From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to for wider content and updates from UK Finance.

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CML annual conference 2016: the hottest ticket in town


9 November 2016

Time: 9:00am – 4:45pm
Venue: Cavendish Conference Centre, London
Price: £329 members
£329 associates
£549 non-members
CML annual conference 2016: the hottest ticket in town

About this event

Montage of images from CML annual conference 2016

At this year's annual conference on 9 November, delegates had the chance to hear expert industry figures explore the key issues affecting UK mortgages, as well as meet and discuss with their peers.

We presented our latest research and findings and the day was dedicated to addressing the pivotal questions surrounding housing supply, regulation and the future of the mortgage market.

Topics included:

  • Housing supply and stock trends: What do they mean for the future?
  • New build: Capabilities and capacity issues
  • Can regulation and market innovation ever co-exist comfortably?
  • Last-time buyers and the retirement borrowing market

See the full programme for the conference here.

Feedback from conference attendees:

"Another excellent CML event, informative and thought provoking"

"Great event, appropriate and insightful topics/session and good networking opportunities"

"Good and varied presentations from a number of speakers and organisations"  

"Excellent day and creative agenda. Particularly enjoyed the regulation debate and the rising stars session"

Tweets from the day:


Job titles of delegates who attended the conference included:

  • Business Development Director
  • Chairman
  • Chief Executive
  • Commercial Director
  • Corporate Services Director
  • Director of Intermediaries
  • Director of Retail Mortgages
  • Head of Compliance
  • Head of Finance - Mortgages
  • Head of Mortgage Distribution
  • Head of Risk
  • Head of Service and Operations
  • Retention and Data Manager
  • Risk and Compliance Director
  • Sales Director
  • Senior Manager - Mortgage Strategy
  • Senior Product Development Manager
  • UK Managing Director


CML member & associate rate: £329 (VAT exempt)

Non-member rate: £549 (VAT exempt)


0900 - 0930  

Registration and refreshments

0930 – 0935  

Welcome and introduction
Peter Hill, Chief Executive, Leeds Building Society and CML Chairman

0935 – 1005  

Lending at the speed of life
Andrew Steadman, Agiliti, EMEA, International Group, Fiserv

1005 – 1125  

Session one - Housing supply: scoundrel or scapegoat?
Lindsay Judge, Senior Policy and Research Analyst, Resolution Foundation

(1005 - 1025)  

Capabilities and capacity of new build
Stewart Baseley, Executive Chairman, Home Builders Federation

  • Current issues in the new build sector
  • Supply versus demand
  • Integrating new build into wider strategies for increasing stock
(1025 - 1045)  

CML perspective on housing
Bob Pannell, Chief Economist, Council of Mortgage Lenders

  • Tenure changes, aspirations and trends
  • What do these mean for today’s market?
(1045 - 1125)  

Do prejudices about the ‘best’ form of tenure mask wider problems of supply and stock?

Brian Berry, Chief Executive, Federation of Master Builders
Hilary Osborne, Editor,, The Guardian
Campbell Robb, Chief Executive, Shelter
Jennet Siebrits, Head of Residential Research, CBRE Ltd
Ross Walker, Head of European Economics, The Royal Bank of Scotland 

1125 – 1200  


1200 – 1310  

Session two - Frenemies forever? regulation and innovation in the mortgage world
 Heather Alleyne, Executive Director, Financial Services Risk, EY

(1200 – 1230)  

Keeping pace with commercial realities and consumer demand
Sue Anderson, Head of Member and External Relations, Council of Mortgage Lenders

  • How regulation and innovation work
  • What is regulation trying to achieve within the industry?
  • Exploring the opportunities stimulated by regulation
  • The role of regulation in buy-to-let lending
(1230 – 1310)  

“This House believes that regulation can stifle innovation”*
The CML annual conference debate

*Please note that this statement, or its opposite, does not necessarily reflect the views of the CML or either debate participant.

Pro: John Eastgate, Sales and Marketing Director, OneSavings Bank
Con: Ian Larkin, CO-Group CEO, Target

1310 – 1410  


1410 – 1530  

Session three - Back to the future: preparing for the borrowers of tomorrow
Chair: Paul Turner, Group Director, Business Development, Just Retirement

(1410 – 1430)  

The future for last time buyers
June Deasy, Head of Policy, Council of Mortgage Lenders

(1430 – 1530)  

CML Rising Stars: Older borrowers would be better served by the mortgage industry if…

Watch the CML's 2016 Rising Stars present their ideas for new products and/or services specifically designed for older borrowers.

