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.


27 June 2017

Time: 9:45am – 4:30pm
Venue: ILEC Conference Centre, London
Price: £195 (VAT exempt) members
£195 (VAT exempt) associates
£250 (VAT exempt) non-members
MortgageTech UK 2017

About this event

Having a robust, forward-thinking and customer-focused digital strategy is fast becoming one of the most important considerations for lenders, but how can we ensure that we're getting it right and remain compliant?

This one-day event supported by headline sponsors Countrywide Surveying Services and Landmark Valuation Services explored the myriad issues surrounding technology in the mortgage market, and looked at the advantages and potential pitfalls, best practice and showcasing the latest FinTech advances.

  • How are advances in technology affecting the mortgage market?
  • What do customers expect from their mortgage providers?
  • How do you ensure your digital strategy works with UK mortgage regulation?
  • Why do we need more technology – is it a solution looking for a problem?
  • How do you integrate new technology into existing systems?
  • How do you mitigate the risk of fraud?
  • What progress is being made in FinTech in other industries?
  • Which solutions are working for lenders?
  • How is technology being integrated into successful marketing strategies?

The conference provided answers to all these questions and many more, whilst attendees enjoyed the opportunity to network with like-minded industry peers.

Topics included:

  • Enhancing customer experience
  • Open and mobile banking
  • Systems and software integration
  • Artificial Intelligence (AI) and robo-advice
  • Customer behaviour and big data
  • Sales, marketing and distribution
  • Cyber resilience, fraud and data protection
  • Advice and regulation

See the full programme for this event.

This event was aimed at:

Anyone involved in digital strategy for mortgages, including technology teams, business development, products and product development, marketing, sales and distribution, compliance, customer experience, commercial, transformation and operations.

Feedback from the CML's 2016 digital innovation conference:

"I truly never thought I would leave the day so inspired and excited about the future. Made some great contacts that will help my business plan for the future. A great event and thank you!"

"An excellent benchmark to understand the current state of technology thinking in the mortgage market"

"Very good session and diverse agenda"

"An excellent event to be at, all the presentations were relevant to where lenders and the industry want to be in terms of technology"

"Excellent event with thought provoking and lively content"

"Really interesting. Really broad too. All about digital in an applied, real world sense"

"Very cutting edge and eye opening!"

**This event is closed to press**


0845 - 0945


Registration and refreshments

0945 - 0955


Welcome and introduction
Sue Rossiter, Senior Policy Adviser, Council of Mortgage Lenders

0955 - 1025


The changing face of residential surveying and valuations
Chris Bolam, Head of Product, Landmark Valuation Services
Paul Wareham, Managing Director, Countrywide Surveying Services

  • Aligning resources to lenders’ risk profiles;
  • Multi-channel valuation technologies;
  • Desktop valuations and AVMs and the role of automation;
  • Fraud prevention and risk management 
1025 - 1050  

Digital change and mortgage borrowers research findings
Stirling Bookallil, Credit Practice Lead UK & Ireland, Accenture

  • How digital technologies are transforming the customer's mortgage experience
  • How digital technologies have been adopted across global markets, beyond the UK
1050 - 1120  


Welcome &

(1120 - 1150)









(1150 - 1210)




(1210 - 1230)






1230 - 1330


(1330 - 1350)





(1350 - 1420)



(1420 - 1440)


(1440 - 1500)

Room 1: Customer experience Room 2: Cyber resilience Room 3: Systems and software

Chair: Sue Rossiter, Senior Policy Adviser, Council of Mortgage Lenders

Chair: Jennifer Bourne, Senior Policy Adviser, Council of Mortgage Lenders

Chair: Joe Pepper, Managing Director, EDM              

Lifting the lid on the digital experience of mortgage customers
Nick Chadbourne, Chief Operating Officer, LMS          

Current legal trends and case studies 
Georgina Squire, Head of Dispute Resolution, Rosling King LLP



The art of the possible
Spencer Wyer, Global Chief Technology Officer, EDM

  • Focusing on future trends in technology and the impact on the mortgage market    

Joining the dots
Richard Bretherton, Chairman, Ochresoft Technologies Limited

Profile of a fraudster
Graham Cochran, Forensic Director, KPMG


How data and technology is transforming workplace practice at Nationwide Building Society
Rob Stevens, Head of Property Risk, Nationwide

