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Mortgage Lending

Our business is organised into two lending divisions, Mortgage Lending and Commercial Lending. Funding comes from a range of different sources, with the majority of new lending funded by savings deposits.


We offer buy-to-let mortgage finance for landlords operating in the UK’s Private Rented Sector.

We were one of the first lenders to pioneer buy-to-let lending and, since 1996, we have originated £29.2 billion of buy-to-let accounts.

Our customer-focused approach, combined with our expertise in property valuation and risk assessment, helps us support a wide range of customers, especially landlords with large-scale property portfolios, those investing in complex properties and those operating in corporate structures.

Business mortgage header
Mortgage icon

Landlord customers

(30 September 2023)

New lending

New lending

£1.9 billion
(12 months ended 30 September 2023)

Loan assets

Mortgage loan assets

£12.9 billion
(30 September 2023)

Customer focus

The rental sector energy challenge report

UK Private Rented Sector supports over 390,000 jobs

The rental sector energy challenge report

The rise of the limited company landlord

Raising the standards of privately rented property

Raising the standards of privately rented property

Customer and intermediary contacts

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