CML Council of Mortgage Lenders - Annual Conf 2015 24pp Programme book by Optic Juice

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Joining the dots

n many ways, 2015 has been a year of steadying the ship. The choppy waters of transition to the mortgage market review, a general election and an injection of demand-led housing initiatives like Help to Buy have subsided. And in the end we navigated them without too much disturbance, due to a great deal of hard work from lenders across the industry. It’s tempting to say that we can look forward to a calmer, less uncertain period, but is it ever really like that in the lending industry? Lenders will continue to come under scrutiny from regulators, politicians and the media, and the industry must continue to improve how it works and meet the challenges that lie ahead. Our conference this year seeks to do just that. The theme is ‘joining the dots of the UK mortgage market’ and we will identify, debate and assess how we, as lenders, can work better and more effectively in the digital age. We have invited some of the biggest commentators, those from the spheres of regulation and politics and some of the brightest voices from within the industry itself to scrutinise the current scene – and reflect on where we go from here – in what promises to be a lively day of debate. Squaring the government’s aspirations for the industry with the realities of the market always presents challenges as we look towards the future. This year, we will get a political perspective from Danny Alexander, the Former Chief Secretary to the Treasury who is chairing the conference. We will

also hear from Lord Taylor of Goss Moor, who will argue that ‘garden villages’ can contribute towards addressing the enduring problems of housing supply. How lenders meet the needs of consumers will come under the microscope when we hear from Jonathan Davidson, of the Financial Conduct Authority on changes to regulation as the industry prepares for implementation of the forthcoming mortgage credit directive. Mike O’Connor, Chief Executive at StepChange, will explore the subprime mortgage market and how lenders are handling the fallout of debt rehabilitation, and Ian Larkin, of Target Group, will look at how innovation can help meet the demands of a modern, techsavvy, consumer generation. Other highlights will include what I hope will be a spirited and lively debate on the role of lenders in society. The Institute of Economic Affairs’ Philip Booth and I will go head-to-head when we debate the motion that “This House believes that banks can fulfil all their social obligations by providing profit-making banking services to their customers”. Housing remains a key priority for the British people, and the role of our industry in helping to deliver it has never been more important, or come under greater scrutiny. And, following the successful launch of last year’s rising stars challenges, we will continue our X Factor-style search for the brightest and best ideas from with our industry as we ask people to pitch to the question “If lenders want to help my generation, they should…” Last year’s challenge was won by Michael Rhodes, of Leeds Building Society, with his housing deposit-based ISA idea – not too dissimilar to the Help to Buy ISA launched just a few months later. So, this year we look forward to equally exciting and innovative ideas, with a panel of judges and the audience choosing the winner. There is more to see and do this year and we hope you get value out of what I hope will be a challenging and stimulating programme. Enjoy the conference.

Paul Smee Director General, Council of Mortgage Lenders

CML ANNUAL CONFERENCE 2015

Conference chair Sir Danny Alexander Former Chief Secretary to the Treasury

anny Alexander was chief secretary of the Treasury from 2010-2015 and a member of the ‘quad’ of senior ministers (with the prime minister, deputy prime minister, and chancellor of the exchequer) which took the major decisions in the coalition government. As chief secretary, Mr Alexander had responsibility for fiscal policy, delivering the largest programme of deficit reduction in post-war UK history. Mr Alexander was also a member of the National Security Council from 2010 to 2015, and chaired the cabinet committee responsible for infrastructure investment. Mr Alexander led the Liberal Democrat team that negotiated the 2010 coalition agreement, and led the Treasury’s work in the referendum on Scottish independence. Mr Alexander was member of Parliament for Inverness, Nairn, Badenoch and Strathspey from 2005 to 2015. Prior to 2010 he was shadow secretary of state for work and pensions, chief of staff for party leader Nick Clegg, and author of the Liberal Democrat 2010 election manifesto. He was brought up in the Highlands and Islands of Scotland, and educated at Lochaber High School and Oxford University.

Programme

He was knighted for his services in the dissolution honours in August 2015.

08:45 – 09:55

Registration & refreshments

09:55 – 10:00

Welcome and introduction Sir Danny Alexander, Former Chief Secretary to the Treasury

10:00 – 10:05

CML chair’s welcome Moray McDonald, Chairman, CML and Managing Director, Products, Personal & Business Banking, Banking Royal Bank of Scotland

10:05 – 10:35

Innovation in the mortgage market Ian Larkin, Co-Group CEO, Target Group

10:35 – 11:05

“This House believes that banks can fulfill all their social obligations by providing profit-making banking services to their customers”* CML annual conference debate PRO: Philip Booth, Editorial and Programme Director, Institute of Economic Affairs CON: Paul Smee, Director General, Council of Mortgage Lenders *Please note that this statement, or its opposite, does not necessarily reflect the views of the CML or either debate participant.

