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Mortgages document library

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Product Guides

Residential First Charge Mortgages Product Guide
Residential Second Charge Loans Product Guide
Buy To Let Mortgages Product Guide
Residential Product Transfer Product Guide

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Mortgages and Second Charge Loans Criteria Guide
Buy To Let Mortgages Criteria Guide

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How can we help?

Careers
Contact Us
Help centre
Privacy
Cookies
Website Terms of Use
Complaints
Bereavement
Report a change in circumstances
Fraud Awareness

Useful information

ESG
Financial
Corporate Governance
Tax Strategy
Gender Pay
Regulatory information
FSCS
Modern Slavery
Accessibility
Email Confidentiality
Internal Audit Charter

Deposits

Business Savings Accounts
Charity Savings Accounts
Deposit Solutions
ISA Savings Accounts
Personal Savings Accounts
Online Banking Login
Online Banking Register
Product Guides
FAQs
Terms & Conditions
Historic Rates

Lending

Asset Finance
Bridging Finance
Property Development Finance
Motor Finance Existing Customers
Mortgages
Structured Property Finance
Make a payment

News

Watch Our Brand Video Here
Commercial & Lending News
Savings & Deposits News
Wise Owls
Bridging Connections
Mortgage Visionaries
Case studies
UTB TV
Awards
Sitemap

© United Trust Bank 2025

United Trust Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. We are members of UK Finance, the Open Property Data Association, the Finance & Leasing Association and the Bridging & Development Lenders Association (BDLA), Patrons of the NACFB and Associates of the Financial Intermediary & Broker Association (FIBA).

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Alice Altemaire

Alice Altemaire has been Chief Executive Officer for RCI Bank UK since 2019, the banking arm of Groupe Renault providing savings and motor finance lending to UK customers. Previously, she held responsibilities at RCI Bank and Services group in Paris, as Group Controller, Vice President of Accounting and Performance Control, VP of Mobility Services and Innovation and, since 2016, she has been a member of the Executive Committee. Alice has an MBA from ESSEC Business School and a governance certificate form IFA Science Po education.

Nick P. Clegg CBE

Nick Clegg has been Chair of the board of directors of United Trust Bank, this company’s banking subsidiary, 2001 when the Bank was acquired by Insinger de Beaufort. He led a management buyout of United Trust Bank in 2003 and stepped down in 2016. He has guided UTB through years of stellar growth as well as through the extreme volatility and risk of the 2008 crash. In December 2018 Nick retired from the Chair of UTB Partners after 15 years in the role and after a massive contribution to steering the development of United Trust Bank. Nick has enjoyed a long and successful career in banking spanning nearly six decades. He joined the board of directors of Hill Samuel & Co Ltd at the age of 33 and went on to become Co-Chair of Daiwa Europe Limited and Chair of Daiwa Europe Bank plc. He has also served as a Director of the International Primary Markets Association and as a senior adviser to the Bank of England on banking supervision. Nick was a founder member, and latterly Chair, of the Daiwa Anglo Japanese Foundation and in the 2009 New Year Honours he was appointed a Commander of the Order of the British Empire (CBE) for services to UK-Japanese relations.

Richard Murley

Richard Murley studied law at Oxford University and began his career at Linklaters & Paines before moving into investment banking with Kleinwort Benson and Goldman Sachs. Following a two-year secondment as Director General of The Takeover Panel, he joined NM Rothschild & Son where he is a Senior Advisor. Richard is the Chair of Macmillan Cancer Support and UCL Partners Limited, and is a member of the Medical Research Council.

Graham Davin

Graham Davin was CEO of United Trust Bank Limited from 2004 to 2020. He began his career at Arthur Anderson and was previously Chief Financial Officer and Head of Corporate Finance of Investec Bank and a main board director of Investec for 16 years. He was a founding partner of the Insinger de Beaufort Group and a director of its listed parent and its Dutch bank. He is the Senior Independent NED of the Foschini Group, a listed multi-brand international retailing group and Chair of Optalitix, an Insurtech SaaS provider.

Michael Lewis

Michael Lewis is Chair of Foschini Group (American Swiss, Hobbs, Phase Eight, Whistles). He is an independent director at Histogenics Corporation, a partner at Oceana Investment Partners LLP, Chair at Oceana Investment Corp Ltd, and Chair at Strandbags Holdings Pty Ltd. He is on the board of directors at Histogenics Corp, Oceana Capital Partners LLP, Oceana Fund Managers (Jersey) Ltd., and Oceana Concentrated Opportunities Fund Ltd.

Andrew Woosey

Andrew Woosey is an experienced board member and trustee with significant experience in financial services. He is currently a Non-Executive Director of AIB Group (UK) Plc, a Trustee and Committee Chair on the board of the Centre for Economic Policy Research and Chair on the board of Tom’s Trust. Andrew is a Senior Advisor and Committee Chair for a number of Bain Capital LLP’s Portfolio companies. Andrew was previously a partner at Ernst and Young, is a qualified Chartered Accountant and graduated from Cambridge University.

Stephen Lockley

Stephen Lockley is Chief Administrative & Finance Officer of the international development organisation World Vision International. He is a Chartered Accountant with many years of experience in financial services and investment banking. During his career, Stephen has been the Group Finance Director of Arbuthnot Banking Group Plc, CEO of Arbuthnot Latham Private Bankers, CEO of VisionFund International, a director at Charterhouse Bank and a Non-Executive Director of an investment fund and an insurance company.

Maria Harris

Maria Harris is the former Director of Intermediary Lending at Atom Bank and is now a consultant specialising in FinTech and digital transformation in the financial services sector. Maria is a well-known and highly respected figure in the mortgage industry and was responsible for creating and launching Atom Bank’s disruptive and award winning retail mortgages proposition. She chairs the Home Buying & Selling Technology Group. She is a Chartered Fellow with the Chartered Management Institute and holds supporting roles with technology firms including Coadjute.

Andrew Herd

Andrew Herd is the Managing Director of Lancashire Court Capital Limited, a London-based investment and consultancy business. He is Non-Executive Chair of VGC Developments Limited a UK Leisure and gaming operator and a Non-Executive Director of Nexus Group Holdings Ltd a property and publishing group. He is a Chartered Accountant and worked as a merchant banker for many years. He was Managing Director and Head of Financial Institutions as SG Hambros and held senior roles with Paribas Capital Markets and Morgan Grenfell.

Sarah Laessig

Sarah Laessig is an experienced financial services senior executive and NED. She had a 17 year career at Citigroup in corporate and transaction banking. Sarah is the Senior Independent Director on the board of National Employment Savings Trust (NEST), and a NED on the board of Local Pensions Partnership Investments (LPPI). She sits on the Board of Advisors of data.world, as US based technology company. Sarah was formally a Commissioner on the Civil Service Commission, an independent regulator that oversees appointments to the Civil Service. Sarah holds an MBA for the Wharton School of the University of Pennsylvania and the Financial Times Non-Executive Director Diploma.