Meet the team

The faces behind the name

Our mission is to increase access to safe, energy-efficient modern homes across Britain. That’s why we’ve built up a team of friendly, helpful and passionate people who love matching our customers with the perfect property. Below you can find out a little bit more about each team member, their specialisms, and what gets them up in the morning.

• 

  

  Andy
  Hutchinson

  Chief Executive Officer

  Andy has worked for Lloyds Banking Group for 13 years and has enjoyed a varied career specialising in Treasury, with long prior spells at Nationwide Building Society and Barclays plc in a broad spectrum of roles. 

  He has been with Lloyds Living since its inception in 2021.

  During his time with Nationwide he had a spell as MD of ‘at home nationwide limited’, the Society’s property rental subsidiary, which he felt represented him ‘at his best’.

  Andy says:

  I’m very excited about the opportunity to develop a game-changing property rental proposition which can truly support and benefit customers throughout their rental experience. We are at the start of this journey and it is an exciting road ahead which we will navigate carefully and thoughtfully.

• 

  

  Matthew Burgess

  Deputy Chief Executive

  Matt is Lloyds Living’s Deputy Chief Executive and is currently leading the property Team on an interim basis (previously Chief Investment Officer).

  Matt joined Lloyds Living in July 2021 and led the build out of our investment team and strategy.

  Prior to joining Lloyds, Matt was most recently a Director at JLL, where he had a dual mandate across Residential Capital Markets and the Banking & Capital businesses, providing commercial advice to a spectrum of Financial Institutions on their Real Estate Strategies

  Previously, Matt spent over 10 years working in various investment focused roles at HSBC, as well as co-founding a Proptech start-up focussed on digitally connecting homeowners with recommended and reputable home improvement services. 

  Matt holds an Executive MBA from the London Business School and read Economics at the University of Exeter.

• 

  

  Paul
  Lyon

  Chief Financial Officer

  Paul joined Lloyds Living in December 2023 as Chief Financial Officer. Paul qualified as a Chartered Accountant in 2002; after several years working in M&A Lead Advisory, he joined the HBOS Treasury team in July 2007. Following the merger of HBOS and Lloyds to form Lloyds Banking Group, Paul joined Lloyds Group Corporate Treasury – initially leading on the Group Funding Plan before working on ring fencing initiatives and heading up the Group Recovery and Resolution Planning team.

  Immediately prior to joining Lloyds Living, Paul was Head of Financial Performance Analysis and Planning for the Lloyds Group Corporate Treasury Function.

• 

  

  Charity Beaven

  Head of Business Risk

  Charity joined Lloyds Living in March 2021 as its Head of Business Risk and is responsible for ensuring that business activities align with both Lloyds Living’s and LBG’s risk appetite.

  Prior to Lloyds Living, Charity spent 20+ years in internal audit or operational risk roles in Financial Services and a brief but inspiring time as the Executive Assistant to LBG’s Community Bank Director, which ignited her passion for great customer outcomes.

• 

  

  Craig
  Luttman

  Chief Strategy Officer

  Craig is Lloyds Living’s Chief Strategy Officer and responsible for our Pathways (Shared Ownership) and ESG ambitions, as well as overseeing the Customer & Marketing team. Craig also leads on the wider Lloyds Banking Group’s Housing Strategy and Initiatives, most recently supporting the formation of the Shared Ownership Council and working cross-industry in response to the Lloyds & Crisis call for 1m new social and affordable homes.

  He has 27 years of housing and development experience and joined Lloyds Living in 2021 from L&Q, where he was the Deputy Group Director for Development & Sales. In his 14 years at L&Q, Craig was responsible for growing the Development pipeline to 100,000 homes, which included the acquisition of Gallagher Estates (one of the UK’s largest strategic land businesses) and Barking Riverside (a 10,000 home Joint Venture with the GLA).

  Craig is a member of the RICS and the Association of Project Managers.

• 

  

  Rebecca
  Lewis

  Chief Property Officer

  Rebecca joined Lloyds Living in summer 2021 initially within the investment team, leading on some of our key acquisitions. As of May 2023, Rebecca heads up the property team and is responsible for lettings, property management, development and building safety.

  Prior to joining Lloyds Living, Rebecca worked most recently for Morgan Sindall Group, where she led some of their largest and most complex residential construction projects in conjunction with Homes England. Previously, Rebecca worked in the Build to Rent (BTR) team at Grainger plc, the UK’s largest Listed professional landlord, and was a key part of the team that launched and ran Grainger’s For Profit Registered Provider.

  Rebecca is a chartered surveyor and private rental sector specialist. She is a non-executive director for B3 Living.