11:05 – 11:25

Changes in mortgage regulation Jonathan Davidson, Director of Supervision Retail & Authorisations Division, Financial Conduct Authority (FCA) What does the future hold for mortgage regulation? What impact will the new regulation of the second charge market have?

11:25 – 11:50

CML ANNUAL CONFERENCE 2015

Refreshments

11:50 – 12:10

Sub-prime lending & debt rehabilitation – breaking out of the loop Mike O’Connor CBE, Chief Executive, StepChange What have clients and advisers experienced since the financial crisis? Tackling the dilemma of clients who are “rehabilitating” but may nevertheless be “trapped” How can lenders avoid recreating the same difficulties in the future? What does genuinely responsible lending look like from a debt adviser perspective?

12:10 – 12:55

Empowering localism to solve the housing crisis through Garden Villages Lord Taylor of Goss Moor, Former Chair, Government Planning Practice Guidance Review

12:55 – 13:55

Lunch

13:55 – 14:25

Expert panel: What does ‘good securitisation’ look like? CHAIR: Jon Saunders, Senior Policy Adviser, Council of Mortgage Lenders

Panellists: Paul Riley, General Manager Group Treasury, Leeds Building Society Paul Stanworth, Managing Director, Legal & General Capital Ian Stewart, Head of Secured Mortgages, Lloyds Banking Group Tony Ward, CEO and President, Clayton Euro Risk Limited What do investors want to see from securitisation? What can lenders offer?

14:25 – 14:55

Expert panel: Technology vs the human touch Robert Barnard, Head of Intermediary Distribution, Aldermore Karen Prodger, Director for Strategic Business Development, Barclays Stephen Thompson, Financial Service Advisory, Grant Thornton Nick Turner, Head of APIs and Platform, Ordnance Survey Can technological solutions ever stand alone? Technology as a tool to refine business strategy What difference does advice make to the sales process? Impact of technology on the customer experience

14:55 – 15:20

Refreshments

15:20 – 15:50

FCA calls for inputs on competition in the mortgage sector Trudy Feaster-Gee, Partner (Barrister) and Head of Competition, Walker Morris LLP The stages of an FCA market study & what has been done before What are the FCA likely to focus on? How does the FCA look at consumer behaviour? What can we learn from comparable market studies?

15:50 – 16:30

R I S I N G

‘Rising Stars’: If lenders want to help my generation they should… Watch the CML’s 2015 Rising Stars present their ideas for how lenders can improve things for the younger generation. Finalists: David Humphrey, Mortgage Advisor, TSB Bank Plc Freddie Nelson, Product Proposition and Strategy, Bank of Ireland UK & Sarah Friedlander, Product Proposition and Strategy, Bank of Ireland UK Esther Theobald, Marketing Sssistant, Market Harborough Building Society Dan Whittaker,, Risk Manager, Nationwide Building Society

16:30 – 17:00

‘If lenders want to help my generation’ panel session Panel: Caroline Graham, Head of Mortgages, Clydesdale Bank Moray McDonald, Chairman, CML and Managing Director, Products, Personal & Business Banking, Royal Bank of Scotland Richard Napier, Divisional Director, Mortgages & Savings, Nationwide Building Society Michael Rhodes,, Service Desk Manager, Leeds Building Society (2014 winner)

17:00 – 17:10

Closing remarks Paul Smee,, Director General, Council of Mortgage Lenders

17:10 – 18:30

Drinks reception & conference close Join the CML for networking drinks, sponsored

Speaker details

10:00 – 10:05 CML chair’s welcome

oray McDonald joined RBS in September 2010 as Category Director for Home Lending and in April 2014 he secured the role of Managing Director, Products.

Prior to joining RBS Moray has worked in financial services for 26 years in Europe and Australia.

Moray McDonald Chairman, CML and Managing Director, Products, Personal & Business Banking, Royal Bank of Scotland

During that time he has worked in a range of positions as Marketing Manager for GE Capital Motor Finance in Edinburgh, Deputy Managing Director for Finanzia Banco de Credito and President of AVIS Fleet Services Iberia, both in Madrid. In Australia he was Secured Lending Director for Citibank (1998 - 2003), Managing Director for Diners Club (2003 2008), then Managing Director of Esanda, Australia’s largest Finance Company.

