The Intermediary – September 2025 - Flipbook - Page 26
Q&A
Quantum Mortgages
Marvin Onumonu speaks with Harsha Dahyea, chief
commercial officer (CCO) at Quantum Mortgages, about
buy-to-let milestones, innovation and the changing market
Quantum Mortgages recently
completed its second securitisation
in under a year. What does this
milestone mean to you?
Completing our second securitisation this year
was a huge milestone for us. Despite the ups
and downs in pricing, we managed to achieve
excellent pricing across the board and came
out with even better pricing than our first
securitisation, which was already a landmark for
us and our investors.
This really instilled even more confidence –
not just in Quantum, but in the buy-to-let (BTL)
market. People were already confident in what
we do, but being able to deliver such strong
results really made a stamp in the investment
arena and built even more trust among our
partners and stakeholders.
What are your expectations for
the BTL market ahead of the
Autumn Budget?
There’s a lot of talk about the Renters’ Reform
Bill and new legislation, but honestly, whenever
someone tells me the BTL market is dead, I just
smile. The proof is in the numbers – we’ve had
record-breaking months, month after month,
and we’re already ahead of our budgets and
business plan. Even in August, which is usually a
slower month, our volumes didn’t slow down; if
anything, they increased.
We’re also seeing more brokers getting
involved – there are now around 35,000 brokers
in the UK, up from 16,000 just four years ago.
More brokers are leaning into specialist BTL, and
as landlords get more creative, the intermediary
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The Intermediary | September 2025
community is seeing this as a real opportunity.
So, the market is resilient and well-positioned,
regardless of what the autumn Budget brings.
What is next for Quantum
Mortgages in terms of innovation?
We’re always looking for ways to innovate and
meet the evolving needs of landlords and brokers.
Recently, we launched a bridging product that
offers a seamless in-house exit, which means
clients can use their own solicitors – making
transactions much smoother. We don’t restrict
them to a panel, so they have the freedom to
work with who they trust.
We’ve also replicated our BTL criteria for
bridging, so anything you bridge with us, you
could exit in-house, and in some cases, you can
use the same valuation reports.
We’re constantly reviewing the market and
holding focus groups to get broker feedback, we
don’t have heavy credit committees or layered
structures, which allows us to implement
changes quickly. This aspect and our nimble
structure allow us to keep up with demand and
stay ahead of the competition.
What role do focus groups play in
your ongoing relationship with
brokers and landlords?
Focus groups are a big part of how we operate.
From the beginning, I wanted to really understand
the end user’s journey and the challenges they
face. We regularly bring brokers and landlords
together to get their feedback on our products,
criteria, and service. If you don’t listen to both
your brokers and end users, you can’t evolve with
the market. We hold these focus groups every
