Get in touch to find out more. We’ll be accepting applications for our buy to let mortgages in the coming months.

We’re ModaMortgages from Chetwood Financial, a modern kind of bank

ModaMortgages was created by the UK digital bank, Chetwood Financial, whose focus since 2016 has been to use technology and highly targeted products to make people better off.

Chetwood has launched a number of brands across savings and unsecured credit for customers with complex needs, and we’re now bringing our approach and expertise to the specialist buy to let mortgage market.

We’re backed by Elliott Advisors (UK) Limited and generate funding using retail deposits through our savings brand SmartSave.

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Why ModaMortgages


We add depth, variety and diversity to your business offering

From limited companies to portfolio landlords, HMOs to MUFBs, and from first time landlords and first time buyers to existing landlords, our specialism helps to boost your client offering.

Informed, expert people

We’ve brought together a team of experts, with up-to-date knowledge and industry experience enabling them to help you.

A safe pair of hands

We’re part of a strong, secure and stable bank that’s well funded, so you know we’ll always be open for business.

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Stay on top of it all

We think fast and work fast, so we can continually update our products to keep pace with the market and provide customer-focused solutions.

Speed things up

With no legacy systems, we’ve been able to develop slick internal processes that support your own processes. We help speed you up, not slow you down, backed by a simple and easy online application process.

Transparent decisions for better solutions

We’re first on the scene to help with transparent decisions so you can find a suitable specialist lending solution for your clients.

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Decisive decisioning

Upfront processing of affordability enables a quick yes/no decision in principle.

Talk to your clients with confidence

Straight-talking criteria with no surprises. That way, you can be confident in what you’re telling your clients.

Get in touch, your way

Direct access to experts when needed — you choose the best way for you. Telephone, face-to-face, live web chat, case tracking. We provide office-based broker support from experienced professionals too. And our experienced field-based relationship team are always ready for a chat.

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Our senior management team

Andy Mielczarek
Founder & CEO

Andy is an experienced commercial banker, with a proven track record in senior leadership roles across the financial service industry, driving performance and growth. He was the Deputy Head of HSBC’s UK Retail Bank, Commercial Director and Head of Retail Products for HSBC Europe, leading the introduction of broker mortgages into HSBC for the first time. He has a deep understanding of the banking sector and the regulatory environment, having been appointed Chair of FCA Smaller Business Practitioner Panel in 2022.

Ian Lonergan

As the Group Chairman of Chetwood Financial, Ian provides leadership of the Board. He’s been working with ModaMortgages since 2021 where he’s been instrumental in strategy, design and the launch of the mortgage business. In his executive career, Ian was the CEO and founder of Charter Court Financial Services (CCFS) which, via its brand Precise Mortgages, grew from launch to be one of the largest buy to let and residential specialist mortgage lenders in the UK. Charter Court gained banking permissions in 2015 and launched Charter Savings Bank the same year. Ian led CCFS through its listing on the FTSE 250 in 2017. Ian has worked in financial services for over 30 years.

Simon Allsop
Chief Financial Officer

Simon is the executive responsible for all aspects of finance and treasury at ModaMortgages. With over 15 years of experience in the challenger bank and non-bank FI space, he holds extensive knowledge and specialisation in Liability Management, Treasury, and Capital Markets. As a senior finance expert, Simon was a key member of the senior management team taking Charter Court Financial Services through its 2017 IPO. He has also acted as Group Director of Capital Markets and held several senior positions at Fitch Ratings.

Paul Patterson
Chief Risk Officer

Paul oversees ModaMortgages' risk management, credit risk and compliance activities. With 18 years of experience in various management and risk roles at Barclays, HSBC and Hitachi Capital (UK) PLC, he holds the expert knowledge to deliver the right balance between risk management and commercial delivery.

Andrew Arwas
Director of Mortgages

With over 30 years' experience in financial services, Andrew has led the strategy and implementation for several major business transformations and launches, including that of LiveLend in 2018 - Chetwood's first consumer brand. Most recently, Andrew led the definition of Chetwood's Mortgage Strategy and has guided the delivery of ModaMortgages since that time. Prior to Chetwood, Andrew spent 12 years with Barclays, including three years as Head of Strategy and then Head of Change for Barclays Mortgages. After leaving Barclays, Andrew worked for 11 years at financial service consultancy, Capco, ultimately leading the UK Wealth & Asset Management Practice.

Sam Compton
Director of Operations

Sam is Director of Operations at Chetwood Financial. With over 22 years in the financial services sector, Sam has a proven track record in leading high-performance senior leadership teams across multiple functions and geographies with a focus on the customer. With extensive experience in retail banking and asset management, Sam previously led Customer Service Planning and Strategic Operations for the Bank of America and was responsible for Client Services and Customer Experience at Close Brothers Asset Management. 

Darrell Walker
Head of Mortgage Sales and Distribution

Darrell joined ModaMortgages in 2022 with a wealth of experience in the mortgage industry and a proven track record in delivering exceptional commercial advantages. As an expert senior bank and financial services leader with over 30 years of experience in banking and lending distribution, Darrell was part of the senior team at Shawbrook Bank before joining ModaMortgages. Additionally, he has held several previous senior roles with OneSavings Bank, Legal & General and Lloyds Banking Group.

Iqbal Singh
Head of Credit Risk (Secured)

Iqbal joined ModaMortgages in January 2022 following more than 25 years of financial services experience working in senior credit risk roles relating to specialist buy to let and residential mortgages. Prior to joining ModaMortgages, Iqbal spent more than 13 years at Precise Mortgages as part of the launch team for the specialist lender. Iqbal has also held roles in Credit Risk at Coventry Building Society and NatWest Mortgage Services.

Roselle Allsop
Director of Marketing

As Director of Marketing Roselle is responsible for the marketing strategy and the brands at Chetwood Financial. Roselle is a marketing professional, with 23 years of experience in financial services at senior management level providing strategic direction, setting strategy, and specialising in brand creation. To date, Roselle has created some of the financial service industry’s leading specialist lender and challenger bank brands, such as the award-winning Precise Mortgages, Charter Savings Bank and Charter Court Financial Services brands. Roselle was also fundamental in the nurturing and growth of the FTSE 250 brands, OSB Group (One Savings Bank), Kent Reliance for Intermediaries, Kent Reliance and InterBay Commercial.

Get in touch

Contact us to find out more. We’ll be accepting applications for our buy to let mortgages in the coming months.

Get in touch

ModaMortgages is a trading name of Chetwood Financial Limited, company number 09964966. Chetwood Financial Limited is a company registered in England and Wales. Registered office: Ellice Way Wrexham LL13 7YT.

Chetwood Financial Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 740551. Buy to let mortgages for business purposes are not regulated by the Financial Conduct Authority and you will not have any of the protections that the Financial Conduct Authority offers in respect of regulated mortgage contracts or consumer buy to let mortgages. If you wish, you may check the Financial Services Register on the Financial Conduct Authority’s website Financial Services Register or by contacting the Financial Conduct Authority on 0800 111 6768.

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