10:05 – 10:35 Innovation in the mortgage market

an brings over 20 years of financial services experience to Target having worked at Lloyds Banking Group since 2005 running various businesses across retail and commercial banking.

His last role was MD of Lloyds Commercial Finance. Before joining Lloyds Ian was CFO at Virgin Money, prior to which he spent 4 years at McKinsey & Co and 6 years at Accenture. Ian co-leads the business with primary focus on business development and franchise growth. Ian has a 1st class honours Degree in Chemical Engineering from University College Dublin and an INSEAD MBA. He is also a Fellow of the Chartered Institute of Management Accountants.

Ian Larkin Co-Group CEO, Target Group

CML ANNUAL CONFERENCE 2015

10:35 – 11:05 “This House believes that banks can fulfill all their social obligations by providing profit-making banking services to their customers”*

CML annual conference debate

PRO:

Philip Booth Editorial and Programme Director, Institute of Economic Affairs

Philip Booth, Professor of Finance, Public Policy and Ethics at St. Mary’s University, Twickenham. He was formerly Professor of Insurance and Risk Management at the Cass Business School where he also served as Associate Dean. He has an undergraduate degree in economics from the University of Durham and a PhD in Finance. He is a Fellow of the Institute of Actuaries and of the Royal Statistical Society. Previously, Philip Booth worked for the Bank of England as an adviser on financial stability issues. He has written widely, including a number of books, on investment, finance, social insurance and pensions, as well as on the relationship between Catholic social teaching and economics.

CON:

Paul Smee became Director General of the Council of Mortgage Lenders on 1 August 2011. Previously, he was Chief Executive of UK Payments, a post which he held for six years. Paul set up, and was the first Chief Executive of 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, the first new payment system in the UK for 25 years; and in the production of the UK’s National Payments Plan.

Paul Smee Director General, Council of Mortgage Lenders

Before payments, Paul was the first Director General of the Association of IFAs, the representative body for the community of independent advisors which was formed in 1999. He also was instrumental in the formation of the Association of Mortgage Intermediaries. During his earlier career, Paul worked for the London Stock Exchange, the Association of British insurers and the Independent Television Commission. He started his working life at the Department of Trade and Industry. *Please note that this statement, or its opposite, does not necessarily reflect the views of the CML or either debate participant.

11:05 – 11:25 Changes in mortgage regulation

J Jonathan Davidson

onathan was a senior advisor to private equity and financial services firms and was also a member of Jardine Lloyd Thompson’s Strategic Advisory Group. Jonathan was Chief Operating Officer with Direct Line between 2010 and 2012. Jonathan worked for McKinsey & Company between 1986 and 2009 where he held several positions including Financial Services Practice Leader in Canada, Wholesale Banking Practice Leader in Europe and in North America, and Global Learning Leader of McKinsey’s Organisation Practice.

Director of Supervision Retail & Authorisations Division, Financial Conduct Authority

Jonathan joined The Financial Conduct Authority in September 2015 as Director of Supervision Retail & Authorisation Division.

CML ANNUAL CONFERENCE 2015

11:50 – 12:10 Sub-prime lending & debt rehabilitation – breaking out of the loop

ike’s previous CEO posts include the consumer watchdog, Consumer Focus, the Olympic Lottery Distributor and the Millennium Commission where he was responsible for a £4Bn investment programme. His early career included the Department of Health, HM Treasury and Cabinet Office. He is a non Executive Member of the British Gas Customer Fairness Committee.

Mike O’Connor CBE Chief Executive, StepChange

12:10 – 12:55 Empowering localism to solve the housing crisis through Garden Villages

ord Matthew Taylor advised both the last Labour Government and the Coalition on Sustainable Development, including leading the creation of the Government’s new National Planning Practice Guidance. He Chairs the St.Austell EcoCommunity development partnership and has just ended his term as Chair of the National Housing Federation. Lord Taylor will speak about his recent Policy Exchange report ‘Empowering localism to solve the housing crisis through Garden Villages’, and how the new Government may respond.

Lord Taylor of Goss Moor Former Chair, Government Planning Practice Guidance Review

13:55 – 14:25 Expert panel: What does ‘good securitisation’ look like?

CHAIR:

Jon Saunders joined the Council of Mortgage Lenders in 2012 having previously worked as an investment banker in debt capital markets for a variety of investment banks. At the CML he is responsible for policy issues on funding and capital. He graduated in 1992 with a first class honours degree from Loughborough University in Banking and Finance and in 2011 graduated from Birkbeck, London University with a MSc in Sports Management.