Mortgage Transformation - a case study
Paul Howley, Head of Shared Services, YBS

Latest findings of the global information security survey
James Turpie, Senior Manager, Advisory Services, EMEIA Financial Services, EY

Understanding the implications of location
Gill Dickson, Sales Manager and Strategic Alliances, Airbus Defence and Space     

  • Perils risk assessment
  • Geographic concentration of portfolios
  • Visualisation of contextual information
Room 1: Customer Experience Room 2: Sales, distribution and marketing

Room 3: Systems and software

Chair: Sue Rossiter, Senior Policy Adviser, Council of Mortgage Lenders

Chair: Henry Woodcock, Principal Mortgage Consultant, IRESS

Chair: Joe Pepper, Managing Director, EDM

Vulnerability and technology
Jon Hickman, Chief Executive Officer, Flexys Solutions

How data can help you have the right conversations with the right people
Nick Wakeham, Business Development Director, Mortgage Clarity


Lender case study
Maria Harris, Director of Retail Mortgages, Atom Bank

Technology advances - Walking in the customer's shoes

Sarah Green – Director, Business Development – Mortgages, Savings and Unsecured, Sutherland

Mark Brady, Principal Design Researcher, Sutherland

How technology is changing the broker market
Ishaan Malhi, Chief Executive Officer, Trussle

Block chain
Amit Bajaj, Head of Fintech and Innovation Products, Infosys

Digital mortgage and e-signatures

Andrew Graham, Senior Product Manager, Land Registry

Digital transformation is a journey, not a destination
Henry Woodcock, Principal Mortgage Consultant, IRESS

Peer to peer lending
Julian Cork, Chief Operating Officer, Landbay

What does open banking mean for customers?
Phill Gillespie, Chief Product Officer, Money Dashboard

Digital Outcomes Testing

David Mackay, Manager - Regulatory Advisory, EY

  • Digitally monitoring KRIs can provide management with real time data
  • Ability to be agile in decision making and actions resulting in fair outcomes for customers

Overcoming the challenges of technology implementation panel
Maria Harris, Director of Retail Mortgages, Atom Bank

Rob Stevens, Head of Property Risk, Nationwide

Spencer Wyer, Global Chief Technology Officer, EDM



1500 - 1530




1530 - 1550  

Antony Jenkins, Founder and Executive Chairman, 10x Future Technologies Ltd

1550 - 1620  

Realising the benefits of RegTech
Jonathan Drechsler, Head of Business Development, Recordsure

1620 - 1630  

Chair's closing remarks



Chair: Sue Rossiter

Senior Policy Adviser, Council of Mortgage Lenders

Sue Rossiter has more than 15 years’ experience of regulatory policy development as both a civil servant and in a trade association setting. She joined the CML as a Senior Policy Adviser in November 2015. Drawing on her experience working in organisations including the Financial Ombudsman Service; OFGEM; the Office of the Rail Regulator; and the Remote Gambling Association, Sue specialises in conduct regulation at the CML.



Chair: Cyber resilience - Jennifer Bourne

Senior Policy Adviser, Council of Mortgage Lenders

Jennifer Bourne joined the Council of Mortgage Lenders in 2010, and covers legal, financial crime, valuation and new-build issues. She is admitted as a Barrister and Solicitor in her home country of New Zealand, where she held a number of policy and advocacy roles. Since arriving in London, Jennifer worked briefly for a criminal defence law firm, before joining the Association of British Insurers as a policy adviser.


Chair: Sales, distribution and marketing stream - Henry Woodcock

Principal Mortgage Consultant, IRESS

Henry Woodcock has worked for nearly 30 years in the mortgage market both as a lender and as a solutions vendor. Henry has implemented mortgage solutions across a variety of UK lenders and also provided consultancy to lenders in Europe, Africa and Australia.

Henry is the mortgage lending spokesperson for IRESS and writes regular blogs and articles for the press and online journals as well as speaking at industry events.




Chair: Systems and software stream - Joe Pepper

Managing Director, EDM

Joe Pepper has delivered outsourced technology-led solutions to the financial services industry for 20 years, focusing exclusively on the mortgage market in the last 3 years as MD, EDM Mortgage Support Services. Automating a range of back-office processes for a leading UK lender and launching the EDM PRISM product to enhance property risk decision-making has been a key focus, demonstrating the many benefits of automation to the industry.





