Our Team

Ross has a strong track record of business development and business growth. During his career Ross has developed and implemented sales strategies and plans that have varied in complexity but always having the same aim of achieving and exceeding target. Whilst previously at CHL Ross contributed significantly to make the company a top 20 lender (pre-credit crunch). Now looking forward to writing another successful chapter at CHL.

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Ross works closely with each member of his own team, but also consults regularly with Operations, Credit and Risk departments as well as our funding partner. By communicating across the organisation in this way he is able to share his valuable experience, helping to ensure that correct decisions are made for the business and the customer.
The goal is to develop a highly skilled sales team, that builds lasting relationships with our customers and to deliver business goals, consistently in the right way.

Andy has over 40 years of experience in the Lending market, starting out with an American backed Moneyshop, HFC Bank, in 1980. After that, Andy worked for Standard Chartered Bank’s Chartered Trust, before entering the Intermediary Specialist Mortgage Market with Western Trust in 1989, moving on to UCB Home Loans and then Britannia Building Society’s Verso in 1998. One of Andy’s National Accounts at Verso, Mortgage Next, recruited him to set up and build their network in 2003. When Mortgages became regulated by the FSA in October 2004, Mortgage Next was the largest new mortgage network in the UK.
Post credit crunch, Andy continued to work with the large Financial Advice firms, but in the FinTech world for Synaptic, which offered research, financial modelling and quotation tools for Pension & Investment and Mortgage & Protection advisers.  He subsequently worked at SSP Worldwide before returning to the Buy-to-Let Mortgage market in 2017.

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Andy believes that delivering great service is all about adding value to advisers. Answering calls, returning calls, and dealing with queries quickly are a pre-requisite. Having delivered countless presentations on specialist lending over the years, Andy believes that the role of any member of a business development team is to help advisers write more business, by sharing best practice, and making suggestions to advisers which might help them in this regard.
Andy is well known in the Network and National Account world, and has helped many advisers to understand how complex specialist Mortgages can be simple.

Daniel has over 15 years experience in Financial Services. He began his career at CHL in 2006, subsequently working at Fleet Mortgages and Precise Mortgages before returning to his roots. Over this period he has held various roles including Marketing Executive, Sales Manager, BDM, National Sales Manager and Specialist Distribution Manager. In recent years he has gained experience in bridging, second charges, residential and buy-to-let lending.

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• BA (hons) Marketing.

Daniel is always looking at new opportunities and tries to advocate a Japanese term ‘Kaizen’ which means ‘continuous improvement’. If you stand still, you’ll be overtaken. Daniel’s approach is to be always willing to help and to deliver on his promises. Whilst many people in sales try to push their product on you, Daniel sees himself as a problem solver – he listens, understands and provides solutions.

Andrea has over 10 years of experience in Financial Services which started at CHL. Here she held various different roles including mortgage administration, credit risk, arrears collections and, most recently, Business Development Manager, gaining a wealth of experience across the business.

Andrea has developed her extensive customer service knowledge and sales skills by working overseas in the holiday industry, achieving promotion to become a team manager where she oversaw various sized teams as part of the management. This involved looking after day-to-day resort operations and ensuring that the customer experience was second to none.

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Andrea prides herself on her customer service which is  diligently delivered by working closely with the customers to understand their client’s needs . Andrea uses her market knowledge and experience to find solutions that helps her customer’s place a case.

With over 20 years of experience in the finance industry, mainly in the specialist BTL sector, Paul has worked in both the broker and lender domains giving him a unique perspective to understand the needs of the intermediary and their client. As a portfolio landlord himself, he understands the needs of landlords and uses this knowledge and experience to make the intermediary’s life easier when handling a portfolio case. Paul started his career in financial services by writing mortgages for a high street estate agent. Following that, he trained to become a self-employed broker before working for CHL mortgages, Fleet Mortgages and Foundation Home Loans as a Business Development Manager.

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Paul believes his success has been achieved by his effectiveness in helping brokers place their more specialist cases. He believes that to do this it is imperative that he is available and contactable, taking calls where possible and returning them within minutes. Paul understands this is key to adding value for his brokers

Stephen started his career as an adviser with Moneyextra in the early 2000’s, and subsequently worked as an independent mortgage adviser and in BDM roles with UCB and TSB. Stephen spent six years with Precise Mortgages before joining CHL Mortgages in 2021.

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Having spent time as both an employed and self-employed mortgage adviser Stephen understands the day-to-day challenges faced by intermediaries. He has an open style of communication and believes in adding value to brokers’ businesses by helping them better to understand the specialist mortgage market and achieve more business.

Mil began his career in financial services in 2002 as an administrator with Lloyds Banking Group. He subsequently held positions in other industries, before rejoining Lloyds as a financial planning manager in 2012. He spent five years as a BDM with Birmingham Midshires, and joined CHL Mortgages from Vida Homeloans where he was a Key Account Manager (Midlands) for three years.

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Mil’s approach as a BDM is to build long lasting relationships through educating brokers on products and criteria, whilst ensuring that brokers are kept up to speed on varied industry subjects. Open and honest, Mil looks to support brokers with solutions to problems and apply a simple can-do approach that cuts through complexities.

Very experienced, Brian has been in financial services since 1987 working for mortgage packagers, lenders and insurance providers. During that time he has held various roles including BDM, underwriter, and even MD. Companies on his CV (prior to joining CHL mortgages) include Pink Home Loans, Skipton Building Society, Pru Protect (now Vitality), Vida Homeloans and Sesame Bankhall Group.

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Totally customer serviced based, Brian treats his region as a self-employed business and takes pride in keeping customers informed at all times whether it’s good news, bad news or no news. Proactive and solutions focused, he will always strive for a quick ‘yes’ rather than a slow ‘no’.

Aidan has worked in Financial Services for nearly 20 years in a variety of mortgage functions, but primarily as an underwriter and BDM. Prior to joining CHL Mortgages Aidan was at Skipton Group (Amber Homeloans & Skipton Building Society) for 18 years, as well as spending time with Leeds Building Society.

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Service is an absolute priority for Aidan, supporting brokers to provide the best experience for their clients. He will always aim to provide a clear response to enquiries, whether that be a quick ‘no’ (thus enabling the broker to move on to another lender) or explaining what is required for us to support the case. Aidan views brokers as colleagues, building lasting relationships that benefit all parties.