FOR INTERMEDIARY USE ONLYAldermore Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential

Regulation Authority. (Financial Services Register number: 204503). Registered office: 1st Floor, Block B, Western House, Lynch Wood, Peterborough, PE2 6FZ. Registered in England No. 947662.

The Key to Buy-to-letAldermore Residential Mortgages

Agenda

The Aldermore Story• The Market and its Drivers

• Opportunities

• Our Key Features

• Case Study

Buy-to-let a Growing Market

The number of buy-to-let properties in the UK is set to treble by 2032

Private rented units (thousands)

2007 2012 2017 2022 2032

Buy-to-let – Market Drivers

UK populationProjected to rise to 70m by 2027,

from 62m in 2010

One person households Projected to equal two-thirds of the future

increase in households

Increase portfolio18% of landlords are looking to

increase their existing portfolio in the near future

Buy-to-let – Opportunities

Standard range• Flat’s

• Detached houses

• Semi detached houses

• Terraced houses

Specialist range• HMO

• Multi-unit block

• Student lets

Landlord’s propensity to purchase a buy-to-let has increased with 18% expecting to buy soon.

22% of landlords looking to purchase are buying more specialist.

Buy-to-let - Overview

• Up to 80% LTV

• Fixed and term variable rates

• No minimum income (experienced landlords)

• Rental calculation options

• Non owner occupied for remortgages

• Standard and Specialist range

We are experts in buy-to-let mortgages; we have absolutely no portfolio limits and cater for all types of landlords, whether their needs are simple or complex.

Buy-to-let – Key Features

Any type of Landlord• Aged 85 at the end of the term

• First time landlords (75% LTV)

• Experienced landlords

• Self Employed

• Impaired Credit

• Companies owning buy-to-let

• Remortgages

• New Build

• Ex-public Sector

• HMOs

• Commercial Property

Simple to Complex

No Portfolio Limits • No portfolio limits

• Mixture of residential and commercial properties

• Exposure limits

Buy-to-let – Case Study

• A landlord who owns a portfolio of 16 properties

• She wants to remortgage some properties to raise capital to buy another

• She is 72 years old, and would like a 10 year term

Buy-to-let in Summary

Buy-to-let is a sustainable and growing market

Growth is driven by a number of factors

Aldermore cater for: All types of landlord, including Limited Companies

Aldermore accept: Simple to complex applications

Aldermore have: No portfolio limits

Buy-to-let information hub – www.aldermore.co.uk/btlhub

Standard Range: 0333 321 1000Specialist Range: 0173 340 4518

FOR INTERMEDIARY USE ONLYAldermore Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential

Regulation Authority. (Financial Services Register number: 204503). Registered office: 1st Floor, Block B, Western House, Lynch Wood, Peterborough, PE2 6FZ. Registered in England No. 947662.

ARM118-815-400094

Questions?