Jon Saunders Senior Policy Adviser, Council of Mortgage Lenders

CML ANNUAL CONFERENCE 2015

aul joined Leeds Building Society in 1992 after graduating with an honours degree in Industrial Economics from Coventry University. Paul was appointed to Head of Treasury in 2000 and promoted to General Manager and Group Treasurer in November 2009. Recently, Paul was made Director of Treasury. Responsibilities include liquidity management, wholesale funding and balance sheet risk management. As part of Leeds’ wholesale funding activities, Paul has established a number of funding programmes including a €5Bn EMTN programme and a €7Bn regulated covered bond programme. In 2010, Paul was responsible for the first GBP covered bond in the UK backed by residential mortgages. Paul is responsible for establishing Leeds’ two securitisation platforms and has completed several issues via the Albion and Guildford special purpose vehicles.

Paul Riley General Manager Group Treasury, Leeds Building Society

Paul is an Associate Member of the Association of Corporate Treasurers.

aul heads up Legal & General Capital, which is responsible for investing Legal & General’s principal balance sheet and was founded in 2013 to help improve shareholders’ returns and accelerate L&G’s growth by increasing the business’ exposure to direct investments.

Paul Stanworth Managing Director, Legal & General Capital

Paul joined L&G in 2009, initially to manage the investment strategy for the Annuity Funds, after expanding his remit to include Treasury. Previously he was a Managing Director at Merrill Lynch providing capital market solutions to UK insurers using derivatives, cash assets and securitisation. Paul also held similar roles to this at Deutsche Bank and RBS, where he worked from 2006-2007 and 1999-2006 respectively. His early career was in fund management at M&G, managing the corporate bond portfolios of the Prudential and developing the new business investment strategies. Paul has a B.Sc. from UCL, London University and is a Fellow of the Institute of Actuaries.

an is responsible for the administration of retail mortgage portfolios used by LBG to support secured funding activities. This includes master trusts, RMBS, covered bond and DWF pools adding to over £185bn of mortgages. Services include portfolio management, cash management and reporting to rating agencies, trustees, investors and regulators on existing and new issues.

Ian Stewart Head of Secured Mortgages, Lloyds Banking Group

CONTINUED OVERLEAF

CML ANNUAL CONFERENCE 2015

13:55 – 14:25 CONTINUED

ony Ward is currently President and Chief Executive of Clayton Euro Risk Limited, a global risk consultancy business focussing on Strategy, due diligence, loan origination, funding and risk solutions. Previously he was the Chief Executive of Home Funding Limited (HFL). He also worked as an adviser to HM Revenue and Customs on tax matters relating to banking and treasury instruments and to the FCA on certain prudential matters.

Tony Ward CEO and President, Clayton Euro Risk Limited

Tony has strong background in banking and finance spanning over 40 years. Before establishing Home Funding, Tony held various senior positions in retail and international banking. Including Chief Executive of First Active Financial plc a UK retail banking business, Mortgage Trust and Britannic Money plc, Group Treasurer of one of the UK’s first mortgage securitisation companies established by Kleinwort Benson called Mortgage Funding Corporation plc and; Head of Treasury Kleinwort Benson Investment Management Bank. He was also Past Deputy Chairman of the Council of Mortgage Lenders and Chairman of the Intermediary Mortgage Lenders Association

14:25 – 14:55 Expert panel: Technology vs the human touch

aren Prodger is the Director for Strategic Business Development for Barclays Mortgages. She leads on digital and propositional development for Barclays and her career in the retail lending and small business lending industry spans 5 years. It’s an industry she is passionate about, which in her words, ‘supports and services customers at key life moments, of buying their home or setting up a business’. Prior to Barclays, Karen was a senior practice consultant for Booz & Co, where she worked globally for 5 years across major Financial Services and Retailers, bringing together best practice implementation in customer proposition, process and technology.

Karen Prodger Head of Strategic Business Development

Her previous career, spans marketing, commercial and innovation leadership roles at Dyson Ltd, PepsiCo and British Airways.

obert joined Aldermore in January 2010 as the Head of Business Development for Residential Mortgages, where he helped to establish the distribution strategy of the division, including recruiting and managing a nationwide team of Relationship Managers. Before joining Aldermore, Robert worked at The Mansion Group, Mortgage Choice, Platform and Freedom Lending / Wave amongst others, holding a variety of roles, including Business Development Manager, National Sales Manager and Head of Sales.

