YBS Commercial launched its new owner-occupied SME offering in May.

Angela will be replaced as interim head of lending by Mike Davies.

Application and valuation fees are now paid upfront as part of the changes.

The panel discussed how advisers can provide more solutions to customers in the current lending environment and how they can get the best out of specialist lenders.

Landlord purchases have fallen in every region except the North East since 2015.

The Society is rolling out its buy-to-let, consumer buy-to-let and regulated family buy-to-let products to Scottish borrowers.

The lender has announced new rate and product enhancements across its portfolio, offering more options for those with complex incomes.

Buy to Let by Foundation has also launched new limited edition products.

Five-year rates now start from 4.84%.

Buy-to-let rates have reduced by up to 0.35%.