Due to essential maintenance, our websites will be unavailable on Saturday 21st November, from 11:00am - 12:00pm.
So we’re partnering with some of the best.
Our headline sponsor is Legal & General, who’ll be offering their expertise on mortgages, protection and equity release, as well as sharing details of the latest technology and innovations and the Legal & General Mortgage Club – the largest in the UK.
You’ll hear from industry leaders on the most pressing issues facing mortgage professionals:
Our speakers will welcome your questions and contributions during the panels. And you can continue the conversation as you network in refreshment breaks and at lunch. Your ticket includes a light breakfast, lunch and refreshments throughout the day.
You’ll be able to count six hours towards your continuing professional development (CPD) if you attend the Mortgage Conference. You can find out more about our CPD programme and activities by visiting our website.
Wednesday 19 April 2023
Congress Centre, 28 Great Russell Street, London WC1B 3LS
08.45 to 17.30
LIBF members: £55
This is a tentative agenda, subject to change. Final agenda and speakers will be posted closer to event date.
Legal & General is a provider of insurance, savings and investment products. The group offers individual and group protection plans, pensions plans, annuities, mortgages and general insurance products. It offers insurance products for life, home, building, property, car, and mortgage life. It also offers travel insurance, pet insurance, critical illness cover, lifestyle cover, retirement products, pension products and investment and saving products.
Furthermore, Legal & General offers claims management services, mortgage advisory services and risk management solutions. The group serves individuals, families and business customers. It operates in the UK, the US, Japan, Ireland, Hong Kong, and Bermuda.Website: https://www.legalandgeneral.com
With over 20,000 members, Air is the leading, later-life lending platform.
Enabled by technology, knowledge and people, Air offers advisers and lenders:
Air consists of:
BM Solutions is dedicated to supporting intermediaries, who can access their competitive products and award-winning service through their forward-thinking technology, BM Solutions Online. They aim to support the traditional sector of the buy-to-let market for landlords with small to medium-sized portfolios.
BM Solutions' team of experienced BDMs have consistently been there to complement their consistent and award-winning five-star service. They’re continually refining their products and criteria to suit the needs of intermediaries.
The Equity Release Council represents the equity release sector. It exists to promote high standards of conduct and practice in the provision of, and advice on, equity release with consumer safeguards at its heart.
These standards and safeguards have allowed the sector to grow. They have given financial advisers and their customers confidence in the products and dispelled myths about equity release. And they have educated the public about the potential to access the wealth in their home for a variety of uses.
The reputation and standing of the brand – and the trust developed – has seen its membership grow, bringing the sector together and helping it strengthen its voice. Providers of equity release plans, solicitors, intermediaries, financial advisers, consultants, surveyors and other industry professionals are all committed to the principles of membership.
The Council builds on this unified voice of its members, while remaining independent from the specific views of individual member firms or particular segments of the equity release market.
Halifax Intermediaries want to make life as easy as possible for mortgage professionals and are committed to providing and delivering excellent products and services to advisers and their clients.
Halifax Intermediaries product proposition includes home-movers, remortgages, large loans, new build, help-to-buy and affordable housing.
Mortgage advisers can also secure a great new deal for existing Halifax clients and retain their business with Halifax Product Transfers and Further Advances.
LiveMore are the go-to lending partner for all cases aged 50 to 90+.
Bringing a ‘can-do’ approach to lending for this age group, they welcome all kinds of income to give intermediaries and their clients maximum borrowing power, while considering an extensive range of property types.
LiveMore are also known for their premium levels of service, always from a dedicated team of real people. So even when it's not your average case, an intermediary’s client always gets a fair hearing.
Launched in 2020 as an interest only lender, LiveMore now offer a broad range of products from interest only to capital repayment. In a momentous 2022, they launched in Scotland and released 2 new products including a first Capital & Interest range, winning 4 industry awards along the way.
Keep an eye out for LiveMore in 2023, which is set to be another year full of exciting developments.
For over 20 years, New Leaf’s core principle, has been to train new entrants into the industry and to give advisers a platform to build their own business.
New Leaf is a champion for new independent financial advisers and mortgage advisers. Their motto is that members “should be with a network that knows their name”. Members should not be just another number but decide to be happy with a network they can trust.
Pure Retirement was founded on the belief that everyone deserves to enjoy their later years, with a culture of putting our customers first.
Trading since January 2014, we allow our customers to access the value tied up in their homes and we’ve built a reputation for delivering first-class support to our customers and brokers alike and for delivering products aligned to the customer rather than the financial metrics that sit behind them.
Well known throughout the industry for our outstanding service levels, and we’ve won over 25 industry awards. We’re proud to boast the largest Intermediary Sales division to cater for adviser needs, including regional BDMs and Telephone BDMs.
Scottish Widows Bank is Lloyds Banking Group's specialist mortgage provider in the offset and professional markets, offering all its products exclusively through the intermediary market.
It’s focused on the offset market for all clients, lending to professional clients and developing a clear understanding of the needs of customers with large loans.