Keynote: Antony Jenkins

Founder and Executive Chairman, 10x Future Technologies Ltd

Antony Jenkins is a business leader and entrepreneur. He is Founder and Executive Chair of 10x Future Technologies Ltd, Group Chairman of Currencies Direct, and board member of Blockchain.

He is Chairman of Business in the Community, Chair of the Institute for Apprenticeships, and Chair of Equaled. He sits on the Digital Advisory Board of Fannie Mae and is a member of the Consultative Working Group of ESMA. He was Group Chief Executive of Barclays plc for three years until July 2015.



Amit Bajaj

Head of Fintech and Innovation Products, Infosys

Amit Bajaj has worked for close to 20 years in change management and technology advisory for the financial services industry. Amit currently leads the Fintech and Innovation products group and advises on solutions in Artificial Intelligence, Analytics,  Blockchain, Robotics etc. He has implemented several flagship initiatives across Lending, KYC, Credit Portfolio Management, Risk and Treasury for large retail and institutional banks, leading global teams of more than 200 professionals.




Chris Bolam

Head of Product, Landmark Valuation Services

Chris Bolam is an experienced Digital Product Development specialist. Chris joined Landmark Valuation Services (formerly Quest) in June 2016 as Head of Product, having previously worked at Amazon, and Vodafone in digital product management positions. Chris is responsible for product strategy and development and is leading a transformation programme, which is part of a multi-million pound internal investment in Landmark’s mortgage valuation products and services.





Stirling Bookallil

Credit Practice Lead UK & Ireland, Accenture

Stirling Bookallil is a Managing Director in Accenture’s Financial Services Banking practice and leads Accenture’s Credit Services for UK/I.





Mark Brady

Principal Design Researcher, Sutherland

During Mark Brady’s 12 years of industry experience he’s worked at several leading research labs, collaborating with global brands in the media, telecoms, finance, entertainment and public sector. With degrees in Cognitive Science and Human-Centred Computer Systems, and a doctorate in Sociology, he’s a vital cog in Sutherland’s collective brainpower – and a keen cyclist and bass guitarist in his spare time.




Richard Bretherton

Chairman, Ochresoft Technologies Limited

Richard Bretherton is the Chairman of Ochresoft Technologies Ltd, a software house specialising in business process optimisation, specifically for the legal applications market. 

Richard is a senior corporate lawyer who, prior to his appointment in 2010 as CEO of Ochresoft, has worked both in industry and in private practice. With the appointment of another lawyer, Robert Sanderson, as Managing Director of Ochresoft in January 2017, Richard moved to the position of Chairman.




Nick Chadbourne

Chief Operating Officer, LMS

Nick Chadbourne has over 15 years' experience in the financial services sector holding senior positions at HBOS and a number of national mortgage and insurance brokerages before joining LMS in 2016.




Graham Cochran

Forensic Director, KPMG

Graham Cochran is a director in KPMG's forensic team who has significant experience in relation to complex financial and fraud investigations, dispute advisory services, expert witness and a wide range of other matters where clients have required to ascertain the facts. 




Julian Cork

Chief Operating Officer, Landbay

Julian Cork is Chief Operating Officer and board member of Landbay where he oversees all operational aspects of the business, including Financial Conduct Authority regulation. Prior to Landbay, Julian held executive roles at JPMorgan and Macquarie Group in New York, London, Tokyo and Sydney. Julian is also a Non-Executive Director of Bud Financial and sits on various advisory boards in the wider fintech space.

Gill Dickson

Sales Manager and Strategic Alliances, Airbus Defence and Space

Gill Dickson is a Business Development Manager in the Airbus DS Intelligence programme line, with a long track record in the promotion of emerging technology and disruptive business models. Gill has worked with the insurance and mortgage lending markets to provide business intelligence for perils risk assessment and claims management.






Jonathan Drechsler

Head of Business Development, Recordsure

Jonathan Drechsler has over ten years of experience in financial services, managing client relationships for both service and technology solutions. He joined Recordsure with a proven track record of delivering quality customer experience to a large number of banks and insurers, including five years at PwC where he led the regional financial services business development team.


