Keen to hear from mortgage brokers who have seen a marked increase in the detail being asked of landlord borrowers by lenders.
One landlord has been asked for their full tax return for the first time in 20 years in the BTL sector and was even asked how they funded their initial investment from two decades ago. It was for a remortgage on a let property at 50% LTV.
Are lenders more cautious now? And why?