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.


8 November 2017

Time: 9:00am – 4:30pm
Venue: Congress Centre, London
Price: £329 (VAT exempt) members
£329 (VAT exempt) associates
£499 (VAT exempt) non-members
Annual mortgage conference

About this event

Our main strategic mortgage conference of 2017 will seek to identify and debate the key issues affecting the UK mortgage now and in the future. We have invited a varied range of speakers from the regulatory, lending and political landscapes to join us and share their industry expertise. As well as enjoying sessions that include updates on macro prudential regulation, new build and intergenerational mortgage needs, delegates can attend the lively exhibition which will have plenty of networking opportunities on offer!  

Topics include:

  • Current political climate for housing and mortgages?
  • Macro prudential regulation
  • Getting new build right
  • Lessons learnt from the pension sector 
  • Intergenerational mortgage needs

This event is aimed at:

Senior mortgage professionals and other key industry stakeholders.

Feedback from 2016 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"


Member and associate rate: £329 (VAT exempt)
Non-member rate: £499 (VAT exempt)

**This event is open to press**


0900 - 1000


Registration and refreshments

1000 - 1010


Welcome and introduction
Declan Curry, Business Broadcaster and Journalist 

1010 - 1030


Mortgages and UK Finance
Stephen Jones, Chief Executive Officer, UK Finance

1030 - 1110  

How do we responsibly innovate to simplify the mortgage sector? Is it even possible?
Moderator: Victoria Hartley, Group Editor, Mortgage Solutions & Your Mortgage
Ian Coventry, Managing Director, Capita Retail Banking Solutions
Keith Green, Chief Product Officer, Capita Financial Services Software
Matt Lowndes, Managing Director, Coreco
Greg Went, Interim Head of Secured Lending, HSBC

1110 - 1140  


1140 - 12.00  

The Financial Policy Committee and the residential mortgage market
Don Kohn, Member of the Financial Policy Committee, Bank of England

1200 - 1245  

Getting new build right
Moderator: Adrian MacDiarmid, Head of Mortgage Lender Relations, Barratt Developments
Douglas Cochrane, Head of Housing Development, Lloyds Banking Group
Jenny Coombs, Project Director, Local Partnerships
Samantha Ferneley, Business Development Executive, BLP Insurance & Consult
Jaedon Green, Director of Product and Distribution, Leeds Building Society

  • Quality of new build
  • Consumer code
  • Custom build
  • Offsite construction
  • Role of local councils
  • Developing the right mortgage products
1245 - 1335  


1335 - 1430  

Lessons learnt from the different regions and devolved nations of the UK

(1335 - 1345)  

Overview of housing policy and affordability in the devolved nations
Mohammad Jamei, Senior Economist, UK Finance 

(1345 - 1400)  

Scotland the brave?
Douglas Cochrane, Vice Chair, UK Finance Scotland (mortgages)

  • Lessons learnt from equity loan
  • Land transaction tax and the way the rates are influencing activity in the market
  • Implementation of new tenancy arrangement in the PRS, impacts on landlords and BTL
  • Different approaches of housing associations with the larger funding made available by the Scottish government
(1400 - 1415)  

Wales - Collaboration, creativity and challenge
Julie-Ann Haines, Chair, UK Finance Wales (mortgages)

  • Equity loan scheme ends in 2021 which matches England, what comes next to support first time buyer in Wales?
  • Innovative housing and how modern methods of construction are being used in Wales.
  • Rent to own scheme and shared ownership
  • 2018 land and build tax (BTT) have this will affect the market
  • Renting homes and changes to tenancy arrangements
  • Key role of housing association sector in the Welsh market.
(1415 - 1430)  

Spotlight on Northern Ireland - "We like to be different"
Derek Wilson, Chair, UK Finance Northern Ireland (mortgages)

  • Innovation in strategies to deal with customers in arrears
  • Co ownership
1430 - 1450  

Lessons learnt from the pension sector
Graham Vidler, Director of External Affairs, Pensions and Lifetime Savings Association

  • Retirement income adequacy
  • Pension freedoms
  • Use of property in retirement
  • Advice
1450 - 1520  


1520 - 1540  

Looking to the future: Intergenerational mortgages
Richard Rowntree, UK Mortgages Director, Bank of Ireland

1540 - 1600  

Using technology to deliver the right customer experience
Martijn van der Heijden, MD Marketplace & Chief Strategy Officer, Habito

1600 - 1620  

Later life borrowing. Old silos: New mindsets
Jackie Wells, Independent Strategy and Policy Consultant

1620 - 1630  

Chair’s summary and conference close

Chair: Declan Curry

Business Broadcaster and Journalist

Declan Curry was the presenter on  'On the Money' - a weekly business and workplace programme on BBC 5 Live and presented the business debate programme 'Show Me The Money' on the BBC News Channel.

