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The Mortgage Conference

Connect  Discover Grow


We’re offering more than the usual at The Mortgage Conference

Yes – there’ll be plenty of opportunity to network with lenders and industry leaders. And yes – you’ll be able to count your time at The Mortgage Conference towards your continuing professional development (CPD).

But, as the home of CeMAP, our main aim is to educate and inform – to help you and your business get ready for the future and face the challenges it may bring with confidence.


So we’re partnering with 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 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:

  • the new Consumer Duty
  • the rise of green mortgages and environment, social and governance (ESG)
  • equality, diversity and inclusion
  • how to support vulnerable customers, and
  • the latest innovations in technology.

Our speakers and panels will welcome your questions and contributions. And you can continue the conversation as you network at refreshment breaks and lunch. Your ticket includes a light breakfast, lunch and refreshments throughout the day.

Book your ticket


Event details

Date: Thursday 3 November 2022

Venue: Congress Centre, 28 Great Russell Street, London WC1B 3LS

Timings: 08.45 to 17.30


LIBF members: £55
Non-members: £75


Note: This is a tentative agenda, subject to change. Final agenda and speakers will be posted closer to event date. 

View the agenda

Headline sponsor






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

Sponsors and exhibitors

Air logo

With over 20,000 members, Air is the leading, later-life lending platform.

Enabled by technology, knowledge and people, Air offers advisers and lenders: 

  • best-in-class digital sourcing tools 
  • personal performance development services 
  • incentives and rewards programmes 
  • market leading procuration fees and commercial benefits.  

Air consists of:

  • Air Club – the industry’s largest ‘adviser-centric’ later-life mortgage club 
  • Air Sourcing – the leading whole-of-market later-life sourcing tool  
  • Air Academy – an innovative continuing professional development (CPD) training provider, offering the new accredited later-life lending professional standard with LIBF  
  • Air Marketing – helping advisers grow and promote their business 
  • Air Ambassadors – connecting later-life professionals with corporate input and knowledge.

LiveMore creates mortgages for life aged 50 to 90 plus and is proud to take a fresh approach to affordability. They look beyond salary, considering pensions or rent income, investments, savings and more.

LiveMore mortgages can be designed to suit your customer’s needs. They’ll lend up to 75% LTV, with or without an end date, with terms that can flex over time.

LiveMore’s team will be on hand at The Mortgage Conference to discuss individual case requirements and facilitate a fast, easy application process. 

Website: https://livemorecapital.com

Halifax Intermediaries - Halifax IPA

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.

Website: http://www.halifax-intermediaries.co.uk/

Scottish Widows Bank - Scottish Widows IPA 

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.

Website: www.scottishwidows.co.uk/extranet/bank

BM Solutions - Birmingham Midshires (BM Solutions) Mortgage Intermediary IPA

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. 

Website: http://www.bmsolutions.co.uk/

New Leaf
Simply Academy
standard-life logo new

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. 

Website: https://www.newleafdistribution.co.uk 

Simply Academy is a leading provider of financial education and apprenticeships. They design and deliver training solutions for individuals and corporate clients across the world.

Firmly rooted in a long tradition of delivering excellence, Simply Academy has become a trusted partner of The London Institute of Banking & Finance. 

For more than 15 years Simply Academy has offered consultation, project management, training design and delivery to many of the world’s leading banks, building societies, mortgage brokers and insurance companies. 

Simply Academy’s clients can choose from a wide range of established courses such as CeMAP, CeRER and AdviserSkills. This is a CPD-accredited skills programme that complements the technical knowledge already gained by achieving a regulatory qualification.

Website: https://www.simplyacademy.com 

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.

Website: https://www.standardlifehomefinance.co.uk/

worksmart logo

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.

Website: https://www.worksmart.co.uk

Conference speakers


Headline speaker - Esther Dijkstra
Managing Director of Intermediaries, Lloyds 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 in Guildford.

View Esther's LinkedIn profile



Nick Birdseye
Strategic Partner Development Director for Retirement Lending
Legal & General


Nic Dent
Head of Client Engagement
Worksmart Ltd.

Alison Pallet
Board Adviser
LiveMore Capital

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


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

Alison joined LiveMore early in its development and has been instrumental in delivering strategy, direction and oversight of the company’s intermediary distribution roll out plan.

A seasoned professional with over 35 years sector experience and market recognition in consumer and the B2B mortgage sector, Alison contributes a wealth of experience across multiple aspects of the UK mortgage market, from product and pricing to sales and distribution.

View Alison's LinkedIn profile


Julie Pardy
Director of Regulation
Worksmart Ltd.

Alice Watson
Head of Marketing (Insurance)
Canada Life
Kay Westgarth
Kay Westgarth
Head of Sales
Standard Life Home Finance

Julie has been operating in the FS marketplace since the late 1980’s. 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 6 years Julie 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

Alice was appointed Head of Marketing (Insurance) at Canada Life in January 2020, after more than ten years’ experience in financial services. She’s responsible for crafting the marketing strategy and plans that support the UK growth strategy for the Annuity, Home Finance and Protection business lines.

In her previous roles at Canada Life, Alice specialised in later-life lending, focusing on understanding customer needs, developing the customer proposition and improving the adviser experience.

Alice is a member of the Marketing Society and Chartered Institute of Marketing, holding both a Diploma in Professional Marketing (CIM) and a Diploma in Professional Digital Marketing (CAM). She’s also an active member of the Equity Release Council.

View Alice's LinkedIn profile

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.

Stuart Wilson

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.

View Stuart's LinkedIn profile


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