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The uncertainty caused initially by Covid-19 forced many lenders in the residential and buy-to-let markets to retreat from offering high-LTV mortgages and, in some instances, lending of any kind.

Trinity Financial product and communications director Aaron Strutt believes the specialist side of the buy-to-let sector will continue to grow as clients become increasingly hard to place. He does, however, think the line between the specialist and the more mainstream buy-to-let lenders is often blurred because many larger high-street names also offer their own niches – many of which come with cheaper rates, he says.

Strutt believes the regulatory changes over the years have had a large effect on the market and driven more landlords into the specialist sector.

TheR39;Prudential Regulation Authority’s new underwriting rules that came into effect in 2017 and the buy-to-let mortgage interest tax relief changes have inevitably made investing in the sector more complicated.

“There are many more things that come into it now and we don’t receive as many straightforward BTL enquiries as we once did,” says Strutt.

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