Prior to this he presented the BBC's "Working Lunch" business programme following 5 years on ‘Breakfast’ on BBC One reporting each morning from the London Stock Exchange. Declan has also appeared coast-to-coast across the United States each morning for the US network ABC as well as writing a regular diary column for ABC's news website,

He has written for numerous newspapers and magazines including the Guardian and The Independent.




Douglas Cochrane

Head of Housing Development, Lloyds Banking Group

Douglas Cochrane has worked for the HBOS/Lloyds Banking Group for over 35 years in a variety of senior management positions and currently specialises in the new-build and affordable housing markets. He is vice-chair of UK Finance Scotland mortgage committee, a director and board member of the Construction Licensing Executive and a member of the NHBC's national council.






Jenny Coombs

Project Director, Local Partnerships

Jenny Coombs is a chartered town planner and housing professional, with over 25 years’ experience across public and private sectors. She has significant housing delivery experience in the housing association sector as well as having had a senior management role in a local authority. She worked for Deloitte for 10 years as a senior member of their public sector consulting team, advising a wide range of public bodies on transformation and efficiency programmes. This strong mix of commercial expertise and sector experience enables her to work side-by-side with clients to drive project delivery.

At Local Partnerships Jenny is a key member of the housing team and has developed a housing delivery vehicles toolkit. She is currently working with a number of councils assisting with the development of business cases for increasing local housing supply. 



Ian Coventry

Managing Director, Capita Retail Banking Solutions

Ian Coventry is Managing Director for Mortgage Services within Capita’s Private Sector Division. His responsibilities include client relationship management, service delivery and operational and programme management with a primary focus on delivering value and support to Capita’s clients, and their customers.  

He has more than 25 years’ experience in the financial services sector working for both in banks and outsourcers, in a variety of roles. 

Ian joined Capita in 2015.  Prior to this he was the Director of Worldwide Financial Process Management at HP where his role covered Mortgages, Consumer Loans, Retail Banking, Back Office and Loss Mitigation services. His responsibilities include creating and executing business strategy, and developing new and innovative offerings that reflected evolving market dynamics.

He had previously transitioned from Abbey National to EDS in 2001 as Managing Director of EDS Credit Services, the joint venture between Abbey and EDS.  In this role, he was the single point of client contact for the delivery of services to Abbey’s two million mortgage and personal loan customers. At the same time, he was also responsible for the implementation and management of a £40M business transformation program.

Samantha Ferneley

Business Development Executive, BLP Insurance & Consult

Samantha Ferneley has spent 17 years in Construction Insurance dealing predominately with Latent Defects.  She joined BLP in September 2015 to work on the Build Offsite Property Assurance Scheme (BOPAS) to assist in driving forward this initiative to assist lenders when making lending decisions on off-site Construction Methods.





Jaedon Green

Director of Product and Distribution, Leeds Building Society

Jaedon Green has worked in Financial Services for over 25 years, most recently for Leeds Building Society where he is responsible for Product & Distribution.

Prior to joining Leeds, he worked for Lloyds Banking Group, where he lead the rejuvenation of mortgage sales through Halifax, Cheltenham & Gloucester, Bank of Scotland and Lloyds TSB's own distribution channels; responsible for the commercial management of mortgage products, pricing & promotion. His work in product proposition embraced other products, resulting in the highly successful “£100 on the day you switch” campaign, driving a record number of consumers to change bank.





Keith Green

Chief Product Officer, Capita Financial Services Software

Julie-Ann Haines

Customer Director, Principality Building Society

Julie-Ann Haines joined the Principality in 2007, building and developing its award winning e-commerce business. She was appointed to the Board in May 2016, the first female executive director and has been the Society’s Customer Director since 2012 where she is responsible for marketing, distribution and operations as well as having responsibility for the core financial performance of the Society and its Strategy. She was the lead sponsor and negotiator on the 10-year partnership with the Welsh Rugby Union and rebranding their home as Principality Stadium, which launched in January 2016.

Prior to Principality, Julie-Ann has had more than 15 years’ experience of leading customer-focused retail businesses, holding key positions in sales, marketing and technology for companies such as Sainsbury’s and HBOS.

She is the Chair of the UK Finance Wales mortgage committee, which represents mortgage lenders and promotes sustainable housing finance in Wales and also recently contributed to the Cardiff Growth and Competitiveness Commissioners Report, which looked at shaping recommendations for the future economic strategy for the city-region bringing together Welsh Government and 10 local authorities. Julie-Ann also joined the Welsh Government’s Expert Panel on Housing for Older People, in a role that offered guidance to help Government ensure people can continue to prosper in their homes into old age.