 Phill Gillespie

Chief Product Officer, Money Dashboard

Phill Gillespie is responsible for the Product Vision of Money Dashboard "to help people be better with money and achieve their financial goals".  He's driven by a passion for Lean Startup Principles and Scrum, and the psychology that underpins them both. Phill's previous work includes project managing award-winning mobile apps, creating a world-first data insights platform, and expanding the effectiveness of a leading Natural Language Processing company.


Andrew Graham

Senior Product Manager, Land Registry

Andrew Graham has worked in the public sector for over 15 years. During his time at Land Registry, Andrew has held a diverse range of posts including legal casework, sales/account management, performance analytics and product management.

Today Andrew is the Senior Product Manager for Land Registry transactional services.

Sarah Green

Director, Business Development – Mortgages, Savings and Unsecured, Sutherland

Sarah Green has 17 years' third party mortgage servicing experience. She has worked at Sutherland for the last year and prior to this in business development at Capita Mortgage Services. She also spent 13 years at Homeloan Management Ltd (now Computershare), in business development and various operation roles. Sarah is a Green Belt in Lean Sigma, has completed CeMap paper 2, a Diploma in Management and a Certificate in Outsourcing Practice. 







Maria Harris

Director of Retail Mortgages, Atom Bank

Maria Harris is Director of Retail Mortgages at Atom Bank. Responsible for all things mortgages, Maria is building a new brand from the ground up engaging and attracting customers to a proposition designed solely for digital. With over 20 years’ experience in management, Maria has held roles across a number of sectors including travel, utilities and more recently in financial services.  


Jon Hickman

Chief Executive Officer, Flexys Solutions

Jon Hickman started his career 30 years ago pioneering the first automated litigation systems for retail credit. Experience across Banking, Telco, Utilities and government clients in the UK, EU, Asia, Africa and the USA provides alternative perspectives on best practice collections solutions. Jon has worked in senior positions in US and UK digital collections providers before founding Flexys with a mission to bring fresh thinking and innovative technology to the market.


Paul Howley

Head of Shared Services, YBS

Paul Howley joined YBS in 2014 as Head of Shared Services. He is responsible for the transformation programme for mortgage customer and broker experience. Prior to joining YBS, Paul had a variety of roles in Operations, IT and Change Management within Financial Services, Utilities, Airlines and Consulting.







David Mackay

Manager - Regulatory Advisory, EY

David Mackay has worked for the last 17 years within mortgage brokering, lending and third party administration businesses.  David has performed roles across all three lines of defence and more recently; a risk advisory role within EY’s Retail Banking sector. 

David’s role involves the delivery of regulatory programmes covering digital transformation, conduct reviews and is a member of EY’s digital risk and mortgage solutions developing innovative solutions for the retail sector.






Ishaan Malhi

Chief Executive Officer, Trussle

Ishaan Malhi founded Trussle in August 2015 and is Chief Executive Officer. Ishaan was previously a Mortgages and Real Estate Analyst at Bank Of America Merrill Lynch, and Entrepreneur in Residence at Playfair Capital where he worked with and invested in early-stage tech companies.







Georgina Squire

Head of Dispute Resolution, Rosling King LLP

Georgina Squire is Head of Dispute Resolution at Rosling King LLP.  She is a committee member of the London Solicitors Litigation Association (LSLA). She is also a member of the City of London Solicitors’ Association, amongst other organisations. 



Robert Stevens

Head of Property Risk, Nationwide

Robert Stevens has a 15 year career spanning financial services at Portman and Nationwide Building Society. Rob's focus has always been on challenging the status quo to improve customer satisfaction and drive business success.

Specialising in mortgage policy, regulation, underwriting, conveyancing and valuations, Rob founded the Property Risk department at Nationwide in 2013, to provide a sustainable valuation solution for the future and introducing PRISM and the insourcing of panel management for Nationwide and The Mortgage Works.





James Turpie

Senior Manager, Advisory Services, EMEIA Financial Services, EY

James Turpie joined EY’s Advisory Services in 2010. He is responsible for cyber solutions in regions and has delivered high profile engagement in the UK and Europe. James has been working in security solutions for over 20 years. He regularly presents at industry events and hosts a security client roundtable.







