Supporting the UK housing market

Homes Director, Lloyds Banking Group

Andrew Asaam is the Homes Director at Lloyds Banking Group, where he leads the Group’s strategic efforts to make homeownership more accessible and sustainable across the UK. With over 25 years of experience in financial services, Andrew brings deep expertise in mortgage lending, credit risk, and housing policy. His career spans senior leadership roles at Virgin Money and TSB, where he oversaw mortgage and insurance portfolios and retail credit risk

Since joining Lloyds Banking Group in November 2020, Andrew has been instrumental in driving innovation and inclusivity in the housing market. Under his leadership, the Group has significantly expanded its support for first-time buyers, helping over 500,000 people purchase their first home and delivering more than £100 billion in first-time buyer mortgages.

Andrew has championed initiatives such as reducing deposit requirements for new-build homes to as low as 5%, and supporting shared ownership schemes with deposits starting from £4,000, making homeownership more attainable for younger and lower-income buyers. In 2024, he oversaw the launch of the First Time Buyer Boost, which enabled over 11,000 buyers to borrow more than 4.5 times their income, with a recent expansion of the initiative boosting affordability by up to 22%.

Beyond his day job, Andrew serves as Lloyds Banking Group’s Group Ambassador for the Midlands, where he collaborates with regional leaders to address housing challenges, promote skills and apprenticeships, and support the transition to a low-carbon economy. A proud Midlander, Andrew studied economics at Coventry University and remains committed to driving regional growth and innovation.

Andrew’s vision is clear: to ensure that owning a home remains an attainable dream for all, especially in an era of rising costs and affordability pressures. His leadership continues to shape Lloyds Banking Group’s role as a force for good in the UK housing market.

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Head of Halifax Intermediaries and Scottish Widows Bank

Amanda joined Lloyds Banking Group 2 years ago as head of Halifax Intermediaries and Scottish Widows Bank. Nurturing relationships with mortgage brokers across the UK, the Halifax Intermediary team deliver over 85% of the banks mortgage business and help turn home ownership dreams into a reality.

Amanda has enjoyed a successful career in the mortgage industry that spans more than 26 years. Her career in the sector started as a mortgage broker and she has gone on to enjoy a variety of senior roles across 3 of the top 6 mortgage lenders. Amandas experience brings the insight to support mortgage brokers in delivering excellent customer outcomes,  and the depth of knowledge to ensure the partnerships between lenders and brokers can continue to be meaningful and mutually beneficial.

Outside of work Amanda can occasionally be seen ruining a good walk by trying to play golf with her husband Fraser. Between them they have three sassy teenager daughters and the family favourite, their Maltipoo dog Bailey. Amanda is a self-confessed terrible cook but is very happy to sample others cooking.

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Managing Director & Head of Housing

David is a Managing Director with responsibility for Lloyds Banking Group’s relationships with clients in the house building and social housing sectors.

Having joined Lloyds Bank in 1989, David undertook numerous roles across Retail and Commercial Banking before joining the Capital Markets division in 2000. David was instrumental in the development of the Bank’s Capital Markets business in both the public and private debt markets in the UK, USA and Europe. In January 2017, David returned to relationship banking to create a new team with responsibility for UK Housing.

David has a passion for sustainability and in 2021 became a Board director of Sustainability for Housing Ltd and joined the Executive Committee of NextGeneration, both of which focus upon developing sustainability reporting standards and frameworks in the rental and new build markets. He also supports Regeneration Brainery which focuses on the putting the S in ESG.

David is ACIB qualified and has a first class honours degree in Financial Services from The University of Manchester.

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Managing Director at Lloyds Bank Corporate & Institution

Jess has more than 20 years’ experience in real estate and housing, gained in banking, private equity and law firms.

Jess joined Lloyds Bank in August 2024 as Managing Director, Head of Real Estate & Housing.  The team is fundamental to Lloyds’s purpose of Helping Britain Prosper and covers a broad range of clients and segments, from leading housebuilders, hotels and many of the UK’s social housing associations through to regional property developers and listed real estate multinationals and investors.

Prior to joining Lloyds, Jess spent 10 years with Barclays in a range of real estate leadership roles and latterly as Head of Public Sector. Before Barclays Jess worked at Blackstone, RBS and Allen and Overy. 

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