FOR INTERMEDIARY USE ONLY Aldermore Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. (Financial Services Register number: ). Registered office: 1 st Floor, Block B, Western House, Lynch Wood, Peterborough, PE2 6FZ. Registered in England No The Key to Buy-to-let Aldermore Residential Mortgages

Agenda The Aldermore Story The Market and its Drivers Opportunities Our Key Features Case Study

Buy-to-let a Growing Market The number of buy-to-let properties in the UK is set to treble by 2032 Private rented units (thousands)

Buy-to-let – Market Drivers UK population Projected to rise to 70m by 2027, from 62m in 2010 One person households Projected to equal two-thirds of the future increase in households Increase portfolio 18% of landlords are looking to increase their existing portfolio in the near future

Buy-to-let – Opportunities Standard range Flat’s Detached houses Semi detached houses Terraced houses Specialist range HMO Multi-unit block Student lets Landlord’s propensity to purchase a buy-to-let has increased with 18% expecting to buy soon. 22% of landlords looking to purchase are buying more specialist.

Buy-to-let - Overview Up to 80% LTV Fixed and term variable rates No minimum income (experienced landlords) Rental calculation options Non owner occupied for remortgages Standard and Specialist range We are experts in buy-to-let mortgages; we have absolutely no portfolio limits and cater for all types of landlords, whether their needs are simple or complex.

Buy-to-let – Key Features Any type of Landlord Aged 85 at the end of the term First time landlords (75% LTV) Experienced landlords Self Employed Impaired Credit Companies owning buy-to-let Remortgages New Build Ex-public Sector HMOs Commercial Property Simple to Complex No Portfolio Limits No portfolio limits Mixture of residential and commercial properties Exposure limits

Buy-to-let – Case Study A landlord who owns a portfolio of 16 properties She wants to remortgage some properties to raise capital to buy another She is 72 years old, and would like a 10 year term

Buy-to-let in Summary Buy-to-let is a sustainable and growing market Growth is driven by a number of factors Aldermore cater for: All types of landlord, including Limited Companies Aldermore accept: Simple to complex applications Aldermore have: No portfolio limits Buy-to-let information hub –

Standard Range: Specialist Range: FOR INTERMEDIARY USE ONLY Aldermore Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. (Financial Services Register number: ). Registered office: 1 st Floor, Block B, Western House, Lynch Wood, Peterborough, PE2 6FZ. Registered in England No ARM Questions?