Robert Barnard Head of Intermediary Distribution, Aldermore

CML ANNUAL CONFERENCE 2015

14:25 – 14:55 CONTINUED

ick Turner works for Ordnance Survey as their Head of APIs and Platform. Leading a team of Product Managers and web developers to deploy a catalogue of APIs and services that stream Ordnance Surveys geographic information content out across the web. With over 15 years of experience as an address and spatial data management professional Nick previously led on the integration of the country’s national address gazetteer into national Police, Revenue, Taxation, Utility, Financial Service and Health systems.

Nick Turner Head of APIs and Platform, Ordnance Survey’

tephen is an experienced consultant specialising in mortgages and innovation. He has worked on Nationwide Remote Advisor programme as well as with other Banks developing their mortgage distribution capability. He also has experience within digtial engagement and satisfaction across apps, mobile and online. He helped develop sophisticated mortgage financial models and has been highly commended by the Management Consulting Association for his work.

Stephen Thompson Financial Service Advisory, Grant Thornton

15:20 – 15:50 FCA calls for inputs on competition in the mortgage sector

rudy’s practice spans the full range of competition law matters. Prior to joining Walker Morris, Trudy was Head of Competition External Engagement for one the major high street banks, advising the bank on competition regulatory policy and strategy. This included advising the bank on legal and policy issues; liaising on behalf of the bank with competition authorities (both UK and EC), the FSA (now FCA), UK Government, Treasury Select Committee and other external stakeholders; and co-ordinating external messaging and events on competition related matters. In financial services generally, Trudy has advised on the competition law implications of syndicated loans; exclusive agency arrangements for insurance products and mortgages; and corporate transactions, including the acquisition of credit card portfolios.

Trudy Feaster-Gee Partner (Barrister) and Head of Competition, Walker Morris LLP

In addition, she has undertaken a number of secondments, including at DG Competition in Brussels and at the UK Competition Commission (now part of the CMA) supporting primarily the Chairman and Director of Policy on external affairs and competition policy. Her experience allows Trudy to advise on competition matters with a 360 degree perspective.

CML ANNUAL CONFERENCE 2015

15:50 – 16:30 ‘Rising Stars’: If lenders want to help my generation they should…

Finalists:

avid Humphrey began his career in banking fifteen years ago and, in 2007, retrained as a Mortgage Advisor and looked back since. He is now one of TSB’s based in Essex and regularly mentors new London and the South East.

he hasn’t top advisors MAs across

RI SI NG

David Humphrey Mortgage Advisor, TSB Bank Plc

reddie Nelson graduated from Swansea University in 2013, shortly after studying for an MSc in Economics, Finance and Management at the University of Bristol. Following his Masters he started his career at Lloyds Banking Group as a Treasury Analyst. Freddie joined Bank of Ireland UK Mortgages as Product Development Manager in April 2015. Sarah Friedlander graduated from Queens University Belfast and began a MSc in Business Management at University of Ulster; during which she completed a placement managing large-scale events for Derry/Londonderry City of Culture. She joined Bank of Ireland UK as a graduate in 2014 and has worked in Mortgages Business Change and Product, Proposition and Strategy.

Freddie Nelson Product Proposition and Strategy, Bank of Ireland UK & Sarah Friedlander, Product Proposition and Strategy, Bank of Ireland UK

sther Theobald is a Marketing graduate from Lincoln University and has worked for Market Harborough Building Society as a Marketing Assistant since completing her studies in June 2014. Her role involves working closely with the mortgage department to help produce the promotional material and literature they require on a daily basis.

Esther Theobald Marketing Assistant, Market Harborough Building Society

CML ANNUAL CONFERENCE 2015

15:50 – 1630 CONTINUED

an Whittaker is a Risk Manager at Nationwide Building Society, where achievements to date centre around significant enhancement to Nationwide’s Credit Risk modelling capability. Based in Northampton, Dan has worked for Nationwide for five years, and holds master’s degrees in both Mathematics and Theoretical Physics.

Dan Whittaker Risk Manager, Nationwide Building Society

16:30 – 17:00 ‘If lenders want to help my generation’ panel session

aving spent 20 years in Financial Services, Caroline is currently Head of Mortgages, for Clydesdale and Yorkshire Bank, responsible for the development and delivery of the mortgage strategy and associated performance of the mortgage portfolio. Prior to this a range of roles have been experienced across Retail Banking and Investment Management.

Caroline Graham Head of Mortgages, Clydesdale Bank

Please see page 6 for full biography.

