Name: Charles HaresnapeAge: 47 Company: Bank of Scotland Mortgages. Job title: Managing director. Where do you live? Ravelston, Edinburgh, which is two miles from the city centre. I have lived there for eight years and really enjoy the culture and lifestyle of Edinburgh. Describe your current job: I have profit and loss responsibility for BoS Mortgages. This includes sales volume, income and processing to ensure we operate within budget but more importantly provide the service our brokers expect. I am also involved in bringing products to market and developing partnerships with brokers. What was your first job? I was a graduate management trainee at NatWest’s Stockport branch in 1979. Once qualified I quickly progressed through the managerial ranks. What I learned gave me the grounding to further my career in banking. What was your last job? Director of mortgage sales and intermediary development for the Royal Bank of Scotland and NatWest, where I was responsible for branch, telephone and intermediary mortgage sales. What have you done in between? I worked at Nationwide where I had responsibility for acquisitions and management of third party mortgage portfolios as well as commercial lending. In commercial lending I was responsible for completing building finance schemes with house builders in the early 1990s – a difficult time in the market cycle. I then became sales director for UCB Homeloans. What has been the defining point of your career to date? To be involved in the acquisition of NatWest, then eventually running the combined mortgage sales show. And the most embarrassing? Crashing my Nationwide company car into another staff car on the slip road near Nationwide’s head office. Needless to say I hurried away from the scene – but did leave my details on the bashed car’s windscreen. Do you have a mortgage? Yes, with Alliance & Leicester. At the time it was an excellent two-year discount but I’m keen to change it to Bank of Scotland in August. The Personal Choice product will allow me to manage my mortgage more flexibly and save me money. What’s your favourite restaurant? In Edinburgh I like Olorosso for its simple but interesting food, while in London its the Oxo Tower. What’s the most you’ve ever spent on dinner for two? When I left RBS it kindly paid for a meal for my wife and I. It cost 300 at Sketch in London. This was far too high a price to pay for a trendy, people-spotting experience. What’s your favourite band? U2. All their albums are great, especially How To Dismantle An Atomic Bomb. I have been lucky enough to see them in concert twice. What’s your favourite tipple? Red wine – a Wolf Blass President Collection Shiraz from the New World. Do you have any hobbies and interests? I like golf – I’m trying to improve my handicap of 20 – and am also an armchair Manchester United supporter. Another interest is exploring coffee and tea shops in various areas.
Home Information Packs were the cause of another spat between the government and the Conservative party last week. It started with Conservative MPs pressing housing minister Yvette Cooper on the precise timetable for the introduction of HIPs and ended with Cooper cautioning Michael Gove, Tory MP for Surrey Heath, against becoming the parliamentary spokesperson for […]
Blemain Finance has launched a product for second charge cases where consent has been declined from prime and sub-prime first charge lenders.Typically consent is declined by first charge lenders if there are mortgage arrears or if the client has not had the mortgage for six months or more.Loan terms of between three to 25 years […]
Skipton has launched a three-year base rate tracker capped at 4.75% which is equivalent to initial monthly payment of 569 for a 100,000 repayment deal.
Sesame has launched a general insurance product range called Sesame Insure. The product has been designed to strengthen the network’s position in the GI market.
Health Shield is planning to introduce a GP helpline this month as part of an extensive product development drive.
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