Headquarters:
Bletchley, UK
Year founded:
2022
Number of employees:
56
Phone:
0190 8909 650
Email:
info@quantummortgages.co.uk
Website:
quantummortgages.co.uk
LinkedIn:
linkedin.com/company/quantum-mortgages
“We prioritise embracing cutting-edge technologies, creative problem solving and continuous improvement to enhance our premium funding solutions and provide exceptional value to our clients”
Jason Neale
Founder and Chief Executive Officer (CEO)
Harsha Dahyea
Chief Commercial Officer (CCO)
Caroline Williams
Chief Credit Officer (CCO)
Leadership
With 25 years of experience, Jason Neale has developed a deep understanding of every facet of intermediary mortgages, having worked with lenders, distributors and advisory firms. Before founding Quantum Mortgages, he led the buy-to-let division at Axis Bank UK, overseeing all aspects of the lending operation. Earlier, as sales director at Magellan Homeloans, a specialist in buy to let and residential lending, Neale crafted and executed the sales and distribution strategy while managing the intermediary sales team. His broad industry background and hands-on leadership have earned him a reputation for expertise and a practical, relationship-driven approach.
Founder and Chief Executive Officer (CEO)
Jason Neale
Since joining Quantum Mortgages as key account manager in 2022, Harsha Dahyea has been instrumental in shaping its intermediary-only model. Her swift progression from national sales manager to head of sales, and now chief commercial officer, highlights her leadership and influence. Dahyea brings extensive experience from senior roles at Bluestone Mortgages, Metro Bank and State Bank of India, where she developed innovative mortgage propositions and built high-performing sales teams. Her dedication and expertise have been recognised with multiple BDM of the Year awards between 2018 and 2020, underscoring her reputation as a standout leader in the specialist mortgage market.
Chief Commercial Officer (CCO)
Harsha Dahyea
Caroline Williams brings over 20 years of experience in the mortgage industry, covering every stage of the mortgage life cycle. She has worked with leading lenders and brokers such as HML, Morgan Stanley, Kensington and Connells. Before joining Quantum Mortgages, Williams spent six years as mortgage operations manager at Harpenden Building Society, gaining valuable insight into the specialist and complex market and supporting customers’ individual needs. She is CeMAP qualified and holds an MSc in Leadership and Management from Loughborough, further demonstrating her commitment to professional growth and her ability to navigate the evolving landscape of mortgage lending.
Chief Credit Officer (CCO)
Caroline Williams
BRETT BASTOW, IQUMULATE PREMIUM FUNDINGs
Leadership
Leadership
Stuart Munro
Chief Risk Officer (CRO)
Stuart Munro serves as Quantum Mortgages’ chief compliance officer, bringing over 25 years of experience in the mortgage industry. He has developed deep expertise in the specialist market through roles at Magellan Homeloans, the UK’s pilot for credit repair, as well as disruptor brands like Habito, Mortgage Engine and Generation Home. Munro is skilled at building robust compliance frameworks, governance and controls and collaborates closely with Quantum’s leadership to nurture a strong compliance culture. His experience spans regulatory monitoring, managing FCA relationships, and securing authorisations for lenders and intermediaries. Passionate about innovation, he helps Quantum launch propositions that address real customer needs.
Chief Risk Officer (CRO)
Stuart Munro
Emma Niblett
Chief Experience Officer (CXO)
Emma Niblett is chief experience officer at Quantum Mortgages, responsible for delivering outstanding customer and broker experiences. With a strong background in strategic operations and service innovation, she is passionate about implementing intuitive, seamless journeys that reflect Quantum’s people-first values. Her leadership is defined by a deep understanding of the specialist mortgage market and a commitment to excellence across every touchpoint. Niblett plays a pivotal role in shaping Quantum’s culture, ensuring that experience remains central to its growth, success and reputation as a top employer in the mortgage industry.
Chief Experience Officer (CXO)
Emma Niblett
Stevens & Associates Lawyers is a leading and trusted employment law firm based in Sydney known for delivering high-quality legal expertise in the area of employment law and industrial relations across Australia, alongside a proven track record of effectively and swiftly resolving a variety of workplace law issues.