Moray McDonald Chairman, CML and Managing Director, Products, Personal & Business Banking, Royal Bank of Scotland

CML ANNUAL CONFERENCE 2015

ichard joined Nationwide in June 2009 as Head of Credit Cards and Personal Loans. He became Divisional Director of Mortgages and General Insurance in August 2011 before becoming Divisional Director of Mortgages and Savings in January 2013. Prior to joining Nationwide Richard was Managing Director of Point of Sale Lending and Insurance for GE Money UK.

Richard Napier Divisional Director, Mortgages & Savings, Nationwide Building Society

ichael Rhodes started working life with the Leeds Building Society straight from school in 2005. In his 9 years’ experience, he has worked within administration, telephone and support functions learning a great deal of savings, lending, post completed mortgage and arrears knowledge in the process. During this time Michael has been a key player within system enhancements, process reviews and Society-based projects, in which he has received high praise, including winning the Rising Star award at the Society’s Annual Excellence in Action Award Ceremony in 2011. In recent years, he has worked as a team leader within the Mortgage Lending function, receiving the Great Team Work Award in 2014.

Michael Rhodes Service Desk Manager, Leeds Building Society (2014 winner)

In September 2014, Michael was promoted to Service Desk Manager with the view of implementing a process of change into the Leeds Building Society’s Contact Centre that will enable the Society to continue to provide the high level of service to its customers through future challenging times.

16:50 – 17:00 Conference summary Please see page 7 for full biography.

Paul Smee Director General, Council of Mortgage Lenders

CML ANNUAL CONFERENCE 2015

Floorplan

STAND

Target

Smoothie Stand

CML

STAND

Wilsons Auctions LMS

STAND

Barista

Registers of Scotland STAND

eTech

Access to Gladstone Library

CML ANNUAL CONFERENCE 2015

Exhibitor profiles Headline sponsor: Target Stand 6

e are delighted to be headline sponsor of the CML conference for the second year running. This yearâ&#x20AC;&#x2122;s event promises to be as engaging as ever with a varied programme full of topical subjects. Early on in the day our Co-Group CEO Ian Larkin will be taking around his views on the innovation in the mortgage market.

We are a specialist provider of loan and mortgage servicing and software. Our aim is to enable our clients to operate more efficiently, deliver an excellent customer experience and mitigate risk. We are trusted by over 50 major financial institutions across the UK, Australia and New Zealand to manage their lending, investment and insurance portfolios. Currently, over ÂŁ24bn of assets are serviced on our systems with over 18 million accounts under management. We deliver comprehensive loan servicing for

CML ANNUAL CONFERENCE 2015

more consumers and commercial loan products than any other UK servicer, providing you with the flexibility to diversify your portfolio and grow your product range. We offer a flexible range of options to suit your needs, you can take our software in house or as a managed service or you can choose our full outsourcing option. Our software and services are tailored to your specific business needs through expert consultancy during the process. W: www.targetgroup.com E: Marketing@Targetgroup.com

Council of Mortgage Lenders Stand 1

he aim of the Council of Mortgage Lenders is to help to foster a favourable operating environment in the UK housing and mortgage markets. We are the representative voice for the residential mortgage lending industry, and the central provider of economic, statistical, legal, research and other market information. W: www.cml.org.uk E: events@cml.org.uk

eTech Stand 4

Tech is the UK’s leading provider of mobile surveying and workflow management software. We deliver innovative, secure and robust solutions to lending and surveying markets with integrated applications that improve efficiency and mitigate risk. Our collaborative working approach brings members of the lending community together to improve data management and exchange using cutting edge technologies. In most other areas of consumer life, new technology and data solutions are all around us. We are comfortable using them – particularly in a mobile context. A few technology gear changes in the world of property risk are overdue. eTech is at the forefront of enabling lenders, panel managers and surveyors to capture the benefits of real time mobile working to better manage and understand property risk as it occurs at the point of valuation. Our business is delivering improved valuation process with greater efficiency that benefits both surveyors and lenders. Our robust and more agile technologies mean businesses in property risk have the tools available to reliably collect, process and analyse more data than ever before. Realising the value of big data is now a very real prospect for property risk managers. As computational power becomes smarter, and more innovative, senior executives are now exploring how significant parts of their businesses can run

on data-driven decisions that provide immediate guidance on the best actions to take. Property risk managers want to de-risk their businesses and eTech’s technology is a key part of delivering that. The combination of data from various sources and the move from manual paper-based reporting to mobile data capture tools is one example where additional information is being easily integrated into external appraisals and internal property assessments too. Our access to more accurate information and better use of data and mobile technology provides surveying professionals with the opportunity to develop defensible claims databases. Equally with fewer purchase ‘vanilla’ cases being put out to valuation, valuers can concentrate on the cases that demand thorough examination. Onsite access to comparables means they are no longer catching up at 10pm at night from a desktop but delivering information in real time. This positively impacts the entire value chain. Quicker decisions mean better service for consumers. Using technology appropriately allows those in property risk to understand and focus upon what risks are legitimately being taken W: www.etech.net E: markblackwell@etech.net

