Headquarters:
No. 5 Arlington Square, Downshire Way, Bracknell, Berkshire RG12 1WA
Year founded:
2015
Number of employees:
300
Phone:
0344 770 8032
Email:
enquiries@foundationhomeloans.co.uk
Website:
foundationforintermediaries.co.uk
LinkedIn:
linkedin.com/company/6387436
"We are constantly living by our core values: integrity, impact and teamwork"
Julie Giraldi,
CAAT Pension Plan
Read on
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FOUNDATION HOME LOANS
Kelly Pallister
Managing Director, Operations
George Gee
Managing Director, Commercial
Spencer Gale
Director of Distribution and Marketing
Leadership
Having re-joined Foundation Home Loans in 2020, Kelly Pallister progressed from director of servicing to managing director of operations in 2022. An operational asset management professional, she is best known for delivering effective change management projects and passionately leading by uniting all of the parties that contribute to the end-customer journey.
Managing Director, Operations
Kelly Pallister
George Gee has 20 years of experience in the UK financial services industry, with over 10 years focusing on the specialist mortgage market. At Foundation Home Loans, his responsibilities include sales, marketing and product development. Prior to joining Foundation Home Loans, Gee worked as the commercial director for a consumer credit provider. Earlier in his career, he held roles with Lehman Brothers, Kensington and GMAC RFC.
Managing Director, Commercial
George Gee
Spencer Gale is a respected figure in intermediary lending, leveraging 22 years of experience in facilitating non-conventional mortgages for intermediaries. He is dedicated to enhancing the customer journey and service quality at Quantum Mortgages. Previously, as head of sales at ULS Technology, Gale assisted intermediaries in enhancing their conveyancing offerings while managing the sales team. His background includes roles as key account manager at Axis Bank UK and regional sales manager at Magellan Homeloans.
Director of Distribution and Marketing
Spencer Gale
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“We are constantly living by our core values: integrity, impact and teamwork”
Julie Giraldi,
CAAT Pension Plan
“Now, we have much more frequent recognition awards because we want to celebrate people staying at CAAT and recognize the contributions that they bring to the organization”
Julie Giraldi,
CAAT Pension Plan
Read on
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Leadership
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Bio
“Now, we have much more frequent recognition awards because we want to celebrate people staying at CAAT and recognize the contributions that they bring to the organization”
Julie Giraldi,
CAAT Pension Plan
“We are constantly living by our core values: integrity, impact and teamwork”
Julie Giraldi,
CAAT Pension Plan
Read on
Award Winner
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Emma Niblett
Head of Business Operations
With over 10 years of experience working within the regulated sector, Emma Niblett is an expert in leading innovation, change and transformation. Working with ambitious organisations at a senior level, she specialises in enterprise programme management, with a focus on technical change. Niblett has significant experience in financial services, regulatory governance, operational transformation and agile project delivery. She is passionate about building businesses underpinned by a customer-led culture.
Head of Business Operations
Emma Niblett
Caroline Williams
Head of Underwriting
Caroline Williams has 18 years of experience within the mortgage industry, covering all aspects of the mortgage life cycle and working for a multitude of major mortgage lenders and brokers, including HML, Morgan Stanley, Kensington and Connells. Prior to joining Quantum Mortgages, she was the mortgage operations manager for Harpenden Building Society for six years, which provided valuable insight into the specialist and complex market supporting the individual needs and circumstances of the customers.
Head of Underwriting
Caroline Williams
Foundation Home Loans operates under the banner of Paratus, a specialist intermediary-only lender and mortgage servicer with a three-decade track record. Since 2015, Foundation Home Loans has been catering to borrowers with intricate needs, providing manually underwritten Residential and Buy-to-Let mortgage criteria.
The company prioritises delivering an exceptional broker experience, which shapes its organisational culture. Through broker analysis based on feedback, Foundation has finessed its intermediary offering, asking only necessary questions at DIP stage, providing instant and accurate decisions, and shaping an easy to use online broker portal.
Since 2020, the entire Foundation team has embraced a hybrid work model, with the central hub situated in Bracknell, Berkshire. Functioning as both an originating lender and mortgage servicer, the company boasts an internal structure encompassing broker-facing Sales, Marketing, Origination, and Commercial teams. These departments are complemented by Underwriters, a customer-centric service team, and in-house Legal, IT, and Finance departments. A commitment to workplace diversity and inclusion underscores Foundation Home Loans' business ethos.
Foundation Home Loans prides itself on swift turnaround times, attributed to streamlining the underwriting process and substantial investments in new systems. Looking ahead, the company remains dedicated to preserving its strong reputation by sustaining personal contact and manual underwriting for our intermediary partners.
“Now, we have much more frequent recognition awards because we want to celebrate people staying at CAAT and recognize the contributions that they bring to the organization”
Julie Giraldi,
CAAT Pension Plan
Stuart Munro
Head of Compliance and Risk
Tola Bashir
Finance Manager
Harsha Dahyea
National Sales Manager
Sarah M Stewart
Associate Vice President,
Leasing and Call Centre Operations
Stuart Munro is a highly regarded compliance professional in the mortgage industry with more than 25 years of experience. He has worked with notable companies such as Magellan Homeloans, Habito, Mortgage Engine and Generation Home, specialising in compliance frameworks, governance and consumer protection. Munro has a track record of supporting successful regulatory authorisations for lenders and intermediaries, and he enjoys driving innovative initiatives to solve market challenges for customers.