In the past year, the firm’s growth has been notable. It has:
• experienced a 213% growth in the number of client matters, increasing from 149 client matters in the 2022 financial year to 390 client matters in the 2023 financial year
• improved its online visibility, leading to over 50 online enquiries each month and a conversion rate of client leads of up to 40%
• significantly expanded the breadth and type of matters that it advises on day to day, which has increased the firm’s skillsets, diversity and resilience
• expanded its community outreach by collaborating with local Sydney venues for client seminars and continuing active participation in a Sydney small/family business group
Stevens & Associates Lawyers has adapted to digital trends by implementing an effective strategy with SEO and web design, resulting in a structural shift that has seen increased representation of employees where the firm previously mainly advised employers.
The firm’s recognition as a “Fast Firm” attests to its momentum in the employment law space.
“IQumulate is on a technology journey, and we’re just getting started”
Wayne Tower,
IQumulate Premium Funding
Matt Matson
Vice President of Technology
Francine Minervini
Senior Vice President, Chief Technical Claims Officer
Nicholas Webber
VP, WC Litigation
Pam Chhabra
Manager – Residential Strata
A founding team member of Matson Money, Matt Matson has brought innovation to the organization through the implementation of technological advancements since the early 1990s. He put Matson at the forefront of the industry by pioneering its online presence in the early days. For 10 years, Matt guided the firm’s technology and design teams, expanding them into full design, development, and networking departments.
He returned in 2018 to revolutionize Matson Money’s technology by championing the new Matson Tech team. Matson Tech is reimagining how technology can fulfill the promise of bringing purpose and the American Dream to every family it serves.
Vice President of Technology
Matt Matson
Francine Minervini is chief technical claims officer at Arch Insurance. She joined the company in 2007 as an assistant vice president in the casualty division and has held various roles of increasing responsibility in the claims department, ultimately being promoted to senior vice president in 2018.
Prior to joining Arch, Minervini held several claims handling roles with AIG. She has her JD from New England School of Law and a Bachelor of Arts in political science from Seton Hall University. She is licensed to practice law in New Jersey and New York.
Senior Vice President, Chief Technical Claims Officer
Francine Minervini
Cemal Akgul sees the head of risk and collections role as pivotal in guiding and influencing business decisions. He has more than 15 years of experience across financial and government services, most recently with the NDIS, where he was the leading consultant driving the Risk Management process’ nationwide. Prior to that, he served various roles at BMW Finance across the United States, Hong Kong, Germany and Australia.
During Akgul’s tenure at BMW Finance, he predominately worked in risk management, guiding the organisation through seismic changes between 2016 and 2018. In his time prior, he was based out of New York, leading BMW Finance’s American subsidiary's market risk and data analytics teams between 2011 and 2016.
Akgul values a balanced approach to business, encourages a positive work culture and is passionate about teaching and guiding the business and individuals at IQumulate.
Head of Risk and Collections
Cemal Akgul
Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager.
As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.
Commercial Manager
Stephen McMillan
One culmination of these efforts has been the real-world, needs-based IQEdge solution. A one-stop online quoting tool designed for both the Australian and New Zealand markets, IQEdge delivers quotes in under 60 seconds. Plus, the solution offers quote comparison and quote versioning capabilities, enabling users to review vital historical and financial data in a single page view.
IQEdge can streamline and automate application processing, underwriting document verification and payment collection, cutting the need for manual labour and minimising processing errors. A digital “self-service” platform, IQEdge, reduces the need for customer and administrative support. Meanwhile, borrowers can access their accounts, make payments and manage their policies independently and through sales and support teams, which are always available for further assistance.
“We’ve created a quality platform that simplifies the quoting process yet amplifies the customer experience,” says Gordon. “It’s a real game changer.” IQumulate offers an online digital quoting tool to clients. The best-in-market solution enables IQumulate to tailor funding offerings to brokers that align with their prefered distribution channel.
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What does IQumulate have in mind for the future?
