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Buy-to-let lending conference


6 June 2017

Time: 9:30am – 4:00pm
Venue: 15Hatfields, London
Price: £385 (VAT exempt) members
£385 (VAT exempt) associates
£505 (VAT exempt) non-members
Buy-to-let lending conference

About this event

Buy to let (BTL) is a staple of UK lending, but what effect does it have on the wider UK housing market?

This one-day event looked at the place buy to let holds in UK lending and the opportunities and challenges for the future of this form of lending.

Our keynote speaker was Michael Ball, professor of urban and property economics at the University of Reading.

Michael’s research work covers a broad spectrum, including regional economies and infrastructure provision; the private rented sector; the London economy; specialised housing for the elderly; historical patterns of urban change; and the impact of institutional change on housing provision.

His recent research has focused upon international & UK housing markets; housing supply, planning and the housebuilding industry. 

This made him ideally placed to provide valuable insight into buy to let, in his keynote speech: ‘The outlook for the PRS and private landlords’.

Comments made by delegates who attended the event:

“Well organised, engaging and thought provoking.”

“Helpful to consolidate existing knowledge.”

“Excellent event, good variety of content, very relevant.”

“Excellent and varied content. Very informative indeed with genuine and open debate.”

“Interesting, thoughtful.”

Topics included:

  • Longer-term tenancies
  • Buy to let and housebuilding
  • Tax changes and underwriting
  • Landlord issues

This event was aimed at:

Anyone dealing with BTL products, business development and new lending, underwriting, mortgage policy, operations, research and economics.

See the full programme for this event.

**This event was closed to press**


0900 - 0930


Registration and refreshments

0930 - 0940


Chair's welcome and introduction
John Heron, Managing Director, Paragon Mortgages

0940 – 1010


The outlook for the private rented sector (PRS) and private landlords
Michael Ball, Professor of Urban and Property Economics, Henley Business School, University of Reading.

  • The economics of being a landlord

1010 - 1030


Realities of the Housing White Paper  
Peter Williams, Executive Director, Intermediary Mortgage Lenders Association

1030 - 1100


Market developments and changes in lending
Carla Sateriale, Market and Data Analyst, Council of Mortgage Lenders

1100 – 1130  


1130 – 1200  

Build to Rent
Stephanie Pollitt, Assistant Director, British Property Federation

  • Offsite sales and institutional investment
  • Impact of changing levels of offsite sales
  • Build to Rent and other government schemes
1200 - 1220  

Scottish housing bill: one year on
Iain Lindsay, Business Development Manager, BM Solutions

1220 – 1320  


1320 – 1350  

The general election: what are the party plans for the private rented sector?
Chris Pond, Chair, Standards Board, Equity Release Council

1350 - 1430  

Buy to let and portfolio landlords
How do underwriting standards and buy to let lending affect portfolio landlords?

(1350 - 1410)  

Lender perspective 
John Eastgate, Sales and Marketing Director, OneSavings Bank

(1410 - 1430)  

Broker perspective
David Whittaker, Chief Executive Officer, Mortgages for Business

1430 - 1500  


1500 - 1520  

Update from Shelter
Kate Webb, Head of Policy and Research, Shelter

  • Private landlords and social responsibility
  • Longer-term tenancies – security and stability
  • Affordability and sustainability
1520 - 1550  

Panel session: How can the private rented sector help solve the housing crisis?
Chair: Tom Papworth, Senior Policy Adviser, Council of Mortgage Lenders

Lucian Cook, Head of UK Residential Research, Savills (UK) Ltd
Richard Dyson, Head of Personal Finance, Telegraph Media Group
John Heron, Managing Director, Paragon Mortgages
Richard Lambert, Chief Executive Officer, National Landlords Association

1550 - 1600   Chair’s summary and conference close

Chair: John Heron

Managing Director, Paragon Mortgages

John Heron is Managing Director of Paragon Mortgages, part of the Paragon Group of Companies. He joined the Group in 1986 and was appointed to the board in 2003. He was instrumental in pioneering buy to let by working with ARLA in the 1990s to develop the concept and launched the first buy-to-let mortgages in 1995. The Group's buy-to-let operations include Paragon Mortgages, which specialises in providing mortgages to professional landlords and Mortgage Trust which caters for private investors with less complex propositions.

With around 40,000 landlord customers and balances in excess of £9bn, Paragon is a leading buy-to-let lender and continues to deliver competitive and innovative solutions for intermediaries and their landlord customers.  

John is also Chair of the Council of Mortgage Lenders buy-to-let panel and a board member of the Intermediary Mortgage Lenders Association, having previously held the position of Chair at IMLA and deputy chair of the CML. He is also Fellow of the Chartered Institute of Bankers

Michael Ball

Professor of Urban and Property Economics, Henley Business School, University of Reading

In recent years, Michael Ball's research has focused upon international and UK housing markets; housing supply, planning and the housebuilding industry; regional economies and infrastructure provision; the private rented sector; the London economy; specialised housing for the elderly; historical patterns of urban change; and the impact of institutional change on housing provision.

Lucian Cook

Head of UK Residential Research, Savills (UK) Ltd

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 all aspects of the UK housing markets and frequently appears on radio and television.

At Savills he leads a team of 25 highly respected researchers. Collectively they cover everything from social housing to the prime markets of central London and development land to residential investment.





Richard Dyson

Head of Personal Finance, Telegraph Media Group

Richard Dyson is head of personal finance at the Telegraph Media Group, overseeing the Telegraph's personal finance coverage online and in print seven days a week. His particular interests lie in retirement planning and income investing but he also writes widely on the housing market, mortgages, property investing and estate planning. He has worked for the Mail on Sunday, the Daily and Sunday Express and Investors Chronicle, among other titles, and is the co-author of a forthcoming book on managing retirement finances in the new era of "pension freedoms".






