Blog post
June 29, 2021

How we built our new Buy-to-Let criteria around broker feedback 

by Gene Clohessy, Director of Underwriting

Take a look at our latest Buy-to-Let range here

While we are a technology-enabled Buy-to-Let lender, the key to our success in the Buy-to-Let market has been our close working relationship with brokers. 

Whether it is with BDMs, case managers or underwriters, open dialogue about each case between these groups is how we continually learn, improve and enhance our product range to best support landlords to secure their deals and expand their portfolios. 

Here’s how we approach using broker feedback in our criteria decisions: 

Why is it important to use broker feedback – 

It’s important to keep up to date with what is going on in the marketplace, also what landlords are looking for. It helps us support clients with their entire portfolio or growth plans.

Also we want to hear from brokers in relation to the enquiries they are getting, so that this can help define our product set and criteria based on this feedback.

Broker feedback drives our recent criteria changes

We recently introduced new criteria changes which were informed by broker feedback, take a look at the recent changes: 

Old rule:

Issuing company shares to purchase a property in personal names is NOT accepted.


For incorporation application(s), where the property is held in personal name(s) and mirrors (exactly) with the same ownership of the SPV, we accept the issuing of shares. 


Old rule:

MUFB cases, a minimum of 12 months experience managing a similar size property.


MUFB cases, a minimum of 12 months experience managing a similar size property or if the MUFB experience is less than 12 months, customer must be currently managing the equivalent same number other BTLs in the background for over a year


Broker input was integral to the refreshing of our tier 2 borrower criteria, see how that has changed here:



































Take a look at our latest Buy-to-Let range here

Your privacy matters
We use cookies to offer you a better experience. To understand what data we collect you can access our privacy policy and cookies policy. You can also adjust your or confirm your consent by clicking the accept button.

The cookies we use:

These are required for the operation of our website. For example, they support you to log into secure areas. You may disable these by changing your browser settings, but this may affect how the website functions.
These allow us to collect information such as how you navigate our website or if you experience errors which we can use to improve your journey.
These recognise you when you return to our website so we can personalise your content and improve your visit.