes for all.
Joining the Green Finance Institute in early 2023, Rachael lead the GFI’s Green Mortgage campaign as part of the flagship Built Environment programme and in February 2024 progressed to Associate Director for Built Environment. Rachael is responsible for driving growth, scale and impact across the green home finance market, working with stakeholders from across the public and private sectors.
Continuing her commitment to positive social and environmental impact, Rachael also holds a Non-Executive Director position for Social Enterprise Kent, a community interest company which provides training, business and community support to drive lasting positive social impact.
Partner, TLT
Heff’s practice focuses on handling complex financial and regulatory disputes for banks, building societies and private/wealth banks. He is known for ...
Heff’s practice focuses on handling complex financial and regulatory disputes for banks, building societies and private/wealth banks. He is known for his work in the secured lending space and is often engaged by market-leading lenders to advise on strategic issues affecting their portfolios. This includes receivership and property-related issues. Heff is known for his commercial and down to earth approach
Chief Customer Officer UK
With over 15 years’ financial services and consulting experience, Andrew led strategy and transformation at Invesco Ltd and spent 5 years at Kearney, ...
With over 15 years’ financial services and consulting experience, Andrew led strategy and transformation at Invesco Ltd and spent 5 years at Kearney, leading their retail banking strategy. Prior to this, Andrew worked for Lloyds Banking Group in a project delivery role and spent 3 years at KPMG in their Risk Consulting function. He has completed his MBA at Cambridge University.
Associate Director, Frontier
Paula is an Associate Director in Frontier’s Strategy Practice focused in Financial Services. She has more than 15 years of experience in advising fin...
Paula is an Associate Director in Frontier’s Strategy Practice focused in Financial Services. She has more than 15 years of experience in advising financial service companies, in a wide variety of issues. Since joining Frontier in early 2019 she has supported different clients in strategic and commercial issues.
Prior to that, as a partner in Financial Services at Analistas Financieros Internacionales (Afi), Paula gain extensive expertise in projects linked to Financial Planning, Stress Testing, Valuation and Risk Quantification and Management. Paula has worked extensively on supporting clients with regulatory and supervisory compliance. She has also acted as a trainer in numerous courses regarding aspects including Behavioural Economics, Stress Testing, Provisioning and Risk-based Management.
CEO, Severn Wye Energy
Sandy Hore-Ruthven MBE is the CEO of Severn Wye Energy– one of the UK’s largest charities tackling fuel poverty and Climate Change through our energy ...
Sandy Hore-Ruthven MBE is the CEO of Severn Wye Energy– one of the UK’s largest charities tackling fuel poverty and Climate Change through our energy system. It works to support those struggling with fuel poverty through advice and retrofitting their homes. Each year Severn Wye supports 12000 households, saving over £1.5m in energy bills.
Severn Wye also invests in cutting edge technology to capture carbon and generate renewable energy saving over 20,000 tonnes of Carbon each year. Sandy has been a charity CEO since 2006 managing large charities supporting young people and disadvantaged communities across the UK and is a Director of Friends of the Earth in the UK.
He is has been Chair of Children in Need in the South West and has held a number board positions including the Chair of Youth Action Network and VOSCUR and has been a board member of the Quartet Community Foundation. He was a founder member of the Bristol Mayor’s ‘One City’ board where he initiated the plans to reach Net Zero by 2030 and worked with business, charities, communities and local authorities to tackle a range of other environmental issues.
Sandy has cycled in many places across the globe including the Andes, the Tibetan Plateau, Himalayas and central Africa. He has two adopted children who are now grown up and making their way in the world.
Ombudsman Manager, Financial Ombudsman Service
Simon Pugh is an ombudsman manager at the Financial Ombudsman Service. Appointed as an ombudsman in 2013, he specialises in complaints involving mortg...
Simon Pugh is an ombudsman manager at the Financial Ombudsman Service. Appointed as an ombudsman in 2013, he specialises in complaints involving mortgages and secured lending, and in cases involving vulnerability, discrimination and related issues. Before joining the ombudsman service he was a solicitor working in private practice and the charitable sector.
