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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.


Overview

We offer buy-to-let mortgage finance for landlords operating in the UK’s Private Rented Sector, together with second charge mortgages for homeowners.

We were one of the first lenders to pioneer buy-to-let lending and, since 1996, we have originated £22.9 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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Mortgage icon

Mortgages

62,000+
buy-to-let loan accounts
(30 September 2019)

New lending

New lending

3.7% share
of all new UK buy-to-let mortgages
(12 months ended 31 December 2019)

Loan assets

Loan assets

£10.3 billion
buy-to-let loan assets
(30 September 2019)

Customer focus

 
Gavin Wise

Meet landlord, Gavin Wise

Exodus from city

Exodus from the city?

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Tenant demand reaches four-year high

Customer and intermediary contacts

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Find out more about our mortgage products

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