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To be honest, having been a bank manager and underwriter in the past, the main problem with Santander is that when you changed tactics and underwriting in 2012, you went from a lender who wished to lend and looked for reasons to lend. Since then (it has been getting worse by the year), your underwriters look for reasons to decline! Sort that out and you may start to write a lot more business! Take a leaf out of The Halifax's book!