Over the last 12 months the bank has taken its proposition significantly further with initiatives designed to enhance its products and service. This has included a separate range of products for large loans, later life along with enhancements to its interest-only policy.
Launched on 18 November 2019, its Premier Mortgage Service is built around the established expertise of its dedicated relationship managers. On hand to help mortgage advisers with large-loan clients, the team offers tailored, expert support.
Standard Life Home Finance offers a later life lending solution designed to put you and your clients in control of a brighter financial future.
Their lending approach is clear, competitive, and client-focused, making them the lender you can trust to put you and your clients first. They are providing the support and tools you can count on to recommend lifetime mortgage plans and submit your applications without any fuss.
With competitive rates, a powerful brand name and a wide range of lending features, you'll have the confidence to deliver a better later life outcome for your clients.
We help mortgage advisers achieve the career you’ve been dreaming of. Whether you want to set up on your own as a self-employed mortgage adviser or take the leap into investment advice, Tenet Financial Services can help you reach your career ambitions. Talk to us to find out how we can get you started on your journey to being your own boss or becoming an investment adviser.
WorkSmart exists to serve the Financial Services community by providing leading edge regtech to help firms manage regulatory people and process obligations.
Founded in 1997 by one of the first regtech entrepreneurs, the vision was to build technology that was easy to use, streamlined processes and delivered transparency and oversight.
Through the provision of both ‘software as a service’ (SaaS) and bespoke implementations – hosted or on premise – WorkSmart caters to firms both large and of the more boutique variety.
All of WorkSmart’s solutions are built with one thing in mind – that is to help customers and their organisations drive business benefits from effectively embedding regulatory change.
Headline speaker - Esther DijkstraManaging Director of IntermediariesLloyds Banking Group
Previously she was the Director of Strategic Partnerships for LBG with responsibility for the National Account, Housing Development and Intermediary Experience teams as well as leading Mortgage Intermediary digital strategy.
Prior to that she
was the head of Intermediary protection at Scottish Widows where she was instrumental in the launch of ‘Scottish Widows Protect’ into the Intermediary market, which went live in 2015.Esther began her career in management consultancy
with IBM in the Netherlands and moved to the UK in 2000. She previously worked for Legal & General where she was Commercial and Marketing Director of the L&G Network and UK Mortgage Club.Esther lives with her husband and two children
View Esther's LinkedIn profile
Nick BirdseyeStrategic Partner Development DirectorLegal & General
Lee Coates OBECo-Founder of ESG Accord
With over 24 years’ service in Mortgage Club and 34 years at L&G, Danny is something of an industry legend. He currently heads up the Lender Relationship team.
Legal & General Mortgage Club is the largest and longest-running mortgage club in the UK. It’s involved in nearly one in five mortgages in the UK and almost one in three intermediate mortgages. It falls under Legal & General’s retail division, which covers the savings, protection, mortgage and retirement needs of 12 million retail policyholders and workplace members.
As Head of Lender Relationships, Danny leads his team to manage relationships with lenders and ensure propositions and products for the Club’s member firms suit their needs.
Danny is committed to driving change for the mortgage market and ensuring lenders and advisers have the right information and tools for business growth. He regularly uses his platform to raise awareness about issues, including the New Build area, green agenda and business standards.
View Danny's LinkedIn profile
Having joined Legal & General in 2012 Nick works with existing and new Strategic Partners to development Retirement Lending distribution and advice opportunities and to help those businesses broaden their customer propositions.
He has a deep understanding of delivering advice to both Retirement Mortgage and Wealth Management customers having led National Advice Distribution networks at both L&G and Aviva.
In addition to significant IFA sector and Direct to Consumer experience, Nick has worked closely with Bank and Building Society partners and understands the challenges of meeting customer needs in these sectors. Prior to his time with L&G, Nick had 18 years with Aviva.
View Nick's LinkedIn profile
Nadim is a fully accredited and qualified career coach and academic with over 18 years' experience in the UK higher education sector.
He has trained in person-centred, psychodynamic and solutions-focused coaching techniques and holds a MSc in Career Management and Coaching from Birkbeck College, University of London.
Nadim helps individuals develop their career, find meaning in their professional identity and achieve career success. He has coached over 1,000 undergraduates, postgraduates, professionals and executives at some of the world’s leading business schools including:
His sector expertise includes financial services, consulting, marketing and international business.
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Lee is currently part of the Financial Conduct Authority’s (FCA’s) Disclosures and Labels Advisory Group (DLAG). He also undertakes consulting work for fund management companies and discretionary fund managers on ‘environmental, social and governance’ (ESG) and issues related to sustainable finance.
In 1987, Lee started his career as a Life and Pensions Inspector for Friends Provident. He then founded the financial advice firm, Ethical Investors, in 1989, which dealt exclusively in ethical and responsible investment advice. He has also founded:
Ethical Screening – an independent ethical research company, with colleagues from Ethical Investors, in 1998
Cruelty Free Super – Australia’s first animal-friendly superannuation fund, in 2010, and
ESG Accord – which helps advice firms implement robust compliance procedures to meet sustainability preference requirements, in 2020.
