We use cookies to track usage and preferences.

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 £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.

Business mortgage header
Mortgage icon


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?

Estate agent window

Tenant demand reaches four-year high

Customer and intermediary contacts

Product Icon

Find out more about our mortgage products

View products
Customer service icon

Contact our customer service team

Find out more