I wanted to make you aware of an internal process change we’re introducing for large loan cases.

For any cases where:

• An individual loan exceeds £750k (BTL or Residential), or
• Aggregate lending exceeds £2.5m

You can now discuss these cases pre‑submission directly with our Technical Underwriting Team .

 How the Technical Underwriting Team will support you

•  Discuss potential scenarios
•  Review DIPs in order to confirm the likely requirements based on the information available at that stage
•  Take ownership of the case. Wherever possible, the Technical Underwriter you speak with will manage the case through to ensure a smooth process from DIP to offer.

 Technical Underwriting Team

 Matt Nunn – Technical Underwriting Manager

• Guy Todd – Technical Underwriting Manager
• Tom Nykolajczuk – Technical Underwriter
• Matthew Wildman – Technical Underwriter

Within the team, there are able to sign off our maximum lending limits, which includes:

•  Individual loans up to £2m
•  Aggregate lending up to £7.5m

This means applications within these limits do not need to be referred to Credit Risk or Credit Committee, as decisions can be agreed directly within the team .

 How to get in touch

 If you have any queries relating to large loan cases, please email in as normal with:

•  Case details
•  DIP reference (if applicable)

One of the Technical Underwriting Team will then be in touch to discuss the case further.