Kasar Ayub, Quality Assurance Test Analyst, The Northview Group
Ben Deeley, Senior Business Auditor, YBS Group
Claire Hodson, Channel Planning and Reporting Manager, Lloyds Banking Group
John Houlton, Product Design Manager, The Royal Bank of Scotland


Jackie Bennett OBE, Independent Mortgage Expert
Chris Buchanan, Product Director, Legal & General Home Finance
David Humphrey, Mortgage and Protection Advisor, Mortgages First (2015 Rising Stars winner)
Tracie Pearce, Head of Mortgages, HSBC

 1530 – 1550  

CML Director General’s round-up and summary
Paul Smee, Director General, Council of Mortgage Lenders

 1550 - 1645  

Drinks reception

Confirmed speakers

Chair: Heather Alleyne

Executive Director, Financial Services Risk , EY

Heather Alleyne is a financial services professional with more than 15 years' industry experience alongside more than 10 years in consulting.  She joined EY in 2010 and is an Executive Director focusing on retail conduct and compliance. 








Sue Anderson

Head of Member and External Relations, Council of Mortgage Lenders

Sue Anderson joined the fledgling management team of the newly de-merged Council of Mortgage Lenders in 1997 after seven years with the Building Societies Association. As Head of Member & External Relations, she runs a team which represents lenders’ views to the media and Parliament and relations with CML members. She also had extensive involvement in the Mortgage Code and in a range of CML policy development.

She has also been a housing association board member and has also undertaken charity consultancy work.



Stewart Baseley

Executive Chairman, Home Builders Federation

Stewart Baseley, after a career in housebuilding,  has been Home Builders Federation’s (HBF) Executive Chairman since 2006. In addition, Stewart is a non-executive board member of NHBC and H+H, is Chairman of Housebuilder Media Ltd, Troy Homes and Habitat for Humanity GB, and a patron of the Children with Special Needs charity.








Jackie Bennett OBE

Independent Mortgage Expert

Jackie Bennett OBE has recently left GE Money Home Lending where she was Compliance Conduct Leader since November 2014. She worked with the business to ensure compliance on a day-to-day basis with all relevant legislation and regulations, particularly the Financial Conduct Authority (FCA).

Prior to that, she was Head of Policy for 10 years at the Council of Mortgage Lenders. Jackie led on a number of key initiatives while at the CML including seeing through the Mortgage Market Review, the first consumer awareness campaign on interest-only mortgages, supporting the government’s various Help to Buy schemes, and projects on arrears and possessions to support customers in financial difficulty during the credit crisis in the mid-2000s. She was awarded an OBE in June 2010 for services to the financial services industry.

During her earlier career, Jackie worked in the property and household department of the Association of British Insurers and in a number of police and criminal policy roles at the Home Office.

Brian Berry

Chief Executive, Federation of Master Builders

Brian Berry is Chief Executive of the Federation of Master Builders (FMB), the UK’s largest trade association in the construction sector. Prior to his current position Brian was Director of External Affairs at the FMB with responsibility for UK and EU policy, public affairs and media relations. Before joining the FMB, he worked at the Royal Institution of Chartered Surveyors (RICS), where he was Head of UK Public Policy and as a teacher at The Charterhouse Square School in central London. Brian regularly provides commentary on construction issues for TV, radio, national and trade press.






Chris Buchanan

Product Director, Legal & General Home Finance

Chris Buchanan has over 22 years’ experience in mortgage lending and specialised over the last 11 years in the lifetime mortgage sector with providers Prudential, Just Retirement and now Legal & General Home Finance. More recently, Chris has been a leading contributor and customer advocate in the retirement lending debate.



June Deasy

Head of Policy, Council of Mortgage Lenders

June Deasy has sixteen years’ in-house and agency experience in strategic communications, public policy and public affairs, and has advised and briefed senior executives, politicians, government officials and other policy influencers at UK and international levels. Her work has included developing and promoting policy for high profile multinationals in the financial services, energy, retail and transport sectors; housing sector organisations; trade associations and global professional bodies.




John Eastgate

Sales and Marketing Director, OneSavings Bank

John Eastgate, graduated from university with an electrical engineering degree, since then John has spent his entire career in the financial services industry and now has over 25 years’ experience with banks, building societies and related consultancy partners. Prior to joining OneSavings Bank, John was Sales & Marketing Director at Saffron Building Society and he previously held senior roles at Experian and Barclays.