Victoria Hartley

Group Editor, Mortgage Solutions & Your Mortgage

Victoria has edited four titles over her 17 years as a journalist, including What Mortgage and Credit Today magazines. In her two and a half years as a freelancer she wrote for The Guardian, Which? Money and Moneywise among a variety of other titles and regularly chairs events for AE3 Media, including video panel debates, broker seminars and awards presentations.








Mohammad Jamei

Senior Economist, UK Finance

 Mohammad Jamei has worked in the mortgage industry since 2014 initially within the economic team for the Council of Mortgage Lenders and now the new financial trade associations UK Finance as a Senior Economist. Mo is responsible for writing the UK Finance ‘Update on Lending’ market commentary, as well as published statistics on arrears and possessions. He also writes interesting and thought-provoking articles for the UK Finance website and has just finished studying for a Masters in Economics at Birkbeck University.

Prior to this, he worked for HM Treasury as a civil servant, on topics relating to the housing market and the household sector.



Stephen Jones

Chief Executive Officer, UK Finance

Stephen Jones has spent nearly thirty years working in financial services including with Santander, Barclays, Citigroup and Schroders. He is currently the Chief Executive Officer of UK Finance, which represents around 300 firms in the UK providing credit, banking, markets and payment-related services.

Stephen was Santander UK’s Chief Financial Officer and a member of the Santander UK Board until October 2015. He joined the company in November 2011. Stephen chaired Santander UK’s product approval and pricing committees for all business lines, as well as its asset and liability, reporting and disclosure committees.

Between 2002 and 2011, Stephen worked at Barclays, for the final 3 years as Head of Investor Relations at Barclays PLC. Previously, he was Managing Director, Head of Financial Solutions Group, Debt Capital Markets and Equity Capital Markets and Co-head of Corporate Investment Banking for Barclays Capital for the Europe, Middle East and Africa.

Before joining Barclays in 2002, Stephen spent 15 years at Schroders (later Schroder Salomon Smith Barney) in a number of corporate client advisory roles. Stephen holds a Law Degree from Queens’ College, Cambridge and is a qualified lawyer. 

Don Kohn

Member of the Financial Policy Committee, Bank of England

As the former vice chairman of the Federal Reserve, Don Kohn is an expert on monetary policy, financial regulation and macroeconomics. He retired from the Board of Governors in 2010.

Prior to taking office as a member of the Board of Governors of the Federal Reserve in 2002, he was an adviser to the Board for Monetary Policy from 2001 to 2002, secretary of the Federal Open Market Committee from 1987 to 2002, director of the Division of Monetary Affairs from 1987 to 2001, and deputy staff director for Monetary and Financial Policy from 1983 to 1987. He also held several positions in the Board's Division of Research and Statistics: associate director from 1981 to 1983, chief of Capital Markets from 1978 to 1981, and economist from 1975 to 1978.
Don Kohn is a senior fellow in the Economic Studies Program at the Brookings Institution.

Matt Lowndes

Managing Director, Coreco

Matt started in the mortgage industry in 2002, after an early career in IT at companies such as Unisys and gave him a strong technology grounding.

In 2009 Matt was one of the main founders of Coreco and a natural choice for MD, where his technology background, degree in Civil Engineering and recently completed MBA make him well-placed to oversee every facet of Coreco’s business and operational strategy.

Matt’s role also involves driving forward Coreco’s technology innovation, running the sales team and managing key business partner relationships. 


Adrian MacDiarmid

Head of Mortgage Lender Relations, Barratt Developments

Adrian has been Head of Lender Relations at Barratt for 9 years and prior to this was Sales Director at a specialist New Build mortgage broker. He is responsible for engaging with all parties involved in the Sales Process, brokers  lenders, valuers and conveyancers, in order to build confidence in the New Build process and to deliver the best possible customer outcomes.


Richard Rowntree

UK Mortgages Director, Bank of Ireland

Richard Rowntree is UK Mortgages Director for Bank of Ireland. Leading the Bank's end to end UK mortgage operation, including product and marketing, sales and distribution and service and operations and digital transformation.

Richard has a breadth of retail banking and mortgage expertise gained from holding senior roles across major banks and building societies. Richard also is a non-executive Board Member of Estuary Housing association.




Martijn van der Heijden

MD Marketplace and Chief Strategy Officer, Habito

Martijn van der Heijden is MD Marketplace and Chief Strategy Officer at Habito. In this role, he leads the drive to innovate new elements of the mortgage customer experience beyond brokerage. 

