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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.

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landlord customers
(31 March 2023)

New lending

New lending

£1.02 billion
(six months ended 31 March 2023)

Loan assets

Loan assets

£12.6 billion
mortgage loan assets
(31 March 2023)

Customer focus

HMOs moving up the value chain

Mortgage Intermediary Insight Report – Summer 2023

Raising the standards of privately rented property

Raising the standards of privately rented property

The rental sector energy challenge report

The rental sector energy challenge

Customer and intermediary contacts

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