Peter Hill

Chief Executive, Leeds Building Society

Peter Hill is a career banker with approaching 40 years in financial services.  His experience spans a wide range of disciplines from front line customer service to strategy.

He entered the mutual sector in 2001, joining Leeds Building Society as General Manager Sales, before moving into Operations. He was appointed Operations Director in 2006 and CEO in 2011.

Leeds Building Society is the 5th largest society with over 700,000 members and 65 UK branches. It was established in 1875 and, in its 140 year history, Peter is only the 7th Chief Executive.

Peter is the Chairman of the Council of Mortgage Lenders, a member of the Interim Main Board of the new FS Trade Association, an Associate of the Chartered Institute of Bankers and a fellow of the Royal Society of Arts.

David Humphrey

Mortgage and Protection Advisor, Mortgages First (2015 Rising Stars winner)

David Humphrey began his career in banking 15 years ago and, in 2007, he retrained as a Mortgage Advisor.  Now a Mortgage Broker for Mortgages First in Colchester in Essex he is providing mortgage and protection advice to his clients nationwide. David was the winner of the CML Rising Stars competition 2015. 










Chair: Lindsay Judge

Senior Policy and Research Analyst, Resolution foundation

Lindsay Judge is senior policy and research analyst at the Resolution Foundation where she leads the organisation’s housing programme. She is the co-author of The Housing Headwind, a report which considers the evolution of housing affordability over the last twenty years and a regularly commentator on housing and living standards.




Ian Larkin

Co-Group CEO, Target Group

Ian Larkin brings over 20 years of financial services experience to Target having worked at Lloyds Banking Group since 2005 running various businesses across retail and commercial banking.

His last role was Managing Director of Lloyds Commercial Finance. Before joining Lloyds Ian was Chief Financial Officer at Virgin Money, prior to which he spent four years at McKinsey & Co and six years at Accenture. Ian co-leads the business with primary focus on business development and franchise growth. Ian has a 1st class honours Degree in Chemical Engineering from University College Dublin and an INSEAD MBA. He is also a Fellow of the Chartered Institute of Management Accountants.




Hilary Osborne

Editor,, The Guardian

Hilary Osborne has worked at the Guardian for 11 years as editor of the money section of She writes news and features for the money and business sections, and for the Home news pages. Prior to that she edited What Mortgage magazine, and wrote on personal finance for several other publications. 





Bob Pannell

Chief Economist, Council of Mortgage Lenders

Bob Pannell has worked for the CML since 1990 and is a member of its senior management team. As chief economist, Bob has overall responsibility for the economics, statistics and research work of the organisation. This involves producing a diverse range of analysis and commentary for CML publications, member organisations and the media. He works closely with other teams to ensure that the CML’s policy and PR work is underpinned by rigorous, clear and relevant analysis. 

Before joining the CML Bob held a variety of economist positions in financial services, industry and government.  



Tracie Pearce

Head of Mortgages, HSBC Bank plc

Tracie Pearce is Head of Secured Lending at HSBC, with responsibility for UK mortgage lending. Tracie has worked in the mortgage industry for over 20 years having started her career in the Specialist Lending market at Sun Bank. She has held various roles across IT, Operations and Product and is now proudly leading HSBC's expansion into the intermediary market.





Campbell Robb

Chief Executive, Shelter

Campbell Robb, prior to joining Shelter in 2010,  was the first Director General of the Office of the Third Sector in the Cabinet Office. Whilst there, he led the government’s work with the Third Sector, including the 2007 Comprehensive Spending Review and the most wide-ranging consultation with the Third Sector, which resulted in the launch of the Third Sector Review. Previously he was Director of Public Policy for National Council for Voluntary Organisations (NCVO).






Jennet Siebrits

Head of Residential Research, CBRE Ltd

Jennet Siebrits has been Head of Residential Research since June 2005. She is an experienced housing market economist having held positions at the Council of Mortgage Lenders and Nationwide Building Society.

She oversees all analysis, research and publications. In addition, she has extensive experience of consultancy for clients in a wide range of areas including demand and supply studies, cost benefit analysis and economic impact studies. 






Paul Smee

Director General, Council of Mortgage Lenders

Paul Smee has been the Director General of the Council of Mortgage Lenders since August 2011. Previously, he was Chief Executive of UK Payments, a post which he held for six years.

Before payments, Paul was the first Director General of the Association of IFAs, the representative body for the community of independent advisors which was formed in 1999. He also was instrumental in the formation of the Association of Mortgage Intermediaries. 

During his earlier career, Paul worked for the London Stock Exchange, the Association of British insurers and the Independent Television Commission. He started his working life at the Department of Trade and Industry.  