Lead, Foot Anstey
Yanthé began her career in law in 2003 and qualified as a fellow of CILEX in 2010. Having practised family and residential property law in Lincolnshir...
Yanthé began her career in law in 2003 and qualified as a fellow of CILEX in 2010. Having practised family and residential property law in Lincolnshire, London and Devon, Yanthé now leads Foot Anstey’s specialist new build property teams based across the south west of England. She has extensive experience advising on all aspects of residential property and a keen interest in the role that technology can play in improving the home buying and selling process. Yanthé leads on projects developing the operational and strategic direction of her teams, with a particular focus on the consumer journey.
Yanthé was a Specialist Reference Group Advisor to CILEX (from February 2019 to September 2021) and during that tenure became CILEX’s representative on the Home Buying and Selling Group. She continues to advise government on the Land Registry’s Advisory Council. With years of experience managing people and conveyancing teams, Yanthé’s focus has driven her towards aiming to reduce delays and complications in conveyancing transactions while providing excellent client care.
Consultant and property market commentator, Home Buying and Selling Group
Kate is a leading consultant and property market commentator. She is chair of the Home Buying and Selling Group and helped set up and run The Let...
Kate is a leading consultant and property market commentator. She is chair of the Home Buying and Selling Group and helped set up and run The Lettings Industry Council. Kate’s business provides accurate and independent research, content and analysis about the property market and key issues of the day.
Her consumer website Propertychecklists.co.uk provides city specific property price and rental data to keep the industry and consumers up to date with latest trends. Kate has written eleven books on property, including four for Which? She has produced the UK’s only Buy to Let online TV show and is a regular contributor to the media including BBC News Channel, Breakfast, R4’s You and Yours and MoneyBox as well as ITV’s This Morning and provides regular commentary to major newspapers and magazines.
Director of External Affairs and Partnerships, The Trust
Jane Tully is the Trust’s Director of External Affairs and Partnerships and has served on the charity’s Senior Leadership Team since 2014, including H...
Jane Tully is the Trust’s Director of External Affairs and Partnerships and has served on the charity’s Senior Leadership Team since 2014, including Head of Insight and Engagement. In that time, she has led on building and strengthening partnerships with creditors and overseen the charity’s external affairs, business development and insight functions, and its training and consultancy services.
Jane leads on the Trust’s business planning as well as commissioning and contract management, having led the Trust’s recent successful bids for debt advice contracts in England.
Before joining the Trust, Jane led the policy and public affairs team at Charity Finance Group and worked for the Charity Commission, NSPCC and the London Borough of Camden. Jane also volunteers for a number of London based community groups.
Head of Analytics, UK Finance
James has over 25 years’ experience in housing and financial services economics and analysis. Joining the Council of Mortgage Lenders in 2003, which m...
James has over 25 years’ experience in housing and financial services economics and analysis. Joining the Council of Mortgage Lenders in 2003, which merged into UK Finance in 2017, he has continually developed the mortgage industry’s rich data assets, creating a world-leading knowledge base for the sector. Leveraging these assets and his two decades of industry and data knowledge, James has overall responsibility for UK Finance’s mortgage sector analysis and authors many of its publications, including our flagship Household Finance Review.
Prior to settling in financial services James held a range of academic, public and private sector roles in economics, interspersed with sabbaticals to lose himself in various interesting corners of the world. He has now mostly grown up and is married with two mostly grown children and two mostly grown dogs, all of whom believe they are superior economists to him.
Partner, DLA Piper
James Clark is a data protection, privacy and cyber security lawyer who is passionate about all areas of ‘data law’. He demystifies this complex area ...
James Clark is a data protection, privacy and cyber security lawyer who is passionate about all areas of ‘data law’. He demystifies this complex area for his clients and prides himself on delivering thoughtful and practical advice.
James has worked on international projects his entire career and has spent time on secondment in the firm’s Brussels and Washington, D.C. offices. He has a particular focus on the life sciences, insurance and government sectors, and leads the firm’s privacy law practice for the life sciences sector.
James has led numerous multi-jurisdictional advisory projects and data protection audits. He loves working with clients early in the design of new products and services to ensure that privacy compliance is ‘baked in’ and complex regulatory issues are solved before they become enforcement risks.
