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Afternoon!

I certainly agree with you that we have lost some of our USPs.. the saddest one for me personally was latest year for self employed.

Some policy changes we implemented last year were to further enhance our IO and part and part policy which is great (appreciate region can have a bearing), 95% New Build houses and flats. I've always been a fan of our personal loan for a deposit too. We have a lot on the notepad all lenders speak of but after a meeting with our Product team last week I expect to have a lot more to tell you in this space by end of Q1.

Our service I accept has at times suffered when we've had a huge spike in business - but I will defend us in that overall we maintained a 6 day average offer time last year. Can that be better - YES!! And we are working really hard to do just that.

I'm sad to hear the perception is we steal your PT business - that is not the plan I assure you, but I know sometimes this hasn't gone to plan so to speak. We do highlight the broker on our letters to customers at PT time and write to them just 3 months before now. Again I think we can go further and this is being worked on too.

Happy to get one of our BDMs to have a chat and go through any policy that would help entice you to give us a try again.

AJ 

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