For mortgage intermediaries and professionals only

In this latest discussion, Skipton Building Society's mortgage product lead Vicky Bradley and senior credit risk analyst Diane Harrison outline the mutual’s decisioning around its offering to borrowers requiring high loan to value mortgages and finance against new-build properties.

Hosted by Shekina Tuahene, commercial editor at Mortgage Solutions and Specialist Lending Solutions, the two Skipton guests debate the mutual’s recent increase of its loan to income ratio for those with smaller deposits and expansion of 95 per cent LTV lending to newly-built homes.

The impact of a potential increase in the Bank of England’s base rate is also under discussion, with the lender explaining how this and swap rates influence the way mortgages are priced.

This is must-listen for all mortgage intermediaries and the wider property industry.