View more on these topics

Curriculum Vitae – Guy Garrard

NAME: Guy Garrard

AGE: 37

COMPANY: em Financial

JOB TITLE: Director of business development

WHERE DO YOU LIVE?

Bagshot in Surrey.

DESCRIBE YOUR JOB:

I am em&#39s minister without portfolio. As best as any human can I back up Roger Morris on his one-man mortgage packaging crusade and am his political adviser when his collar gets warm. I am also em&#39s representative on as many golf days as possible. My ambition is to play more corporate days than Paul Robinson at Solent.

WHAT WAS YOUR FIRST JOB?

Working for Royal Life in central London on a mortgage desk, a rare thing at the time. It was at the time when Royal Life inspectors used to go to the likes of John Charcol with a wheelbarrow to bring back the endowment proposal forms.

WHAT WAS YOUR LAST JOB?

A business development role at the infamous The Mortgage Placement Company. An interesting ride if you like roller coasters.

WHAT HAVE YOU DONE IN BETWEEN?

I worked at Mortgage Services Ltd, which became Hypo MSL, which became Birmingham Midshires MSL, which became RFC, which became GMAC-RFC! I had some interesting times in all those companies and worked with really good people. I suppose the most fascinating time was in the early 1990s working on the disposal of several thousand repossessions. I learned more about the mortgage market, its introducers, solicitors and valuers in those three years than in my other 15 years in the industry put together.

WHAT HAS BEEN THE DEFINING POINT OF YOUR CAREER?

A meeting in 1996 with Roger Morris. He told me that we would work together when the time was right and that we would be successful together.

AND THE MOST EMBARRASSING?

Possibly in 1990 as a young business development manager working for John Rice at MSL. I had to go to Liverpool, stand in front of approximately 100 self-employed financial advisers and explain to them why we had withdrawn several hundred mortgage offers as a result of a retrospective criteria change. It was certainly character-building. Or perhaps it&#39s having to admit to believing any of Roger&#39s predictions.

DO YOU HAVE A MORTGAGE?

Yes. I was with GMAC-RFC until it sold me to the Derbyshire.

FUN STUFF

WHAT&#39S YOUR FAVOURITE RESTAURANT?

The Lahore in Umberston Street off Commercial Road in London. Anyone who has been there will know why.

WHAT&#39S THE MOST YOU&#39VE EVER SPENT ON DINNER FOR TWO?

That would be telling.

WHAT&#39S YOUR FAVOURITE BAND?

I am proud to say that I have no interest in current musical trends and am happily trapped in a time warp. I refuse to even acknowledge anything not recorded between 1978 and 1990. If I had to pick just one, my desert island disc would probably be Talking Heads&#39 Stop Making Sense.

WHAT&#39S YOUR FAVOURITE TIPPLE?

A lovely cup of freshly brewed Twinings English Breakfast Tea. My inability to cope with alcohol is well known. I just don&#39t try any more and there are, let&#39s face it, already too many experts in this industry.

HOBBIES AND INTERESTS?

I am a bitter Tottenham Hotspur supporter. Not proud but definitely bitter. And now I hear that Roman Abramovich wanted Spurs first… I have also been known to play the odd round of golf now and again. And I really do want to beat that Robinson bloke.

Recommended

Just 6% of FTBs understand mortgages, says MCCB

Only 6% of first-time buyers have a good understanding of mortgages, research from the Mortgage Code Compliance Board has revealed. With just a year before the FSA takes over the regulation of mortgages, the MCCB says the research highlights the importance of high quality mortgage advice to consumers. Conducted from a sample of FTBs, it […]

Personal debt balloons to over £5,000 each

Unsecured personal debt has grown by almost 50% since 1997 and now stands at £5,330 per person, data from the Office of National Statistics has revealed. The data has raised great concern with incomes growing by only 23% over the same period. Personal debt has grown twice as fast as incomes since 1997 and has […]

Detached properties most popular type of new-build

Research from the Halifax shows that although households are getting smaller, three and four-bedroomed detached properties are still the most common type of property being built. Wales, at 89% and East Anglia, at 70% have the greatest number of new detached houses being built whilst new detached homes in Greater London account for less than […]

Authorisation benefits for GISC members

Members in good standing of the General Insurance Standards Council will have a smoother journey through the authorisation process, the FSA announced yesterday. Sarah Wilson, director of the high street firms division, has confirmed that applications from GISC members in good standing will receive “a level of scrutiny which reflects the standards set by GISC”. […]

A question of service

Roy Armitage, head of credit, LendInvest Selling a loan is the part of a lender’s workload most visible to brokers and borrowers. Just as crucial – but less frequently observed – is how that lender services that loan. A commitment to quality servicing is one that’s front and centre for us at LendInvest and it’s […]

Newsletter

News and expert analysis straight to your inbox

Sign up