CML ANNUAL CONFERENCE 2015

LMS

Stand 5

MS is the UK’s pre-eminent provider of legal-panel management with 25 years of unrivalled experience delivering the highest quality conveyancing and panel management services. We are a strong and growing business with industry investment from two market leading property groups, LSL plc. and Connells, both of whom have a long term partnership approach to developing services and markets.

LMS has a reputation for innovation and development and leads the digital revolution in legal supply to the mortgage market. We provide the most comprehensive panel management service to the broadest lender base in the UK, giving us a unique vantage point and level of experience. This understanding is utilised to develop the most appropriate solutions for clients, enhancing productivity and service delivery whilst reducing cost and fraud risk.

We aim to ensure complete satisfaction and deliver real value. Each year LMS successfully manages some 130,000 transactions, working with three of the largest national mortgage lenders as well as a number of leading building societies. Additionally LMS has direct, strong relationships with key UK intermediary referrers. Overall LMS enables more than £15 billion in loans each year. LMS sets the benchmark by which the market is measured. Before we can provide a service to your business we need to understand it. We know how passionate you are about your business and the more we know – your issues, values and culture, the better we can provide a bespoke conveyancing and panel management service that will be the start of a lasting relationship. Whatever your conveyancing need, we’re ready to start working together. W: www.lms.com E: paul.davies@lms.com

Mortgage-Clarity, brought to you by Matrix Solutions Stand 1

atrix Solutions is the leading Market Intelligence provider within the UK Mortgage, Fund Management, Platform and Life and Pensions markets.

Established in 1985, we have 30 years’ worth of data collection experience, making us one of the leading data owners in the arena. Our databases are the backbone of our products and we now collect over 96% of the UK Mortgage Market’s data, constituted by CML member organizations.

Mortgage Clarity Partnering with the CML, we have collected lenders’ Product Sales Data (PSD) since 2011, and provide database and analytical software services back to the CML and participating lenders through our Mortgage Clarity market data solution. Mortgage Clarity provides our clients with unparalleled insights into their company’s performance against 96% of the UK Mortgage Market. This includes our large coverage of detailed mortgage applications data, down to broker outlet level. Using either simple visual dashboards or a more advanced statistical analysis tool, our clients can conduct a wealth of detailed analysis into their own corporate performance against the marketplace. Everything from interrogating your

CML ANNUAL CONFERENCE 2015

highest value intermediary sale channels through to benchmarking your own average LTV rates by region, Mortgage Clarity helps you to develop more commercially viable strategies for your own business needs. Our focus is on delivering practical and cost effective solutions that have a real impact on business performance: Increasing top-line revenue growth, improving understanding and management of customers and sales channels, and delivering operational cost savings. Our clients (as confirmed in our 2015 user survey) are thrilled with the service and ease of submission from our arrangement with the CML, and those lenders that subscribe to MortgageClarity reported similar levels of satisfaction. We are always interested in meeting new clients, especially those who create a genuine difference in the role that data and Market Intelligence plays in their day-to-day operational strategy. W: www.mortgage-clarity.com E: info@mortgage-clarity.com

Registers of Scotland Stand 3

egistersof Scotland (RoS) is the nonministerial government department responsible for compiling and maintaining 17 public registers relating to land and property

Our two main registers are the General Register of Sasines, which dates back to 1617 and is considered the oldest land register in the world and the map-based land register. Since 1981 we have been moving titles from sasines onto the land register mostly through routine business such as a house sale. Currently around 59 per cent of titles, about 27 per cent of land mass in Scotland is on the land register. Last year Scottish Ministers, at Holyrood, invited the keeper of the Registers of Scotland to complete the land register by 2024, including registering all publically owned land by 2019. A completed land register will be a national asset for Scotland which will provide a single, comprehensive, publicly searchable register that gives clarity on who owns what and gives owners greater security of title with a state backed guarantee. The online, digitised map accurately reflects property boundaries that are clearly recorded and shows all the restrictions, burdens and securities set out in one place. This will make future transactions on land

