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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, 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 £23.8 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
(30 September 2020)

New lending

New lending

3.1% share
of all new UK buy-to-let mortgages
(12 months ended 30 September 2020)

Loan assets

Loan assets

£10.6 billion
buy-to-let loan assets
(30 September 2020)

Customer focus

Gavin Wise

Meet landlord, Gavin Wise

private rental sector tenants

Who are the UK’s private rental sector tenants?

Solar panel installation

Landlords warm to Government’s Green Homes Grant scheme

Customer and intermediary contacts

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