Chair: Paul Turner

Group Director, Business Development, Just Retirement

Paul Turner joined Just Retirement in August 2014 as Group Director, Business Development. He is a member of the Group Executive Committee.

Paul has over 20 years of international insurance industry experience having held senior roles in the UK, Australia, Hong Kong and Singapore. Paul is a PRA approved person.

Prior to joining Just Retirement, Paul held various senior roles at Swiss Re including Principal Officer and approved person for its Singapore branch, Head of Life and Health for Southeast Asia region and Chief Underwriter for Asia Pacific.





Ross Walker

Head of European Economics, The Royal Bank of Scotland

Ross Walker has worked as an economist at The Royal Bank of Scotland since 2000. He is based in The Royal Bank of Scotland’s Corporate & Institutional Banking division in London where his principal responsibilities are macroeconomic forecasting and central bank policy analysis. Ross was ranked the #1 UK economic forecaster in The Sunday Times in 2015. He is a member of the City AM newspaper 'Shadow MPC' and in 2010, was dubbed 'The Sage of Scotland' by The Sun newspaper.  Prior to working in the City, Ross was a researcher to the President of the Board of Trade.


Headline sponsor:


The Fiserv logo

'Fiserv, Inc. (NASDAQ: FISV) enables clients to achieve best-in-class results by driving quality and innovation in payments, processing services, risk and compliance, customer and channel management, and business insights and optimization. For more than 30 years, Fiserv has been a leader in financial services technology, and today is among FORTUNE® magazine's World's Most Admired Companies and Forbes magazine's America's Best Employers. To learn more about how Fiserv is revolutionising UK financial services with AgilitiTM visit'



Commercial supporters:


As the UK's largest property services group, we serve our customers in 1,500 locations across more than 50 brands. We have unparalleled coverage of the UK property market, and we are uniquely placed to support our customers across the residential and commercial property markets.

Our purpose is to bring people and property together, we pride ourselves on our care for our customers and our ability to take care of the complexities of all property transactions on their behalf.


DPR Consulting & NIU Solutions

DPR Consulting is a leading provider of origination and servicing solutions for mortgages, loans and savings, delivering high levels of process efficiency and regulatory compliance.


Niu Solutions delivers and manages bespoke, compliant-ready IT solutions to the banking and lending industry.



LMS is the UK’s pre-eminent provider of legal panel management with 25 years of an unrivalled level of experience delivering the highest quality conveyancing and panel management services.

We provide the most comprehensive panel management service to the broadest lender base in the UK, giving us a level of experience and unique vantage point. LMS successfully manages some 150,000 transactions, working with three of the largest national mortgage lenders as well as a number of leading building societies. Additionally LMS has direct, strong relationships with key UK intermediary referrers. LMS sets the benchmark by which the market is measured.



Registers of Scotland

Registers of Scotland (RoS) is the government department responsible for compiling and maintaining registers relating to land, property and other legal documents in Scotland. RoS records and safeguards the rights of the individual whilst providing open and efficient access to important information on the registers. 





Target Group is a specialist provider of loan and mortgage servicing and software.  We enable our clients to operate more efficiently, deliver an excellent customer experience and mitigate risk. Over 50 major financial institutions rely on our software and servicing to manage their lending and investment portfolios.  With over 37 years’ experience, we are rated as “Above Average” by Standard and Poor’s. To find out more on how we can help you compete in today’s rapidly evolving market, visit our website or call 0845 650 6200.


Media Partner:

Mortgage Solutions





Cavendish Conference Centre

22 Duchess Mews


Nearest tube station: Oxford Circus (Victoria, Bakerloo and Central lines) Take exit 4, walk North up Regent Street past the Langham Hotel on your left and BBC Corporation House on your right. Turn left into Duchess Street and then right into Duchess Mews.

Driving instructions: Please note: This venue is in Central London within the Congestion Charge Zone. Parking is extremely limited. The organisers do not recommend travelling to this venue by car unless strictly necessary.

Blue badge parking scheme: To view spaces in the area reserved for Blue Badge holders, please visit and enter the postcode W1G 9DT.

Access for wheelchair users: The venue is fully accessible for wheelchair use, however please be aware that the street outside is cobbled. If visitors have any special access requirements, please alert the event organiser.

Useful links:

Venue website

Event resources

Presentations from the day are available below for attendees. Click on the links to download the presentations in pdf format. 

Contact us

Sophie Webber

Telephone: 08453736771

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