John Eastgate

Sales and Marketing Director, OneSavings Bank

John Eastgate has over 25 years’ financial services experience with banks, building societies and related consultancy partners. In his role at OneSavings Bank, he is responsible for both the development and distribution of the bank’s savings and mortgage products, marketing and investor relations. Prior to joining OneSavings Bank, John was Sales and Marketing Director at Saffron Building Society and he previously held senior roles at Experian and Barclays. He is a graduate of Heriot-Watt University.


Richard Lambert

Chief Executive Officer, National Landlords Association

Richard Lambert joined the National Landlords Association as its first Chief Executive Officer in October 2011. He began his career as a parliamentary civil servant in the House of Commons, where over 10 years he worked on Select Committees, various aspects of the legislative process and interparliamentary affairs. Following a brief spell in commercial lobbying, he moved into trade associations, spending five years as the Policy Director covering residential issues at the British Property Federation, then becoming Chief Executive of the British Woodworking Federation in 2002. He is a Fellow of the Royal Society of Arts and a former Chairman of the National Training Organisation, Housing Potential.




Iain Lindsay

Business Development Manager, BM Solutions

Iain Lindsay has over a decade of experience as a Business Development Manager. He joined BM Solutions in 2007 from Mortgage Express, having spent almost 20 years in the branch network of Bradford and Bingley.

His role covers the whole of Scotland’s west coast and central belt, stretching from Inverness in the North to Stranraer in the South.






Tom Papworth

Senior Policy Adviser, Council of Mortgage Lenders

Tom Papworth joined the Council of Mortgage Lenders in 2016 having previously worked in government, trade associations and think tanks. He is the Senior Policy Adviser responsible for buy to let and arrears and possessions. Tom holds degrees from the Royal Holloway (University of London), the University of Kent (Canterbury) and King’s College (London). 


Stephanie Pollitt

Assistant Director, British Property Federation

Stephanie Pollitt joined the British Property Federation in 2011 as a Senior Policy Officer leading on the Federation’s commercial and residential portfolios within the Real Estate policy team. Her work broadly covered residential property management and insurance as well as a wide range of commercial property matters, including retail insolvency and landlord and occupier leasing concerns. Progressing to Assistant Director in 2014, she took a more strategic view on commercial real estate and worked on a number of projects including the creation of a new high street investment model and the establishment of property owners Business Improvements Districts within London. Most recently, Stephanie has transitioned from commercial to residential and is now the lead for the organisation’s work on the PRS and Build to Rent. 



Chris Pond

Equity Release Council, Chair, Standards Board

Chris Pond, chairs the Equity Release Council’s Standards Board and is a former Labour MP, Minister with Department for Work and Pensions and Parliamentary Private Secretary with HM Treasury under Gordon Brown.

A former lecturer in Economics, Chris was also a director at the FSA (Financial Services Authority – precursor to the FCA), where he was involved with the establishment of the Money Advice Service (MAS). In addition to his work at the Council, he is Chair of the Lending Standards Board, of the Caxton Foundation and The Money Charity and Vice Chair of the Financial Inclusion Commission.

Carla Sateriale

Market and Data Analyst, Council of Mortgage Lenders

Profile Carla Sateriale

Carla Sateriale joined the CML in September 2015 and has led the CML’s quantitative research of the buy-to-let sector. An economist by background and relatively new to the mortgage landscape, she has broad experience in analytical roles in the international and the US public sector. Since joining the CML, Carla has written several articles about the stability of the buy-to-let mortgage sector and the evolving profile of UK landlords. She also is the lead voice for liaising between lenders and the Bank of England regarding new buy-to-let data requirements.

 David Whittaker

 Chief Executive Officer, Mortgages for Business

David Whittaker is an expert on buy-to-let mortgages. He established Mortgages for Business in 1990 and has grown the company into a multi-award winning, independent brokerage. David believes in setting standards and has twice been president of the National Association of Commercial Finance Brokers (NACFB).







Kate Webb

Head of Policy and Research , Shelter

Kate Webb is Head of Policy and Research at Shelter. She has worked at Shelter since 2010 and leads the charity’s work to improve the housing safety net and the experiences of private renters. From 2014-15 she was Head of Policy at the Social Mobility and Child Poverty Commission. 








Peter Williams

Executive Director, IMLA

Peter Williams is Executive Director of the Intermediary Mortgage Lenders Association (IMLA) and a Departmental Fellow, Department of Land Economy, University of Cambridge. He was previously Director of the Cambridge Centre for Housing and Planning Research, Deputy Director General of the Council of Mortgage Lenders and Professor of Housing at the University of Wales, Cardiff. 

Peter is currently on the board of Vida Home Loans and Chair of URL, a planned ‘for profit’ housing association. 


Headline sponsor


Paragon is a leading specialist lender of buy-to-let mortgages to landlords and residential property investors in the UK, a loan servicing provider for third party clients and an active acquirer of loan assets and portfolios and has most recently established a banking subsidiary, Paragon Bank. Paragon has £12.7 billion of loan assets under management. Since being established in 1985, it is the only specialist lender to maintain an independent position within the UK mortgage market.




Chadwick Court

Nearest tube stations:

Southwark (Jubilee line)

Waterloo (Bakerloo, Jubilee and Northern lines)

Blackfriars (Circle and District lines)

Nearest overground stations:

Blackfriars, Waterloo and Waterloo East 



Contact us

Agi Donovan

Telephone: 08453736771

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