Nick Wakeham

Business Development Director, Mortgage Clarity

Nick Wakeham has over a decade of working within the mortgage industry.  Firstly as Commercial Director with the intermediary titles Mortgage Strategy and Money Marketing, providing bespoke advertising and research solutions. Now at Mortgage Clarity, Nick helps CML members unlock the opportunities open to them by combining mortgage sales data with broker data to create effective and efficient sales, distribution and marketing strategies.





Paul Wareham

Managing Director, Countrywide Surveying Services

Paul Wareham joined Countrywide in 2013 after 30 years with Lloyds Banking Group. Whilst in Surveying Paul delivered an industry leading Trainee programme together with a New Target Operating Model which together focused on delivering opportunities to develop and reward their people; and a real focus on customer service. Now looking after Conveyancing Services as well as Surveying, Paul’s focus is on changing the culture and business to deliver change to ensure that the business is equipped for a competitive future. 


Spencer Wyer

Global Chief Technology Officer, EDM

Spencer Wyer is responsible for architecting EDM’s Axis platform which integrates leading edge; Digital Mailroom, Intelligent Capture, Content Management, Business Process, Enterprise Search, Smart Data and Output Management technologies as a single end to end platform as a service. In the mortgage market Spencer is the executive sponsor of EDM PRISM, EDM’s property risk hub helping to automate the mortgage process.

Headline sponsorship

Countrywide Surveying Services

Countrywide Surveying Services has continued to grow and now undertakes 30 per cent of all surveys in the UK. It is home to over 450 employed surveyors, making it the largest firm in the market. In addition it recently won Best Survey Provider in the 2016 What Mortgage Awards.


Landmark Valuation Services

Landmark Valuation Services logo

Landmark Valuation Services (formerly Landmark Quest) offers a comprehensive suite of products which cover all aspects of property valuation for Lenders, Surveyors, and Surveyor Panel Managers.

Landmark Valuation Services technology has been securely, reliably and successfully facilitating the valuation of UK residential property since 1982.

Its Secure Panel Network (SPN) provides the reliable data backbone that has underpinned the mortgage valuation industry for decades. In addition, its integrated portfolio of products includes the Valuation Risk Management solution; the award-winning Q-Guard risk management and fraud detection tool; plus the popular Q-Mobile software, which has won several awards for delivering efficiencies to the residential surveying sector. 

To find out more, view Landmark's VRM video here.


Stream sponsors

EDM Mortgage Support Services

EDM logo

EDM Mortgage Support Services supports UK lenders in their journey to the digital future. EDM software products automate processes and help more than 25 UK lenders securely exchange data with other UK mortgage market participants including valuation professionals, conveyancers, brokers, receivers and data providers. To discover how EDM PRISM is helping a leading UK lender give customers a Decision in Principle on UK properties in less than a minute watch our short video.



LMS is the UK’s pre-eminent provider of conveyancing panel management services with over 25 years’ experience delivering the highest quality bespoke services to meet the unique needs of each of our clients.

LMS specialises in providing this full suite of conveyancing services to some of the UK’s largest national mortgage lenders as well as key intermediary referrers and each year, LMS manage over 150,000 transactions. LMS sets the benchmark by which the market is measured.


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.



Capita Mortgage Software Solutions

Capita Mortgage Software Solutions (CMSS) is a leading provider to the financial services industry, covering the whole lifecycle of a loan. Their mortgage and loan origination and servicing software is designed to optimise your business, providing smarter technology, greater efficiency and better customer outcomes. They build a solution that meets your needs.


DPR Consulting and 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.


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 recently introduced the Digital Discharge Service, which dramatically increases efficiency in the mortgage security discharge process.





To discuss these, or any other sponsorship options for this event, please contact




ILEC Conference Centre

47 Lillie Road

Nearest train stations:

West Brompton (District Line and Overground) - 2 mins walk

Earls Court (District and Piccadilly Lines) - 8 mins walk

Venue website


ILEC is a quarter of a mile (400m) from the A4, providing easy access to the M4, M5 and M40.


Please note, that this is a Central London location so parking is limited and relatively high-cost. There is a car park in the basement of the hotel with 140 parking bays, but delegate parking cannot be guaranteed.

Event resources

Contact us

Laura Marshall

Telephone: 08453736771

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