Meet the Team

Sales Team


David Husbands

Telephone BDM Manager
01252 916790

About: Joining Fleet Mortgages at the beginning of 2018, David has over 30 years experience within the industry from working for several banks and insurance companies, allowing him to acquire experience within banking, finance and insurance. Prior to Fleet, David has enjoyed running a number of successful sales teams, demonstrating that by empowering, trusting and supporting the teams they will deliver outstanding results for our customers and the business.


Andy Valvona

About: Andy has over 30 years Business Development and National Account Management experience in the Intermediary Mortgage Market, with Lenders, Networks and FS Technology companies, having previously been a Branch Manager in retail banking. Andy’s lending experience has been with both specialist and Buy To Let lenders, where he was involved when BTL first came to the market in the 1990s.


Stuart Kay

About: With 25 years experience dealing with brokers and their clients, Stuart aims to provide ideas to create business and solutions to convert business. Find out how he can help your business by calling him on 07929 264379.


James Belcher

Telephone BDM – North London
01252 931357

About: With 4 years in Estate Agency prior to joining Fleet Mortgages, James brings an existing passion for the Buy to Let market into his role as Internal BDM. James takes pride in working with intermediaries, discussing how to deliver the best outcomes for their clients, and bringing what Fleet Mortgages has to offer to life.


Michael Maynard

Telephone BDM – East Anglia
01252 931355

About: Coming from a background of Estate Agency and New Homes, Michael has continued to learn about the property sector within Fleet Mortgages. Currently studying for his CeMAP qualification, Michael is here to take calls from Intermediaries, and guide them on our criteria to assist in getting BTL cases through to completion.


Chris Barwick

About: Chris has worked in Financial Services for over 10 years, he has extensive experience of Mortgage lending having been an adviser and held an underwriting mandate. With his background in mortgages and his desire to help intermediaries provide an excellent service to their customers, Chris enjoys nothing more than meeting with brokers and providing solutions to their customers’ BTL needs.


Laura Smith

Senior Telephone BDM – North East

01252 931358

About: As Fleet Mortgages’ first senior telephone BDM, Laura has gained excellent knowledge about our criteria and the property sector. With a background in estate agency and telesales, Laura will provide you with professional and honest advice, and is happy to help with all aspects of your application. Having become CeMap qualified, her aim is to make your application go through as quickly and smoothly as possible.


Laura Smith

Senior Telephone BDM – North West

01252 931358

About: As Fleet Mortgages’ first senior telephone BDM, Laura has gained excellent knowledge about our criteria and the property sector. With a background in estate agency and telesales, Laura will provide you with professional and honest advice, and is happy to help with all aspects of your application. Having become CeMap qualified, her aim is to make your application go through as quickly and smoothly as possible.


Graham Le Bas

About: As BDM for the South West, Graham has over 30 years’ experience working for retail banking and finance companies, culminating in his current position as a seasoned BDM in the specialist BTL sector.  Prior to joining  Fleet, Graham was the BDM for CHL Mortgages for 7 years. Graham believes about delivering a personal service, and will respond to contact on the same day – guaranteed.


Paul Flude

About: Paul started his career in the industry writing mortgages for a National Estate Agency chain, before joining  Fleet Mortgage as Business Development Manager for the South East.  This means Paul can see the issues from both sides of the fence, and is best placed to integrate the needs of the broker with that of Fleet Mortgages, to get the best results for all.

Charlie Gregory

Telephone BDM – South East
01252 916756

About: Coming from an estate agency background, Charlie has been able to develop strong working relationships throughout the sales process. By speaking to brokers and intermediaries about our criteria, and guiding them through the process end-to-end, Charlie is continuously improving his B2B skills.


Lucy Freeman

Telephone BDM – Midlands
01252 931375

About: Coming from a mortgage adviser background and learning the ropes at Cheltenham & Gloucester, Lucy enjoys working closely with brokers as the Midlands Telephone BDM. Got a new case? Got a question? Please give Lucy a call.


Andrea Gizzy

About: Andrea has numerous years of experience within the Mortgages Industry, and is CeMAP qualified. Her criteria and product knowledge is second to none, and she prides herself on providing outstanding customer service.


Beth Foryszewski

Telephone BDM – Central London

01252 916774

About: Beth has over 4 years experience in specialist BTL mortgages, including working as a mortgage broker. Beth can offer a wealth of knowledge on structuring complex BTL cases. Beth can help you identify strong cases and ensure that brokers have clear understanding and a stress free process when dealing with specialist BTL mortgages.


