Meet the Team

Sales Team

Ross Turrell

Sales Director
07710 126405


Andy Valvona

National Accounts Manager
07580 312301


Stuart Kay

BDM – North London
07929 264379


Michael Maynard

Telephone BDM – East Anglia and East London
01252 931355


Laura Smith

Senior Telephone BDM – North

01252 931358


Graham Le Bas

BDM – South West

07464 544443


Paul Flude

BDM – South East
07977 439721

Matt Taylor

BDM – Midlands
07464 927175


Andrea Gizzy

BDM – Central London

07377 246387


Rob Abdur

BDM – South

07981 802332


Chris Barwick

BDM – North East

07464 544446

In House Sales Team 2

Sales Team


01252 916800

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.