David Whittaker

David Whittaker

Job title: Chief Executive Officer

Date joined: 
Established Mortgages for Business in 1990

Role: As Chief Executive Officer (C.E.O), David drives the business forward on a daily basis. His passion and expertise is reflected through his active engagement and strong relationship with lenders. He is often called upon to give advice on lending criteria and help design new products.

A colourful figure within the industry, David is renowned for telling it like it is. He is frequently asked for comment by both the national and trade press and is a regular speaker at industry events.

In addition to the above, David still manages his own clients. He is a savvy negotiator, working with brokers on complex commercial, buy to let and property development finance deals that can only be placed with the specialist lenders.

David is also managing director of Keystone Property Finance which provides a range of specialist funding solutions.

Experience: David trained as a civil engineer at Sheffield University and then spent 10 years as an officer in the Royal Engineers. On leaving the army he joined broker John Charcol in 1987. Spotting a gap in the market to source mortgages for business owner-occupiers in Kent, David left Charcols in 1990 to set up his own brokerage.

From a small office with just three people and a dog, David developed the business into one of the UK’s leading, specialist brokers which has won numerous, prestigious industry awards from the likes of What Mortgage magazine, Business Moneyfacts, Mortgage Strategy magazine and Incisive Media (British Mortgage Awards).

David was instrumental in setting up the National Association of Commercial Finance Brokers in 1992, the body that promotes best practice within the industry and operates via a strict code of conduct. He has twice been its President (in 1994 and 2001).

In January 2007 David launched Keystone Buy to Let Mortgages in a joint venture with the Wilky Group. Keystone loaned some £200m of mortgages before withdrawing from the market in December 2008.

At the Business Moneyfacts Awards 2009, David’s work within the mortgage industry was recognised by a Lifetime Achievement Award presented to him by writer, presenter and comedian Sandy Toksvig.

Never one to let the grass grow under his feet, in April 2012 David re-launched Keystone Buy to Let Mortgages with funding from challenger bank Aldermore.

New Year's Resolutions:
None that are printable

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See all news
  • Home truths are uncomfortable

    David Whittaker gives his run down of this year’s Great Buy to Let Debate, an event attended by a couple of hundred industry professionals including lenders, brokers, surveyors and letting agents – even the regulator was in the room!

  • Buy to let brokers wake up!

    David Whittaker explains how he is pleased to see that the majority of buy to let lenders have adjusted their affordability calculations, but brokers need to be ready for these changes to affect the shape of the buy to let mortgage market.

  • Vote with your head not your heart

    How landlords will vote in the EU Referendum is anyone’s guess but there is a definite air of procrastination amongst them.