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Mortgage Lending

Our business is organised into three lending divisions, Mortgage Lending, Commercial Lending and Idem Capital. 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 £25.4 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.

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buy-to-let loan accounts
(31 March 2022)

New lending

New lending

4% share
of all new UK buy-to-let mortgages
(12 months ended 30 September 2021)

Loan assets

Loan assets

£11.8 billion
buy-to-let loan assets
(31 March 2022)

Customer focus

Viewing property

Where next for private renting?

Urban BTL bounces back

Urban BTL bounces back

Gavin Wise

Meet landlord, Gavin Wise

Customer and intermediary contacts

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Find out more about our mortgage products

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Contact our customer service team

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