The Intermediary – September 2025 - Flipbook - Page 27
Q&A
quarter and are always listening and adapting
based on what we hear. This helps us stay
creative, provide better solutions, and
deliver the service our clients need.
What challenges do you
foresee in the next couple
of months?
The main challenge on the horizon is the
Renters’ Reform Bill, but I see it as more of an
opportunity than a threat. While the details
haven’t been enforced yet, I believe professional
landlords will lean in and adapt.
The Bill is a chance for landlords to build
better relationships with their tenants and to
raise property standards, making sure homes
are habitable and well-maintained. It will also
give tenants more security, like ending no-fault
evictions. In addition, we are also focusing on the
Support Living sector, where we’re known for
being innovative and supportive. Our ability to
adjust and evolve quickly with the market puts
us at the forefront, and I’m confident we’ll turn
these challenges into opportunities.
How is Quantum Mortgages
approaching green BTL lending and
supporting sustainable investment?
Sustainability has always been important to
us. We’ve had a green product range since we
launched, and we offer extra leverage on loan-tovalue (LTV) to help landlords improve the Energy
Performance Certificate (EPC) ratings of their
properties. We want to support landlords who
are renovating to higher energy standards and
becoming more efficient. We’re strong supporters
of the green agenda and are committed to giving
real solutions to landlords who want to make
their properties more sustainable.
Are you seeing any shifts
in terms of new types of
property investors or
landlord profiles?
Absolutely. The increased regulation
has made some inexperienced or
accidental landlords reconsider their
involvement, and many are exiting the
market. On the other hand, professional
landlords
– those who do this full-time
HARSHA
–
are
taking
the opportunity to expand
DAHYEA
their portfolios and get more creative, like
converting single units into houses in multiple
occupation (HMOs) to maximise yields.
We’re also seeing a new wave of younger, firsttime landlords entering the market, which is why
we’ve introduced products specifically for them.
We want to help them get started and become
serious investors if that’s their goal.
How is Quantum Mortgages
adapting its product range and
criteria to help BTL landlords?
We’ve developed our QML Pro range to cover
everything that doesn’t fit into the standard
product set, so we can get creative with property
types, complex company structures, and even
foreign investors.
Our goal is to provide good solutions for
serious landlords, whether they’re looking to
expand, refinance, or purchase more properties.
For example, if a landlord buys a property at
auction under market value, we can remortgage
using open market value within 24 hours, so they
can realise that value immediately.
We want to be the go-to lender for specialist
and professional landlords, offering flexibility and
tailored solutions.
Do you have a final message for
We’ve 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”
landlord borrowers navigating the
current market?
I’d encourage them to look into Quantum
Mortgages. The more creative you are, the more
solutions you’ll find with us. Our brokers are
talented and know our criteria inside out, and our
support team is always there to help. Whether
you’re exploring the vulnerable tenant space,
looking at HMOs, restructuring, or remortgaging
at open market value, we have solutions. ●
September 2025 | The Intermediary
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