Mortgage Finance Gazette Conference 2016 :: Welcome
17th March 2016
Millennium Gloucester hotel Kensington

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The Changing Landscape of the Mortgage Market: Growth and Innovation

Mortgage Finance Gazette is proud to present its second conference looking at change, growth and innovation in the mortgage market.

Join us and your peers and be part of a major networking opportunity where you will hear presentations from top industry figures on the key issues surrounding the housing and mortgage markets.

Topics covered will include lender's products and services, distribution, responsible lending, lending into retirement, interest-only mortgages, buy-to-let, competition in the mortgage market... and much more.

In the evening Mortgage Finance Gazette is hosting a gala dinner where you can entertain guests and colleagues, network with industry peers and enjoy after dinner entertainment.





8.30am      Registration and coffee

9.30          Joanne Atkin, Editor, Mortgage Finance Gazette

Welcome and introduction

9.40           Peter Curran, Managing Director, Financial Services, Countrywide

Peter discusses the relationship between lenders and brokers

10.00        Peter Rogerson, Commercial Director for Mortgages, Virgin Money

"Is the 25 year mortgage dead?"  Peter will discuss how customer needs are changing, how flexibility is becoming a key requirement and why the 25-year mortgage formula is becoming less appropriate. He will also discuss the issues customers face and how mortgage lenders and intermediaries can work effectively to deliver flexible solutions that help people buy their home.

10.20        Hans Geberbauer, Chief Executive Officer, Foundation Home Loans

One year in as a buy-to-let mortgage provider, Hans will discuss the challenges of setting up as a new lender, the changing landscape of the market and what the future holds.

10.50        COFFEE BREAK

11.20        Anthony Radford, Regional Manager, TSB

As a new lender, Anthony asks, “What lessons can be learned from a one year old?”

11.40        Colin Fyfe, Chief Executive, Darlington Building Society

Darlington Building Society celebrates its 160th anniversary this year and has restructured and rebranded. Colin will explain that as a regional building society it has much to offer, not just within the local community which is integral to its ethos, but to the wider mortgage market.

12.00        Paul Broadhead, Head of Mortgage Policy, Building Societies Association

Paul will give an update on keeping up with the changing demands of an ageing population.

12.20        Panel session with the morning’s speakers

12.50        LUNCH

2.00pm    Paul Smee, Director General, Council of Mortgage Lenders

Paul will cover a range of topics from the latest Government and regulatory moves on buy-to-let through the FCA thematic and competition studies to the question of what effect the latest raft of Government schemes will have on the market. He will aim to follow up any other issues of topical interest at the time of the conference.

2.20           Mike Jones, Managing Director, Intermediaries & Specialist Brands, Lloyds Banking Group

"Where have all the remortgages gone?" Mike will look at product transfers incorporating essential considerations such as technology and customer behaviour.

2.40           Keith Street, Vice Chair of Lending, Kensington

Speaking on behalf of the recently-formed Northview Group, which includes Kensington, New Street Mortgages and Acenden, Keith will investigate the question “Where will innovation come from?”

3.00           COFFEE BREAK

3.30           John Eastgate, Sales and Marketing Director, OneSavings Bank

"Innovation for real". What does innovation mean in reality in today's market environment?

3.50           Robert Owen, Director - Specialist Mortgages, United Trust Bank

The European Mortgage Credit Directive will be introduced on 21 March 2016. Robert will look at the changes in the second charge market place and how regulation had developed since the Consumer Credit Act was implemented in the 1970s and what this may mean for the future.

4.10           Panel session with the afternoon’s speakers

4.40           Closing comments

4.45           End



Paul Smee, Director General, Council of Mortgage Lenders

Paul studied Literae Humaniores at Wadham College, Oxford, graduating in 1978. He has spent much of his career running membership based trade associations in the financial services area.

Paul became Director General of the Council of Mortgage Lenders on 1 August 2011 and has been involved in a series of regulatory and housing market initiatives since then, such as Help to Buy.  He has expanded the membership of the Council and has especially looked at how it serves smaller lenders.  He was previously Chief Executive of UK Payments, a post which he held for six years, setting up, and running the UK Payments Council, which sets strategy for collaborative payments in the UK.  He was very involved with the introduction of the Faster Payments Service in 2008; and in the production of the UK’s first National Payments Plan.

Paul was the founding Director General of the representative body for independent financial advisors, formed in 1999. He developed the organisation to the point where it represented over 70% of the market and was influentially involved in regulatory developments in the sector. He was also instrumental in the formation of the Association of Mortgage Intermediaries in 2003.

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


Paul Broadhead, Head of Mortgage Policy, Building Societies Association

Paul was born in Manchester and started his career with the then Halifax Building Society. He played a key role in the implementation of FSA mortgage regulation within Halifax plc in 2004.

He joined the BSA and set up its mortgage team in November 2008. Paul is a frequent media commentator and conference speaker on matters relating to mortgages and housing in the UK. He is also a member of the Consumer Policy Working Group of the European Association of Co-operative Banks.


Mike Jones, Managing Director, Intermediaries & Specialist Brands, Lloyds Banking Group

Mike assumed the role of Director of Intermediaries in October 2011, with the launch of the new Lloyds Banking Group Intermediary Business.  In this role, Mike leads and co-ordinates our relationships with Intermediaries, through management of the Mortgage Intermediary and Scottish Widows Bank businesses. He is now also responsible for LBG’s Birmingham Midshires,  Intelligent Finance and stockbroking businesses. Prior to this, he has had a variety of roles across Lloyds and Lloyds TSB since 1985.

