EWS1 form

In December 2019 RICs, The BSA and UK Finance introduced the external wall fire review process for buildings over 18 metres (approx. 6 stories), as well as some properties below that height, where the external wall systems are comprised of potentially combustible material.

Regrettably this process has not proved to be reliable or robust and as a result Fleet Mortgages are unable lend on any properties where our surveyors find a requirement for an EWS1 form.

Please speak to one of our sales team if you have any questions or need further details.

Meet the Team


Mike Lane

Chief Executive Officer

Mike was one of the founder directors of Fleet Mortgages in 2014 and took on the role of Chief Executive Officer in April 2022. 

He has broad financial services experience and has held a number of cross-company operational, change management and IT roles in a career spanning more than thirty years.  

Mike originally trained in large-scale building society, banking and lending before moving into 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. 







Nicola Richardson

Chief Financial Officer

Nicola has over 14 years’ professional experience and has worked in financial services for the last 10 years – initially at CHL Mortgages in the Treasury team and then with Fleet Mortgages since 2014, as Head of Finance, then FD, and now CFO.

Prior to this, Nicola worked as an auditor for Baker Tilly (now RSM Tenon) where she achieved her ACA qualification. She worked on a variety of clients in different industries, from manufacturing to charities through to software developers. This varied experience gives Nicola a wide and detailed knowledge of financial accounting and internal control best practice.

Nicola oversees all financial aspects of the business and is responsible for the effectiveness and integrity of Fleet Mortgages’ financial planning, control and reporting.


Jannie Vermeulen

Chief Risk Officer

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 Tebbatt

Chief Legal & Compliance Officer

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.

Steve Cox

Chief Commercial Officer
07710 126405

Steve has over 30 years’ experience in financial services, having started out as a mortgage broker in the early 1990’s.

He was Head of Commercial Development with Sesame Bankhall Group for 8 years, prior to joining Hodge Lifetime as Business Development Director in 2016.

In 2019 Steve joined Fleet Mortgages as Distribution Director, and was promoted to Chief Commercial Officer in January 2021.

David Husbands

Sales Manager
07384 896868

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.

Louisa Ritchie

Key Account Manager
07580 312301

Louisa has 25 years experience in the Financial Services industry on the lender, broker, and distribution side. During this time Louisa has built an extensive and trusted network of partners and relationships.

Louisa joined Fleet mortgages in October 2020 as a National Key Account Manager responsible for managing strategic partnerships with our Key Accounts, Networks and Mortgage Clubs.

Louisa says: I love working with the team at Fleet Mortgages. Relationships in this industry are so important to build trust, improve knowledge and increase business, strengthening our presence across the market. Its vital to stay in touch with brokers and key partners to help them prepare and build plans for what the future might hold. 

Wes Regis

Key Account Manager
07580 311899

Wes has over 15 years’ experience in the financial services sector in a range of roles. He joins Fleet Mortgages from Hodge Bank, where he managed key mortgage distribution account relationships.

Wes’s financial services career to date has revolved around the origination of specialist lending, helping both mortgage brokers and their clients achieve their goals and ensuring great outcomes for our partners and customers. The best part of the job for Wes is the satisfaction he gets from making a difference!

Michael Maynard

Roaming Underwriter
07387 411226

Michael has been a telephone BDM at Fleet Mortgages for over 5 years, during which time he has developed a vast knowledge of our lending criteria and built great relationships with our packager clients.

He has now moved into a Roaming Underwriter role where he has the opportunity to showcase these skills, adding further value for our clients, being on hand to assist with applications. Michael is friendly, professional, and always happy to discuss the football!

Nikki Keating

With over 30 years in financial services, Nikki has experienced roles as a Senior Bank Manager, Business development Manager and a Senior Mortgage and Insurance Broker. This has enabled her to develop strong business relationships and understand all aspects in sales and customer service.  Nikki believes that good communication, a good sense of humour and teamwork is key in any role and looks forward to building new networks within the Fleet Mortgage business.   

Based in London, Nikki will be able to connect with Fleet BDM ‘s and sales team and support the business within the Essex, Kent and Greater London areas.

Jess Woodcock

Marketing & Events Executive
01252 975236 jess.woodcock@fleetmortgages.co.uk

Coming from a creative background, Jess studied Production Design at Birmingham University and went on to work on a number of film and TV sets.

Jess then decided to take a couple of years out to live in New Zealand while travelling around the Eastern side of the world. When back in the UK, she then pursued a career in marketing and is now enjoying communicating Fleet’s ‘making complex buy to let cases simple’ message to Brokers.

Laura Smith

Marketing Executive
01252 975209

Since joining Fleet in Feb 2016 as a Telephone BDM Laura has enjoyed working with BDMs to deliver the best possible outcomes for their clients’ complex Buy to Let needs. To compliment this, she quickly took on additional activities including marketing responsibilities which contributed to her being promoted to Senior Telephone BDM.

Laura has now taken the next step to make use of this experience and knowledge becoming Fleet’s Marketing Executive where she is working with our business partners to understand their needs, how what we do fits in with them and developing our proposition and brand awareness.

Jason Blignaut

Sales Administrator
01252 916 800

Previously a chef, Jason started his career in Property Finance in 2018 as a Trainee Mortgage Consultant and then moved on to become a Case Manager, gaining experience within Buy to Let, Bridging and Commercial finance. He is now using the knowledge he has gained over the years in his role as a Sales Administrator, assisting Brokers and BDMs in whatever they need, taking their inbound inquiries on the phone and on-line and ensuring everything is working smoothly for them in the background.

Carly Roberts

Sales Administrator
01252 916 800

Having worked within the financial services industry for the last 23 years, Carly joined Fleet with a wealth of experience and knowledge. Previously working for 2 large Insurance Companies dealing with Pensions and Insurance and most recently for Pension and Investment Adviser. She is ready and waiting to help answer any BTL enquires that may across a brokers desk and provides invaluable support to the BDM team.

Ella Davidson

Underwriting Manager

Nicola Beck

Completions Manager

Sara Lane

Mortgage Services Manager


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