“IQumulate is on a technology journey, and we’re just getting started,” says Wayne Tower, CEO. “Through continuous engagement with our clients, partners, marketplace and industry, we will listen to the needs as they arise and position our business to be agile and respond to changes as they occur.
“Faster decision-making innovations such as AI-powered decision support systems can expedite the underwriting and approval process, leading to quicker responses to clients. This can improve client satisfaction and potentially attract more business, creating a competitive advantage with the potential to allow IQumulate to command premium pricing or capture a larger market share.
“As forward-thinkers with a digital and ‘do it better’ mindset, we collectively and proactively look to learn and improve on our customer experience for our clients, paving the way for successful business outcomes for our clients and our business in the coming years ahead.
“We’re excited for the future and look forward to what’s on the horizon.”
Adam Basaldella
Manager – Claims
Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager.
As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.
Product Manager
Claire Watson
Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager.
As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.
Commercial Manager
Stephen McMillan
Claire Watson
Product Manager
Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager.
As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.
Product Manager
Claire Watson
Claire Watson
Product Manager
Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager.
As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.
Product Manager
Claire Watson
“No matter our accomplishments, we approach our work with humility and curiosity. We are always learning, growing, and supporting one another – recognizing that our strength lies in our collective expertise and mutual respect”
Thane Stenner
Stenner Wealth Partners+ of CG Wealth Management
“Clients can expect to work with a team that is selective by design, taking on only a number of new relationships each year to ensure the highest level of attention and service”
Thane Stenner
Stenner Wealth Partners+ of CG Wealth Management
Ivan Verescuk
Chief Executive Officer and Managing Director
Shaun O’Brien
Head of Underwriting
Emily Walker
Head of Strata and Development
Rex Oakman
Head of Operations and Risk
Sandy Newton
Head of Underwriting
Andrew Mitchell
Manager – NSW
Michael Prokopis
Manager – Southern Region
Pam Chhabra
Manager – Residential Strata
Jeffrey Valdivia
Manager – Commercial Strata
Adam Basaldella
Manager – Claims
Quantum Mortgages is a specialist buy-to-let lender built on a common-sense approach to mortgage lending. When the high street says no, we say yes. Quantum supports landlords and property investors who need a lender that truly understands their needs.
Rather than relying on tick-box credit scoring or rigid criteria, Quantum looks at the bigger picture. Whether it’s HMOs, multi-unit blocks, holiday lets or bridging finance, Quantum offers flexible solutions tailored to real-world situations. Our products are designed for experienced landlords, first-time buyers, limited companies, expats and foreign nationals, because we recognise that not every borrower is standard and not every case is simple.
At Quantum Mortgages, lending decisions are made by people, not algorithms. Our underwriters take the time to understand each case, applying logic, experience and a genuine desire to find the right solution.
Quantum works exclusively through intermediaries, supporting brokers with fast decisions, clear communication and a partnership-first mindset.
IQumulate invests in education and people, which are vital to attracting new business and talent to the company.
“We have long tenures for several of our key staff, including some in leadership positions, and this sound working knowledge of our business, practices and industry provides great insights and a wealth of experience to offer our clients,” says Bastow. “Our new head of sales, Graeme Gordon, formerly manager for New Zealand, joins us in Australia to drive our sales strategy and lead our team to successful outcomes for our clients and our business. We look forward to great things ahead with Graeme as he continues to be active and present in the New Zealand market as well as building sound working relationships and new connections in Australia.”
Clients can also expect a lot from working with IQumulate.
“Through active engagement with our trusted broker network, IQumulate provides relevant information, education and training content,” says Graeme Gordon, head of sales. “Our clients can expect IQumulate to support their business in several ways, providing an understanding of what premium funding solutions are available and how IQumulate can spread the cost of insurance and help borrowers get the right level of insurance cover to free up their cash flow for other expenses or business growth opportunities. Premium funding is often considered a tool for those who simply cannot afford to pay their premiums in full. While this is certainly a significant driver for many, it is also successfully used by profitable companies who use premium funding to manage their cash flows more wisely or better manage their liquidity.”
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