Meet the Team


Bob Young

Chief Executive 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 Lo

Chief Financial Officer

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 Lane

Chief Operating Officer

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.


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

Distribution Director
07710 126405

Steve has over 25 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.

Steve joined Fleet Mortgages in November 2018 looking after the sales and marketing functions as well as leading Fleet’s relationship strategy with key intermediary partners.

David Husbands

Telephone BDM 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.

Laura Smith

Marketing Executive
01252 931358

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.

Ella Davidson

Underwriting Manager

Nicola Beck

Completions Manager

Sara Lane

Mortgage Services Manager


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