Member

Finally on my amendments, I wish to discuss my Amendment 233. This is a probing amendment that would give mortgage lenders access to information on the database so that they could use it at buy-to-let mortgage application stage to deny finance to rogue or negligent landlords. By giving lenders access to the database at a buy-to-let mortgage application stage, this provision would ensure that those with a history of poor practice, non-compliance or unsafe housing could not continue to expand their property portfolios with impunity. It would align financial due diligence with regulatory standards, creating a powerful deterrent for bad actors in this sector.