Q3 Mortgage Newsletter 2026

Diane, the buy-to-let landscape has evolved in the last few years. What's driving that shift? Portfolio lending and more sophisticated ownership structures have become a core part of how property investors approach their strategy. Regulatory change continues to evolve whilst landlords are facing more complex decisions around structure, funding and strategy than ever before. Specialist BTL now demands real expertise, strong lender relationships and the ability to find solutions quickly. What type of cases should members be sending into the Complex BTL Collective? Anything that falls outside a straightforward single-property BTL case. That includes SPV and limited company purchases or remortgages, affordability, including top slicing, corporate lets, tenancy types, portfolio landlords, first time landlords, including ex-pats, HMOs, multi-unit freehold blocks, commercial and semi-commercial properties, and more unusual ownership structures like layered holding companies or family investment companies. Paradigm Mortgage Services Introducing Paradigm's Complex BTL Collective Inbox Louise Weiss Director of Sales 18 The BTL market has evolved dramatically. Portfolio lending and sophisticated ownership structures are now core to many property investors' strategies, and specialist BTL demands expertise, strong lender relationships and the ability to identify solutions at speed. That's exactly where Paradigm's support, and the value of your advice, shine. That’s why Diane and I were delighted to introduce in September a new dedicated route for complex cases: the Complex BTL Collective Inbox. I sat down with Diane Jones, Helpdesk Manager to discuss further. Diane Jones heads up Paradigm’s Mortgage Helpdesk, bringing a wealth of specialist lending expertise and a genuine passion for helping advisers find solutions. Often the person advisers turn to when a case feels impossible to place, Diane combines deep market knowledge, strong lender relationships and a collaborative, practical approach. From complex buy-to-let structures to challenging mortgage cases, she leads the team with enthusiasm and a commitment to delivering the outstanding support advisers have come to rely on. "I have worked on the helpdesk for 5 years and have seen many changes. I am so excited to be a part of the new developments!" Send your complex BTL enquiries to the Complex BTL Collective Inbox today. [email protected]

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