Martijn joined Habito in April 2017 after an extensive career in retail banking with experience across all key products and areas, but particularly mortgages. Martijn started his career at management consultancy Accenture, and came to the UK for a year to do an MBA in 2002 and has been happily living in London since. He held various roles at HBOS and Santander across Strategy, Products and Distribution. His previous employer is HSBC, where he was UK Head of Mortgages from 2007-2009, UK Head of Retail Products after that and finally Global Head of Mortgages from 2013-20. Martijn served on the board of the Council of Mortgage Lenders from 2007-2013, including nearly two years as its youngest ever Chairman. 

From this background and a track record of delivering transformational change - under his stewardship HSBC’s UK mortgage book doubled in size and it launched the first truly online mortgage application in the country - Martijn now is keen to pick up the pace and drive Habito’s ambition to truly deliver 21st century mortgages.

Graham Vidler

Director of External Affairs, Pensions and Lifetime Savings Association

Graham has worked in pensions for almost twenty years, joining the Pensions and Lifetime Savings Association as Director of External Affairs in 2014.

Before joining Graham had been NEST’s Director of Communications and Engagement for six years. Previously, he had worked in marketing, policy and research roles at AVIVA, Which?, the ABI and the House of Commons.





Jackie Wells

Independent Strategy and Policy Consultant, Jackie Wells & Associates

Jackie is an independent strategy and policy consultant, with 30 years’ experience of working in financial services markets and with related Government departments. She specialises in policy, market analysis, consumer behaviour and regulatory developments in financial services markets. She is currently working on projects concerned with later life borrowing, financial inclusion, pensions’ quality standards and savings behaviour. Jackie has also led policy and research at the PLSA and has been a strategy director with Deloitte.



Greg Went

Interim Head of Secured Lending, HSBC

Greg is responsible for mortgage product and proposition development at HSBC, covering both Residential and BTL Mortgage Products. His responsibilities also include supporting the HSBC intermediary channel expansion and the development of customer journey improvements on both the HSBC and first direct brands. Prior to joining HSBC in November 2015, Greg held similar roles for Nationwide Building society and The Mortgage Works, spanning 10 years.








Derek Wilson

Head of Mortgage Strategy and Distribution, First Trust Bank

Derek Wilson has spent over thirty six years working in Financial Services.  He is currently head of Mortgage Strategy and Distribution for First Trust Bank, Chairman of UK Finance – Northern Ireland Mortgage Committee and a Board member of the Northern Ireland Housing Executive


Headline partner:


Capita is a trusted provider to the financial services sector supplying software and services to administer the whole lifecycle of a loan. We provide end to end mortgage capability, from mortgage and loan origination software, sales and servicing through to litigation and possession.  Our innovative solutions are designed around clients’ needs, with this client-centred approach lying at the heart of our business.



T: 01225 773006

Supporters include:


DPR is a leading provider of origination and servicing solutions for mortgages, loans and savings for banks, building societies and specialist lenders. Our solutions deliver high levels of process automation, streamlining the underwriting and processing of new applications and the administration of live accounts. The system supports multiple brands and distribution channels.

P: 020 7553 8331 


LMS is the UK’s leading provider of conveyancing panel management services with over 25 years of experience in delivering the highest quality bespoke services to meet the individual needs of each of our client partners. We provide both individual product delivery and full management and oversight of wider transaction panels.



Mortgage Clarity

Logo for Mortgage Clarity

Mortgage Clarity is an industry wide PSD (Product Sales Data) Aggregator which allows unparalleled insight into your company’s performance against 97% of the UK mortgage market constituted by CML member organisations. Everything from interrogating your sales channels, with broker by broker breakdowns, through to benchmarking your own average LTV rates by region can be conducted in a simple, visual and accessible manner.


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 aspire to become a digital-first organisation by 2020, and have introduced Digital Discharge Service, which dramatically increases efficiency in the mortgage security discharge process.



Target Group are a leading provider of BPO and operational transformation, specialising in the provision of Lending, Investments and Savings services. We create value through partnering with our clients to transform their customer journey and operations by leveraging our financial services domain expertise and flexible platform-based servicing approach.

To find out more on how they can help you to compete in today’s rapidly evolving marketplace, visit their website or call 0845 650 6200.









Congress Centre

28 Great Russell Street

Nearest tube:

Tottenham Court Road (Central line and Northern line)

Nearest overground station:

Charing Cross (Bakerloo and Northern lines)

Contact us

Jenna Yeap

Telephone: 020 7706 3333

Supported by