Head of Compliance and Risk
Stuart Munro
Tola is a Chartered Accountant with over 8 years of experience managing Investments, Finance systems, and processes to drive ambitious growth and maximize profitability while delivering quality service. Prior to joining QML, she was a Senior Accountant at Daniel Ford & Co Ltd, an investment property management company that offers bespoke services to high-net-worth property investors. Tola holds a master’s degree in Finance and Investment from the University of Buckingham and is a member of the Association of Chartered Certified Accountants (ACCA).
Finance Manager
Tola Bashir
Harsha has extensive experience in the specialist mortgage market, in particular on the launch of mortgage propositions where she held previous roles at Bluestone Mortgages, Metro Bank & State Bank of India. She was instrumental during the start-up phase at Bluestone and went on to be a highly successful Key Account Manager, winning a major networks BDM of the year award in 2018, 2019 and 2020.
National Sales Manager
Harsha Dahyea
Sarah M Stewart has more than 15 years of strategic leasing and customer care experience in residential property management. She is responsible for overseeing all aspects of Centurion’s national leasing platforms, residential lead generation, and overall customer experience excellence through operation of the company’s internal customer service department.
Associate Vice President, Leasing and Call Centre Operations
Sarah M Stewart
Stuart Munro
Head of Compliance and Risk
Sarah M Stewart
Associate Vice President, Leasing and Call Centre Operations
Harsha Dahyea
National Sales Manager
Tola Bashir
Finance Manager
Stuart Munro is a highly regarded compliance professional in the mortgage industry with more than 25 years of experience. He has worked with notable companies such as Magellan Homeloans, Habito, Mortgage Engine and Generation Home, specialising in compliance frameworks, governance and consumer protection. Munro has a track record of supporting successful regulatory authorisations for lenders and intermediaries, and he enjoys driving innovative initiatives to solve market challenges for customers.
Head of Compliance and Risk
Stuart Munro
Tola is a Chartered Accountant with over 8 years of experience managing Investments, Finance systems, and processes to drive ambitious growth and maximize profitability while delivering quality service. Prior to joining QML, she was a Senior Accountant at Daniel Ford & Co Ltd, an investment property management company that offers bespoke services to high-net-worth property investors. Tola holds a master’s degree in Finance and Investment from the University of Buckingham and is a member of the Association of Chartered Certified Accountants (ACCA).
Finance Manager
Tola Bashir
Harsha has extensive experience in the specialist mortgage market, in particular on the launch of mortgage propositions where she held previous roles at Bluestone Mortgages, Metro Bank & State Bank of India. She was instrumental during the start-up phase at Bluestone and went on to be a highly successful Key Account Manager, winning a major networks BDM of the year award in 2018, 2019 and 2020.
National Sales Manager
Harsha Dahyea
Sarah M Stewart has more than 15 years of strategic leasing and customer care experience in residential property management. She is responsible for overseeing all aspects of Centurion’s national leasing platforms, residential lead generation, and overall customer experience excellence through operation of the company’s internal customer service department.
Associate Vice President, Leasing and
Call Centre Operations
Sarah M Stewart
Stuart Munro
Head of Compliance and Risk
Harsha Dahyea
National Sales Manager
Tola Bashir
Finance Manager
Anthony Dippolito
Chief Wellness Officer
Stuart Munro is a highly regarded compliance professional in the mortgage industry with more than 25 years of experience. He has worked with notable companies such as Magellan Homeloans, Habito, Mortgage Engine and Generation Home, specialising in compliance frameworks, governance and consumer protection. Munro has a track record of supporting successful regulatory authorisations for lenders and intermediaries, and he enjoys driving innovative initiatives to solve market challenges for customers.
Head of Compliance and Risk
Stuart Munro
Tola is a Chartered Accountant with over 8 years of experience managing Investments, Finance systems, and processes to drive ambitious growth and maximize profitability while delivering quality service. Prior to joining QML, she was a Senior Accountant at Daniel Ford & Co Ltd, an investment property management company that offers bespoke services to high-net-worth property investors. Tola holds a master’s degree in Finance and Investment from the University of Buckingham and is a member of the Association of Chartered Certified Accountants (ACCA).
Finance Manager
Tola Bashir
Harsha has extensive experience in the specialist mortgage market, in particular on the launch of mortgage propositions where she held previous roles at Bluestone Mortgages, Metro Bank & State Bank of India. She was instrumental during the start-up phase at Bluestone and went on to be a highly successful Key Account Manager, winning a major networks BDM of the year award in 2018, 2019 and 2020.
National Sales Manager
Harsha Dahyea
Sarah M Stewart has more than 15 years
of strategic leasing and customer care experience in residential property management. She is responsible for overseeing all aspects of Centurion’s national leasing platforms, residential lead generation, and overall customer experience excellence through operation
of the company’s internal customer
service department.
Associate Vice President,
Leasing and Call Centre Operations
Sarah M Stewart
Sarah M Stewart
Associate Vice President,
Leasing and Call Centre Operations
Karen Bannister, CM
Vice President, Marketing
Dave Longbottom
Chief Technology Officer
Alex Ventura
Head of Marketing
Damian Palovick
Senior Vice President of Underwriting
AXA XL – Delegated Authority Programs, North America
Dr. Mary Lavoie
Head of Risk Management and Senior Vice President
AXA XL – Delegated Authority Programs, North America
Mark Bernacki
Chief Underwriting Officer
Ryan Armijo
Chief Operating Officer, Underwriting Division
Bob Petrilli
President, Underwriting Division
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