We know that landlords seeking financial stability and long-term planning often turn to their mortgage intermediary for guidance and support.
You play a crucial role in helping landlords navigate the complex mortgage market, especially in times of economic uncertainty or fluctuating interest rates.
Hear Ian Andrew, our Intermediary Relationships Director explain the status of the current buy to let market and talk through the challenges Intermediaries may face into when supporting their buy to let clients.
This video was recorded in April 2025. The information was accurate at time of filming.
Here are 6 tips which may be useful to know in your conversations with landlords to help reassure them and support them with certainty.
We know a primary concern for landlords is certainty around their financial goals and investment strategy.
Whether the aim is to expand their property portfolio, refinance existing loans, or secure a mortgage at a rate which ensures their portfolio remains profitable, you're there to support them with tailored financial advice.
We have several digital tools to help you access information about our propositions and products quickly and easily:
Certainty for landlords also comes from knowing what opportunities they can take advantage of at any point and which lenders will support access to additional finance if they have a bill or repair to account for.
All great intermediaries offer ongoing support, like annual portfolio reviews or alerts when a better deal becomes available.
To help you make the most of these conversations with your client, we have developed portfolio review. The tool gives you (and your clients) an understanding of potential future lending with us against their entire portfolio - whether their mortgage is currently with us or not.
This proactive approach will help you maintain relationships and quickly service your clients' needs.
The mortgage market is influenced by many elements including: interest rate changes, government policy, and lender criteria - all of which can shift rapidly. We know how challenging it can be to stay on top of the fast-moving market, and that you need to know the latest information so you can best advise your client when to act.
We understand the balance needed to give you information quickly and in a manner that doesn't take up too much of your time. So, we will:
As it stands today (August 2025) landlords are navigating major potential changes driven by the new Renters' Right Bill, and the Minimum Energy Efficiency Standards (MEES). In addition, reforms like; stricter anti-discrimination rules, changes to stamp duty and parts of the Leasehold and Freehold Reform Act are coming into effect.
These shifts can feel overwhelming; we seek to reassure landlords by providing clear information based on factual change and not speculation. And, where changes are going to prove challenging, could cause un-certainty for landlords and ripple through the private rented sector we will lobby for change.
Even with the best preparations we know things can get delayed or plans can change. We have worked to streamline the time it takes to offer by a quarter; every submission now has a dedicated case owner. And we are committed to asking for information upfront, so you don't have any nasty surprises to convey to your client.
We understand the role we play in supporting you give your client confidence with firm, quick decisions and continuously seek to deliver excellent experience.
Last year our Intermediary support teams served 150,000 calls, 12,500 emails and 250,000 live chats. We have invested in a 90+ team of experts. Take a look at our service levels, which are updated daily.
We have over 50 dedicated Business Development Managers ready to help, face-to-face, over the phone and via email. Working alongside them, we have an expert team supporting you over the phone and via our live chat service.
The entire team are experts in mortgage finance and our products, applications, lending policy and criteria.
