Major UK Bank Simplifies Buy-To-Let Mortgages
NatWest has revamped its buy-to-let mortgage range by reducing the affordability calculator questions to just 11. This move aims to accelerate the assessment process, benefiting brokers and property investors.
Enhanced Portfolio Landlord Assessment
For portfolio landlords, NatWest has eliminated the requirement for personal income assessments. Now, evaluations will focus on loan-to-value (LTV) and rental income, simplifying the documentation and easing the process for property investment.
Personalised Stress Rates for Buy-to-Let Mortgages
NatWest introduces dynamic product stress rates, tailoring loan affordability based on the specific product rate and term. This ensures a more flexible and reliable application process for buy-to-let investors.
Expert Opinion on the New Changes
Brad Fordham, Head of Mortgage Distribution at NatWest, highlights the bank’s commitment to delivering a consistent and flexible service. The new simplified affordability calculator is set to enhance the experience for brokers and landlords.
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