In 2011 Lee was awarded an OBE for services to ethical business and finance.
View Lee's LinkedIn profile
Nic DentHead of Client EngagementWorksmart Ltd.
Sanjay GadhiaNational Sales ManagerStandard Life Home Finance
Julie PardyDirector of Regulation and Market EngagementWorksmart Ltd.
Nic is highly experienced in implementing people centric compliance and performance management solutions focused on regulatory alignment, optimal business benefit and long term value.
Aside from his responsibilities within the marketing, sales and product strategy functions, Nic spends the good share of his time consulting on how to better manage regulatory based processes whilst improving capability, productivity and customer experience.
View Nic's LinkedIn profile
Tim is a clinical expert with over 25 years’ experience of working with people who have reduced capacity, cognition and mental health.
A multi-award-winning author and expert witness, he specialises in the assessment of mental capacity and financial vulnerability.
He is a member of the leadership team for the National Mental Capacity Forum as well as a subject matter expert for the Vulnerability Task force. He’s also an active member of various industry vulnerability working groups, such as
Tim’s worked as a consultant for a number of large financial organisations and networks. He regularly delivers training to legal, health and financial professionals about assessing mental capacity and financial vulnerability.
View Tim's LinkedIn profile
Sanjay has over 15 years’ experience in the financial services industry, working within a B2B environment with financial advisers, dominated by sales roles at all levels. The last 3.5+ years’ have been spent in the later life lending industry working for equity release lenders, currently as National Sales Manager for Standard Life Home Finance.
Sanjay has enjoyed success in his all his roles, achieving Business Development Manager of the Year at the 2020 Equity Release Awards. He continues to support financial advisers, firms, networks, service providers and clubs.
Julie has been operating in the FS marketplace since the late 1980s. She has held many senior roles in regulated firms across Operations, Compliance, Sales, Learning & Development and Training & Competence. Her practical application, enthusiasm and detailed knowledge of both regulation and the financial services markets allows her to support businesses in meeting their regulatory requirements.
For part of her career Julie has provided regulatory and training support on a consultancy basis to businesses across the whole financial services spectrum. Specialising in FCA regulation with a focus on Conduct Risk, Training & Competence, Approved Persons Responsibilities, Culture, SM&CR and Behavioural Economics.
For the last six years Julie has been part of the Worksmart team, working with firms to help them embed and manage regulatory initiatives around people and processes. For much of this time the clear focus has been around the Senior Managers & Certification Regime in the UK both for Worksmart clients and in support of our Trade Body partners such as The Investment Association, UK Finance, PIMFA, CSA and the FLA.
View Julie's LinkedIn profile
Philip QuinnHead of Intermediary Sales
With 15 years of experience across specialist and high street lenders, Phil Quinn's biggest passion is adding value to brokers. His ethos is to always help them identify new opportunities in the market and keep finding new ways to offer excellent service.
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Kay was integral to the launch of Standard Life Home Finance into the intermediary market in October 2021. Kay started her later life lending journey with Key Group but has worked in financial services for over 30 years.
The majority of that time was at Lloyds Banking Group – setting up and managing the sales team for their Intermediary Broker Operation. She has also managed the Annuities Team at Prudential and the National Sales Team for part of Towergate Group before joining Key Group in 2018.
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Stuart joined as the B2B Marketing Director for Key Group in July 2014. He heads a team responsible for the marketing of a range of Key Group B2B brands including:
Stuart has over 30 years of experience in the financial services sector, having worked with well-known brands including Friends Provident, Abbey Life, Just Retirement and LV=.
He also ran his own marketing agency that specialised in helping advisers who work in the mortgage market. And he was part of a start-up team that launched fixed term annuities into the UK retirement market.
View Stuart's LinkedIn profile
Stuart is an award-winning and experienced later life lending speaker. An entrepreneur at heart with a deep understanding of what drives advisers, Stuart has leveraged technology, knowledge, and people to meet the needs of the growing later life lending sector. Since forming in 2007, Air has grown to add a range of complementary brands to aid advisers in gaining skills and knowledge to help their clients.
An award-winning and popular speaker, Stuart regularly speaks at industry events including the Later Life Lending Event and the National Later Life Adviser Conference and pens regular, thought-provoking articles across many trade publications.
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Jeff is Head of Intermediary Development at L&GI, responsible for growing the protection market across both personal and business protection.
Jeff’s been in the industry for 32 years and has experience as a mortgage broker, financial planner, sales manager, regional sales director, and business development director. He’s held several senior positions in life providers, networks, service providers, advisory firms, and corporate estate agency.
Jeff’s financial services background has a strong protection focus. He’s passionate about supporting the end consumer and advisers alike, to raise the profile of, and highlight the need for, protection particularly in protecting income.
View Jeff's LinkedIn profile
In troubled times, protection is more important than ever, but it’s sometimes difficult to keep up with the vast array of products. How could advising on protection be made easier?
We’ll examine the latest innovations and consider in depth the relationship between protection and mortgage advisers.
If you have any questions please email firstname.lastname@example.org and a member of the team will be in touch.