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The narrative around buy to let has grown familiar: borrowing costs too high, regulation tightening, returns compressed. It makes a convenient headline. But it isn't the full picture.
Alan Fitzpatrick, BTL Credit & Operations Lead, recently set out a different view in Mortgage Solutions.
Alan's piece explores where opportunity has concentrated, how lenders need to think about credit in a higher-rate world, and why the sector's maturity is precisely what will sustain it.
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