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I hardly place any business with Santander anymore but the main reason is that they have no USP's anymore so if they are not there on rate then why would anyone use them? Most lenders goes to age 75 now and no advantages for the self employed now either and taking pension contributions in to account for affordability when no other lenders do is just crazy so i cant see any USP's. What are your USP's AJS? Why would a broker use Santander? Service is never normally great and we are worried that you will try to steal the PT business in 2 years time....