Rob Abdur

About: With 10 years prior experience in the Protection Industry, Rob initally joined Fleet as an Internal BDM, and has progressed in fulfilling his ambitions of becoming an external BDM for the South. Rob enjoys working with intermediaries, and attending events to meet brokers face to face.


Maizie Whitney

Telephone BDM – Midlands
01252 931365

About: As the new Internal BDM joining the Midlands Team, Maizie has over 3 years experience within the property industry, having previously worked for an Estate Agents and as an Asset Manager.

Support Team

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Sandra Cawsey

Sales Support Manager

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Ella Davidson


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Nicola Beck


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Sara Lane

Mortgage Services Manager

Management Team

Fleet Mortgages is run by one of the most experienced management teams in UK lending and is led by Bob Young as Chief Executive Officer. Bob was previously Managing Director of Buy to Let lender, CHL Mortgages, and he brings with him a core group of ex-CHL management and staff.

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Bob Young

Chief Executive

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Sunny Lo

Chief Financial

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Mike Lane

Chief Information

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Keith Murrell

Chief Operating

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Jannie Vermeulen

Chief Risk

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Phillip Tebbatt

Chief Legal &
Compliance Officer

Bob Young, was formerly Managing Director of CHL Mortgages for 10 years having previously operated as its Sales and Marketing Director from 1997. During this period CHL Mortgages transformed from a small, single product lender into a key player in the Buy-to-Let and Specialist Home Loan sectors and became a top twenty lender. Under Bob, CHL Mortgages grew significantly also originating commercial loans.


Previously Bob has worked as a Senior Manager with Black Horse, Abbey National and as a Business Consultant with a variety of blue chip financial services providers in a range of areas from strategy, sales and marketing to operations. Bob’s philosophy is very simple, ‘any idiot can lend money badly and lose money – and lots of people do!’

Sunny spent over 14 years with CHL Mortgages. He has extensive experience at board level in both commercial and operational finance roles having served as Finance Director, Head of Finance, Treasury & Securitisation and Chief Accountant at CHL. Sunny oversees all financial aspects of the business and is responsible for the effectiveness and integrity of Fleet Mortgages’ financial planning, control and reporting.


Sunny was previously Group Financial Controller and Finance Director at Kestrel Holdings, a private equity-backed financial services business. He is ACA qualified and was an auditor with Ernst & Young, Blick Rothenberg and Credito Italiano International.

Mike is a Senior Operational/IT Director with wide financial services experience acquired in various cross-company Operational, Change Management and IT roles, spanning a career of 30 years in both Retail and Finance companies. Originally trained in large scale building society banking and lending he moved onto various management operational roles within financial third-party administration. Having come back into front line operational management, Mike was also at the forefront of implementing technological solutions as IT became more prevalent in the industry. Having completed almost 19 years with CHL, Mike has overall responsibility for IT in both system maintenance and software development.

Keith is a Senior Operational/Programme Director with wide banking and finance experience acquired in various Operational, Change Management and IT roles, spanning a career of 35 years in various retail banks and finance companies. Originally trained and qualified in retail branch banking and lending Keith moved through various operational roles from managing branches to large scale centralised mortgage and finance company operations. As technology played an increasingly more significant role in operational effectiveness, he moved into a Board position at Wagon Finance that included responsibility for change management which led to a Divisional Board position within First National’s Business Finance Division as IT Director. Previously responsible for CHL’s Arrears Collection and Asset management functions, Keith undertook both business consultancy and change management roles in his 10 years at CHL.

As a risk professional, Jannie has spent the last 14 years working with credit institutions and consultancy firms in Africa, Europe and the United Kingdom. As a credit analyst, he has played a leading role in the development of risk management solutions for the banking and retail credit markets. During his time in South Africa he worked with three of the four major retail banks and a number of retail credit firms. Having completed his three-year MBA in 2002 he relocated to the UK. Jannie joined Experian where he led various strategic reviews and risk management projects for UK and European clients. In 2006 he took up a seat in the senior management team of CHL as the Head of Credit Risk.

Philip is a qualified solicitor and has been the principal of Slater Rhodes, exclusively working for clients in the financial services sector, for seven years. Previously he was a director of So Simple Mortgages Limited, a directly authorised mortgage brokerage. Philip set up that firm after leaving a top 60 law firm where he had been for 16 years and where he was a full equity partner. Philip has written extensively on mortgage compliance issues, including a regular column in Lending Strategy, and is co-author of Mortgage Regulation for Intermediaries and Butterworth’s Guide to the Financial Services and Markets Act 2000 (2nd edition). Philip joined Fleet Mortgages after working with the management team as an adviser to CHL.