Malcolm Davidson is Managing Director and co-founder of UKMM Ltd, the company behind UK Moneyman. With more than 30 years in the mortgage industry, he has built the business from its beginnings in 2009 into a group serving customers across England, Scotland and Wales.
During his career, Malcolm has advised customers across a wide range of mortgage circumstances and trained and mentored dozens of mortgage advisors. He now focuses on leading the business, developing its people and shaping the service we provide.
Malcolm is an established mortgage market commentator, contributing to television and radio discussions, including BBC News and GB News. Journalists regularly seek his views on mortgage rates, borrowing and developments affecting homeowners.
Alongside broadcast interviews, he writes for industry publications including Mortgage Strategy, Mortgage Solutions and Mortgage Introducer. He also presents MoneymanTV, explaining mortgage topics and answering questions from buyers and homeowners.
His articles bring together practical mortgage experience, business leadership and a close understanding of the issues affecting borrowers.
Amy Davidson is a Director and co-founder of UKMM Ltd. She established the business with Malcolm Davidson in 2009, bringing a background spanning banking, financial advice and mortgages.
Amy holds a BA (Hons) in Financial Services, alongside Financial Planning Certificate, CeMAP Bridge and Certificate in Regulated Equity Release qualifications. Her experience across different areas of financial services gives her a broad understanding of borrowing, protection and the questions customers face when arranging a mortgage.
She brings that knowledge to our website content, working with the team to explain mortgage options in clear, accessible language. Her articles connect the details of mortgage products and processes with the practical questions readers need answered.
As both a director and an author, Amy combines an understanding of the business with a focus on how we communicate with customers. Her writing helps make complex mortgage subjects easier to understand, from preparing an application to reviewing existing borrowing.
Dan Osman is Head of Age 50+ Mortgages at UK Moneyman and winner of the Broker: Later Life Lending category at the British Mortgage Awards 2026.
His expertise covers retirement mortgages, retirement interest only mortgages, lifetime mortgages and equity release. He leads our Age 50+ Mortgage Team, helping customers understand the full range of borrowing options available as their circumstances change.
Dan began his financial services career in 2002. After leaving the industry in 2008, he qualified as a social worker and worked with vulnerable adults before returning to mortgages. That combination of experience gives him a distinctive understanding of both lending and the personal circumstances behind a mortgage application.
He holds CeMAP and Certificate in Regulated Equity Release qualifications. His approach considers alternatives to equity release, including other mortgage options and solutions that do not involve further borrowing.
Dan also contributes to mortgage industry publications and discussions about older borrowers. His articles draw on his specialist work to explain complex options clearly and challenge misconceptions about borrowing beyond age 50.
Wayne Dewsbury is Customer Care Manager at UK Moneyman, bringing more than four decades of financial services experience to the way we welcome and support customers.
He began his career at Nationwide in 1983 as a Trainee Manager, progressing into management and business development roles across building societies and mortgage companies. His career has given him extensive knowledge of the mortgage industry and the questions borrowers face at different stages of their lives.
Wayne holds CeMAP and Certificate in Regulated Equity Release qualifications. He now leads our Customer Care Team, overseeing the first point of contact for customers and helping enquiries reach the right people within the business.
He has also contributed to industry articles and television and radio features, drawing on his experience of the mortgage market.
His writing combines industry knowledge with an understanding of what customers want explained. He covers the mortgage process and the practical questions people ask when buying a home, reviewing their mortgage or considering their borrowing options.
Our spokespeople bring decades of mortgage industry experience to interviews, expert commentary and opinion pieces.
Malcolm Davidson, Managing Director of UKMM Ltd, contributes to television and radio discussions, including BBC News and GB News. He also provides commentary for journalists and writes regularly for Mortgage Strategy, Mortgage Solutions and Mortgage Introducer.
Dan Osman, Head of Age 50+ Mortgages and winner of the Broker: Later Life Lending category at the British Mortgage Awards 2026, provides specialist insight into retirement mortgages, equity release and the issues affecting older borrowers.
For interviews, comments and editorial contributions, call 0333 412 2222 or email [email protected].
MoneymanTV brings Malcolm Davidson’s 30 years of mortgage industry experience to a library of more than 500 videos, with nearly 1,000 subscribers.
Malcolm answers the questions buyers and homeowners ask, from getting a first mortgage and moving home to remortgaging, buy to let and borrowing in retirement.
Alongside explanations of mortgage options, he discusses market developments and what they could mean for borrowers. Each video makes mortgage information more accessible, giving viewers clear explanations from someone who has spent his career working in the industry.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Read our Reviews
UKmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© UKmoneyman 2009–2026
UKmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© UKmoneyman 2009–2026
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