United Trust Bank (UTB) Mortgages has introduced a package of operational enhancements across its buy-to-let mortgage proposition, as part of its ongoing commitment to making it easier for brokers to place and complete business.
The improvements aim to reduce administration, improve consistency and help cases progress more smoothly from application through to completion, allowing brokers to spend less time managing paperwork and more time supporting their landlord clients.
Key enhancements include:
- Less paperwork: reduced mandatory submission requirements help brokers package cases more quickly.
- Clearer criteria: simpler wording makes it easier to identify the right product first time.
- Smarter underwriting: improved systems and a more proportionate approach to portfolio assessments support quicker, more consistent lending decisions.
- Reduced delays: clearer guidance on deposits, tenancy types and valuation requirements helps minimise unnecessary rework.
The enhancements build on UTB's continued investment in improving broker and customer journeys to deliver better outcomes. Alongside the headline changes, the lender has also introduced clearer case communications, improved completions support and refined a number of internal processes designed to strengthen the overall application journey.
"Continuous improvement has become part of the way we do business at UTB," said Andrew Ferguson, commercial director for mortgages, BTL and bridging at United Trust Bank. "We never assume our processes can't be made better or that we've reached the finish line."
He added: "Investing in our people, technology and operations allows us to keep improving the experience for brokers, and these latest enhancements are another example of our commitment to being the specialist lender brokers can rely on for consistently high levels of service."
"Operational excellence isn't achieved through one major change," said Gene Clohessy, director of underwriting for BTL and bridging at United Trust Bank. "It's built by continually reviewing the customer journey, listening to broker feedback and making incremental improvements which together make a real difference."
She continued: "These latest enhancements are designed to reduce administration, improve consistency and help cases progress more efficiently from application through to completion. Every change has been made with one objective in mind, making it easier for brokers to do business with UTB."
"Brokers tell us they value clarity, responsiveness and certainty. By continually refining our systems, processes and operational support, we can help them spend less time managing paperwork and more time supporting their landlord clients."
