United Trust Bank Appoints Brad Rhodes as Head of Clubs and Networks – Mortgages, BTL & Bridging

16 June 2026

United Trust Bank (UTB) has appointed experienced intermediary lending professional Brad Rhodes as Head of Clubs & Networks, Mortgages, BTL & Bridging.

Brad joins UTB from Pepper Money UK where he spent the last four years as National Key Account Manager, working closely with mortgage networks, clubs, packagers and intermediary firms to support customers requiring a more individual approach to lending. Prior to Pepper, Brad held senior intermediary relationship roles with Platform and Santander, building strong partnerships across the broker market and developing extensive experience of intermediary distribution.

Reporting to Caroline Mirakian, Proposition & Marketing Director – Mortgages, BTL & Bridging, Brad will be responsible for developing and strengthening strategic relationships with mortgage clubs, networks and key distribution partners across UTB’s residential mortgage, buy-to-let, bridging and second charge lending businesses. He will play a key role in helping more intermediaries access the Bank’s growing range of specialist lending solutions and supporting UTB’s ambitious growth plans.

His appointment comes during a period of significant investment and transformation within UTB’s Mortgages, BTL & Bridging division. Over the past year the Bank has introduced a series of service, criteria and technology enhancements designed to simplify application journeys, improve turnaround times and provide brokers with greater flexibility and certainty when placing specialist lending cases.

Commenting on Brad’s appointment, Caroline Mirakian said:

"I am absolutely delighted to welcome Brad to UTB. We have ambitious plans across our Mortgages, Buy-to-Let, Bridging and Second Charge businesses and strong relationships with clubs and networks are central to achieving those goals.

“Brad brings tremendous experience, energy and market knowledge, together with a genuine passion for the intermediary sector. Having spent many years working with clubs, networks and brokers, he understands exactly what intermediary partners need from lender relationships and how important those partnerships are in delivering great customer outcomes.”

Commenting on his appointment, Brad Rhodes said:

"I am thrilled to be joining UTB at such an exciting time. Throughout my career I have worked closely with brokers, clubs and networks and have always been passionate about the specialist lending sector, where some of the most rewarding work happens helping customers find solutions that may not be available elsewhere.

“UTB has built an outstanding reputation for service, specialist expertise and broker support, and there is a real momentum behind the business. My focus is simple: to build strong, lasting partnerships with clubs and networks, help grow distribution in a way that genuinely works for intermediaries. I am looking forward to working with our partners and helping even more brokers understand the opportunities available through UTB’s expanding range of specialist lending solutions.”