Clear strategy for sustainable, profitable growth

Our strategy is focused on delivering sustainable, profitable growth by helping customers who are underserved by the High Street banks. Our scalable state-of-the-art automated technology and systems ensure efficient processing, strong risk control, timely reporting and speed of product development. We use our experience and knowledge of the assets we manage and have analysed to select segments of the lending markets where we believe strong returns can be achieved within our credit risk appetite. These factors have enabled our strong balance sheet growth, increasing cost efficiency and profitability and the exceptional credit quality of our mortgage assets.