Legal Director, DLA Piper
Nichola Donovan advises on complex and strategic technology and sourcing arrangements, technology build and development, cloud computing, including pl...
Nichola Donovan advises on complex and strategic technology and sourcing arrangements, technology build and development, cloud computing, including platform, software and device as a service, business process and IT outsourcing.
She advises both users and suppliers of technology, particularly across the financial services and insurance sectors, and her work often concerns business critical projects with global reach.
DLA Piper is a global law firm with lawyers located in more than 40 countries throughout Europe, the Americas, the Middle East, Africa and Asia Pacifi...
DLA Piper is a global law firm with lawyers located in more than 40 countries throughout Europe, the Americas, the Middle East, Africa and Asia Pacific, positioning us to help clients with their legal needs around the world.
We believe great businesses can make a better world. Forward-thinking, innovative organisations can find the answers to today’s most difficult questions. That’s why, every day, we help them succeed.
Our bold and dynamic culture means we think big and act decisively. Because relationships are at the heart of everything we do for our clients and communities.
Let’s make business better. Together.
For more than a decade, PEXA has been a pioneering leader in digital property transactions, transforming Australia’s $10 trillion housing market. Faci...
For more than a decade, PEXA has been a pioneering leader in digital property transactions, transforming Australia’s $10 trillion housing market. Facilitating secure, efficient home settlements for over 20,000 families each week, PEXA's innovative platform and services are trusted for nearly 90% of all property transactions in Australia. Now, we’ve introduced our world first technology and financial settlement model to the UK, starting with England and Wales. In collaboration with the Bank of England, we offer a resilient and secure solution for housing transactions, enhancing operational efficiency and transparency for lenders and law firms. Starting with the launch of remortgages in September 2022, and now expanding to a sale and purchase solution in 2024, PEXA is setting a new standard for the UK’s property industry.
We are one of the UK's largest and most experienced financial services legal teams, with the expertise and the solutions to deliver what you need. Our...
We are one of the UK's largest and most experienced financial services legal teams, with the expertise and the solutions to deliver what you need. Our track record speaks for itself - long term partnerships with our clients, working as part of their team, preparing and protecting them for what comes next in a highly-regulated industry.
We are truly embedded in the sector - working with everyone from new market entrants to established brands and from large commercial banks to fast growth fintechs; handling business-critical transactions and reputationally-sensitive matters. We apply our expertise at a strategic and operational level and across the full range of legal issues from new product development and complex lending mandates to regulatory investigations and disputes. Clients rely on us to help navigate commercial issues, alleviate cost pressures and to rapidly tailor solutions to tackle the challenges they face. We always take a smart approach to resourcing, pricing and technology to deliver more effectively and efficiently.
Financial services is the engine room of the UK economy and our clients expect us to go beyond legal to help them deliver for their colleagues and customers. We therefore partner with influential industry bodies to help inform regulatory changes and developments. We also use our wider networks to support our clients with the broader issues that they face, from sustainability to equality, diversity and inclusion.
We won Law Firm of the Year at The Lawyer Awards 2021. In January 2022, were ranked fourth in Roll on Friday's Firm of the Year survey of UK law firms, based on anonymous responses from partners and staff. We have also won Best Law Firm at the Mortgage Finance Gazette Awards 2022 for our forward-thinking approach to supporting mortgage lenders.
Signal are UK leaders in providing strategic customer communications support to the financial services sector. Providing advisory, experience design, ...
Signal are UK leaders in providing strategic customer communications support to the financial services sector. Providing advisory, experience design, technology, training and managed services to support the transformation and best practice management of regulated and operational customer engagement. Signal works with tier 1 firms, including Lloyds Banking Group and Nationwide through to smaller specialists such as Step Change Debt Charity.
Mortgage lenders:
Key stakeholders within the mortgage market and lending community:
Associate members:
By downloading this document, you understand and agree that any sharing, distribution or republishing of the content, without prior written authorisation from the author or content managers at UK Finance, shall be constituted as a breach of the UK Finance website terms of use.