19 Those structures can be complex. What can members do to enable a simpler journey? We recommend advisors provide the full picture from the start. Explain the story behind the case, where the client has come from and where they are heading, this context is what allows a lender to assess a case in a fast and efficient way. For SPVs, holding companies or crossdirector guarantees, provide the ownership structure, group relationships and source of deposit funding up front. This saves a lot of back-and-forth further down the line. Why launch the Complex BTL Collective now? We've already seen how well this model works with the Building Society Collective, which launched in 2022 and has had almost 2,000 member enquiries sent to that inbox since. That told us there's real appetite for a direct line to specialist expertise whilst demand for dedicated BTL support in particular has grown alongside all the complexity landlords are now navigating. What turnaround times can members expect? Lenders within the Complex BTL Collective are working to a specific 24-hour SLA turnaround time, exclusive to Paradigm. The service is built around one email address, backed by a dedicated service team, for a limited panel of lenders. As members will know, the more information you provide up front, the quicker the response from a lender. That's why, as part of our commitment to supporting education, upskilling and growth in this area of lending, we've made a pro forma tool available. It guides members on exactly what information lenders will need. Any final thoughts for members before they try the Complex BTL Collective? If you've got a complex BTL case on your desk where you have a question around ownership structure, an EPC concern, or an affordability query, send it to the Complex BTL Collective inbox today. That's exactly what it's there for. We're looking forward to helping members and their landlord clients navigate this market with more confidence. Why Now? Buy-to-Let at a glance Benefits of using the Complex BTL Collective
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