Mike graduated with a BA in Chemical Engineering at Trinity College, Cambridge and is an Associate of the Chartered Institute of Bankers (ACIB) and a Fellow of the Chartered Institute of Bankers in Scotland (FCIBS).

He is married to Kathleen and has two teenage boys, Ben and Will. Outside work Mike enjoys golf erratically, travel and he has been a member of the Campaign for Real Ale for over 20 years!


Anthony Radford, Regional Manager, TSB

Anthony joined TSB in May 2014 as part of the project to engineer the bank’s entry into the intermediary mortgage market.  TSB has delivered a different proposition to the intermediary market based on doing the basics brilliantly, with warmth and consistency. Anthony has 25 years’ experience in mortgage related financial services, ranging from National Account Manager at Halifax, MD of HSPF and Sales Director with GE


Colin Fyfe, Chief Executive, Darlington Building Society

Colin was born in Larkhall, Scotland in 1967 and having declined the temptation to follow 4 previous generations of the “Dundas Fyfe clan” into life as a Funeral Undertaker joined Clydesdale Bank (part of National Australia Group).  Colin worked for National Australia Bank Group for 29 years across many different areas of the business, in the UK and Australia.

Colin is continually focused on the development of staff, as the most important assets and is committed to providing opportunities to help them grow.  This also expands into his involvement with a number of charitable and social organisations as a board member or mentor.

In April 2014 Colin was appointed as Chief Executive of Darlington Building Society and is leading the Society towards its next chapter titled Building for the Future.


Keith Street, Vice Chair of Lending, Kensington

Keith has been involved in retail financial services for 30 years, covering all aspects of the industry. For the past 20 years he has worked mainly in the mortgage market and held senior positions at lenders such as HBOS, Citibank, and Nationwide.

He joined Kensington in 2002 as Sales Director and was made Head of Kensington in 2008. Keith was awarded the Lifetime Achievement Award by Mortgage Finance Gazette in 2015.


John Eastgate, Sales and Marketing Director, OneSavings Bank

John joined OneSavings Bank in June 2012 and is responsible for  sales, marketing and product management  in the Kent Reliance, InterBay and Prestige lending brands.  Since graduating from university with an electrical engineering degree, 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.


Robert Owen, Director - Specialist Mortgages, United Trust Bank

Robert has over 30 years of experience in the UK banking and building society sectors and has held positions at the highest levels of management. Previous roles have included Divisional Director at Lloyds TSB, Chief Executive at Matlock Bank where in 2000 he founded London Mortgage Company, and more recently establishing a consumer finance business for the West Bromwich Building Society – White Label Lending.

Robert was also the Senior Independent Director at Al Rayan Bank plc, undertaking the roles of Chairman of the Audit Committee and taking over as Chairman of the Bank during the change of ownership in 2013.


Peter Curran, Managing Director, Financial Services, Countrywide

Peter joined Countrywide in June 2015 from Lloyds Banking Group where he worked for more than 20 years. Previous roles include Director of Strategic Partnership Management and Accounts at Lloyds Banking Group, and Head of Distribution for Bank of Scotland and Intelligence Finance Mortgages.


Hans Geberbauer, Chief Executive Officer, Foundation Home Loans

Hans has over 15 years of experience in the residential mortgage market in the UK and Europe.  After qualifying as a solicitor with Allen & Overy’s securitisation practice in 1999, he went in-house as Chief Counsel and MD of GMAC ResCap in 2002, looking after ResCap’s non-US residential mortgage operations.  In 2009, he became MD Strategic Operations with responsibility for the restructuring and sale of European operations.

In 2010, he joined Fortress as Co-COO and was appointed as CEO of Paratus AMC in 2014. Following the successful launch of Foundation Home Loans in February 2015, Hans and his team are now working on some exciting new developments for the lender in 2016.


Peter Rogerson, Commercial Director for Mortgages, Virgin Money

Peter is responsible for the mortgage strategy and the intermediary sales function and has been at Virgin Money since it acquired the former Northern Rock plc business. Peter has been in the financial services industry for over 30 years in a variety of commercial roles. 

Whilst his main home is in Manchester he has become an honorary Geordie based at Virgin Money's office in Newcastle. He is passionate about improving the customer proposition and believes that the next generation deserve the same opportunities that he received when he first bought a home. 

When he is not musing about mortgages he supports Rochdale football club. 


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The Venue

Millennium Gloucester Hotel London Kensington

A four star hotel located opposite Gloucester Road Underground Station in South Kensington with excellent conference facilities.

4-18 Harrington Gardens, London, SW7 4LH




Delegate Fees

The day delegate rate including refreshments and lunch is £399. Tables of 10 for the dinner cost £1,750 with individual places priced at £225.

Individual conference delegate places and individual seats for the dinner can be booked online. Click here to register

For Group booking discounts for 4 or more places or table sales for the dinner please contact with your enquiry or call 020 8253 4608.

All prices are subject to VAT at 20%


Contact Us

For further information or to enquire about group bookings or sponsorship opportunities please contact:


Dan Miller, Publisher of Mortgage Finance Gazette.

Tel: 020 8253 4608