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My views on what the future holds for buy-to-let.

Charles McDowell

Commercial Director, Mortgages at Aldermore

With another significant change to the buy-to-let market now implemented, I wanted to share my thoughts on what the future holds for buy-to-let.

Capacity from the lender side will reduce - as many lenders have limited, or even withdrawn their appetite for portfolio buy-to-let lending. This reduction in capacity combined with the additional requirements from the new PRA changes are likely to put pressure on lender operations and a temporary drop in service across the industry is quite likely, that said, this should resolve itself as landlords, brokers and lenders get used to the new norm.

Buy-to-let is definitely becoming more complex both in terms of types of landlords and lender solutions. My view is that this represents a fantastic opportunity for brokers to add significant value to their landlord clients which will deepen and strengthen their relationships.

Put simply, I really do believe this is the age of the buy-to-let mortgage expert, and if you are an expert, or are willing to become one, the opportunities are significant.


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Charles McDowell

Commercial Director, Mortgages at Aldermore

Charles McDowell is the Commercial Director for Mortgages at Aldermore and has worked in financial services for over 15 years across a number of disciplines within the sector. He joined Aldermore as Group Financial Controller to support the Bank’s premium listing on the London Stock Exchange and inclusion within the FTSE250. In his current role he is responsible for driving the products and propositions strategy of Aldermore’s mortgages business across Commercial, Buy to Let, Residential and Property Development.