and property easier, faster, and less expensive in the future. A dedicated team working on land register completion has been established within RoS and they are currently focussed on promoting voluntary registration to larger landowners within the public and private sectors. We are also implementing a new trigger to help us complete the land register. The Registers of Scotland (Voluntary Registration, Amendment of Fees, etc) Order 2015 included a provision to close the sasine register to standard securities. This will be implemented from 1st April 2016 and means that property owners still on sasines who wish to take on borrowing with a new lender will have to voluntarily register onto the land register for the transaction to go ahead. There will be no fee to customers from RoS for this voluntary registration and registering the standard security fee will remain the same, £60. Both landowners and lenders will benefit from the clarity and security of a land registered title protected by the keeper’s warranty at a reduced cost of registration. W: www.ros.gov.uk E: customer.services@ros.gov.uk

Unicorn Training Stand 1

nicorn is the multi award-winning provider of learning academies and performance platforms, custom content and off the shelf courses. Our talents combine 27 years’ learning know-how with superb creativity, reliability and security. This approach, combined with our unrivalled experience helps us to sit alongside customers, moving learning to the heart of their business strategies to deliver transformational results. As a turn-key solutions provider, with our own global LMS, SkillsServe, comprehensive libraries of learning content and best in class content creation services, we have considerable experience in working in complex and challenging environments, both in implementing content solutions and platforms which interface with your existing systems. Our customerfocused teams ensure we provide an unmatched level of satisfaction that has seen customers continue to work with us year after year. We understand the importance of embedding a culture of ethical behaviour and compliance that

is reflected instinctively in your staffs’ conduct. That’s why we created ComplianceServe, a trusted and effective solution designed to align with the regulated environment in your industry. Its unique features will enable you to manage your compliance training, CPD and T&C needs through one easy-to-use and secure portal. ComplianceServe gives you access to a comprehensive library of eLearning content powered by SkillsServe, ranked the no 1 LMS in Financial Services. This ready-made suite of learning tools is developed in partnership with leading professional bodies and associations to ensure it covers current and emerging compliance training topics. If you would like to find out more about our solutions or discuss your eLearning needs, please contact us. w: www.unicorntraining.com E: enquiries@unicorntraining.com

CML ANNUAL CONFERENCE 2015

Wilsons Auctions Stand 2

ilsons Auctions is the largest independent auction company with branches across the UK & Ireland. We have specialist departments auctioning everything from property, vehicles, plant machinery, tools to general goods and high end valuables including; watches, jewellery, boats, prestigious cars & more, which makes our service unique in the auction industry. We are a one stop shop from the appraisal and valuation stage through to marketing and sale. Auctions are held daily in our branches that span across England, Scotland, Wales, Northern Ireland and Republic of Ireland. With online bidding facilities available via desktop, mobile and tablet and an extensive online platform to include over 28,000 social followers and an average of 200,000 visitors to the website per month, we, as a group can reach a huge amount of potential buyers.

CML ANNUAL CONFERENCE 2015

Wilsons Auctions property departments are entrusted to sell property by banks, asset managers, local authorities, estate agents and even the Government. If they can trust us, so can you. Our property teams are experienced and have valuable market knowledge and a passion for what we do. Our personal service is matched with an open and honest approach and is the key to excellent relationships with our buyers and vendors. Our property auction calendar is unrivalled; Wilsons Auctions hold a property auction every three weeks making us the fastest turn around auction in the whole of the UK. If you have a property, we have an auction date. Whatâ&#x20AC;&#x2122;s more, we are celebrating our 80 year anniversary in 2016 which demonstrates our breadth of experience and industry knowledge, which we pride ourselves on. w: www.wilsonsauctions.com E: rebeccawilson@wilsonsauctions.com

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CML ANNUAL CONFERENCE 2015

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CML ANNUAL CONFERENCE 2015

Forthcoming events from the...

CML annual dinner 2015 2 December 2015, Supernova Embankment Gardens, London The annual dinner is the CMLâ&#x20AC;&#x2122;s largest networking event & is ideal for networking within the mortgage industry. Our headline sponsor is Skipton Intermediaries and the drinks reception is sponsored by Unisys.

CML Scotland annual lunch 2016 11 March 2016, The Balmoral Hotel, Edinburgh The CML Scotland annual lunch is repeatedly attended by the most notable organisations in the Scottish mortgage world, incorporating the perfect blend of high level networking and entertainment. This year the lunch will take place in The Balmoral Hotel and over 120 guests are expected to attend.

CML annual lunch 2016 22 April 2016, The Lancaster London