Hi {{first_name}},
As a busy Q1 comes to a close and we head into spring, here’s our latest update.
Since our last note, we've made changes on our Buy-to-Let second charge proposition to help you place more cases - from a significantly increased max loan size to new features and improvements on Neo that remove friction from the application journey.
We've also included below case studies on a few recent completions that show the breadth of scenarios and use-cases Scroll can cater to.
Thanks for continuing to support Scroll and for the feedback that's shaped much of what we've delivered over the past few months. Please keep it coming as we are always looking to learn and find ways to improve our offering.
Key highlights
Max loan size raised to £1 million: Live and available for new cases. Loan sizes from £25k up to £1m on interest-only terms of 3–25 years. All existing products - HEL, HELOC, flexi-fixed, HMO and multi-property - support the increased limit for both individual and SPV applicants.
Pricing update: In light of recent market volatility and increased swap rates, we have had to adjust pricing on our fixed rate products in line with market movement. Rates on our 2-year fixed, 5-year fixed, and flexi-fixed products now start at 7.10%. Our variable rate product is unchanged and continues to start at 6.65%.
Real completions - case studies below: A spotlight on recent completions showing how landlords are using Scroll's second charge products in practice - from home improvements to EPC upgrades and family support.
Broker API - available for integration: Our Broker API is now available for firms looking to integrate directly. The API supports full quote generation for our product range and criteria. If you or your technology partners are interested in an integration, get in touch with the team and we’d be happy to share our API documentation and discuss integration.
Improved flexibility to go back to Indicative Quotes from Conditional Offer: You can now revert a case from Conditional Offer back to Indicative Quotes without re-keying. Edit case details, recalculate quotes, and select a different product - all within the existing case. If the original 14-day quote validity is still live, pricing is preserved. If it's lapsed, fresh quotes will be generated.
Consumer Buy-to-Let: Clarification on our policy around potential CBTL applications.
Case studies on recent completions
1. Scroll’s “Flexi-Fixed” product used to fund improvements at applicant’s residential property
The applicant raised funding against one of their two Buy-to-Let properties, a five-bed mid-terrace townhouse to fund an extension project at their residential property. Rather than remortgaging - and losing their attractive low fixed rate with BM Solutions - the borrower used Scroll's Flexi-Fixed product to access equity while keeping their first mortgage completely undisturbed.
Using our flexi-fixed feature, a bespoke fixed rate period on the second charge was set to align with the remaining term on the first mortgage fix, avoiding mismatched end dates and leaving the borrower with a clean refinance position when the time comes.
The borrower had an excellent credit profile with no adverse history. The security property had long-standing tenants with verified rental income and references, and the case was validated fully via AVM through Rightmove, with consent from the first charge lender obtained by the broker.
Net loan: £53,000
Product: Flexi-Fixed — 3-year fixed at 7.69%, variable for the remaining 20 years
Total term: 23 years
LTV: 74.79%
DSCR: 190.38%
Valuation: AVM c. £576,000
Ownership: Held since July 2019; first mortgage with Birmingham Midshires; consent to register charge received
2. Experienced landlord releases equity across two Buy-to-Let properties
An experienced portfolio landlord with four one-bed flats in London — held since the mid-1990s — needed capital for home improvements and commercial works at their main residence. Rather than refinancing existing first charge arrangements, they opted to take two separate second charge loans against two of their properties.
Both cases progressed through Scroll's underwriting process, with identity verification completed digitally via Onfido and mortgage deeds e-signed while the borrower was abroad on business.
Net loan: £40,000 + £60,000 (two separate facilities)
LTV: 72% combined
Rate: Variable
Valuation: AVM - c.£540,000 and c.£597,000
3. Experienced landlord raises capital to fund green upgrades across a 17-property portfolio
A highly experienced landlord with over 15 years in property management borrowed against one of their rental properties to fund energy efficiency improvements across their wider portfolio, with the aim of bringing all 17 properties up to EPC band C to comply with MEES regulations. The portfolio was validated using a combination of AVM data, market estimates, confirmed rental income, and the borrower's long track record of stable returns.
Net loan: £30,000
LTV: 74%
Rate: 2-year fixed
Term: 15 years
Valuation: AVM - c. £430,000
DSCR: 145%
Portfolio: 17 properties; EPC upgrade programme across the portfolio
4. Landlord raises £50,000 as a gifted deposit for daughter's first home
A Professional Landlord who had held a Buy-to-Let property since 2016 approached their broker looking to raise £50,000 as a gifted deposit for their daughter's first home purchase. The security property - a three-bed mid-terrace - was valued at c.£374,000 via AVM. The case progressed smoothly through Scroll's underwriting process, giving the family certainty and a clear timeline to complete the purchase.
Net loan: £50,000
LTV: 72%
Rate: 5-year fixed
Valuation: AVM — c.£374,000
DSCR: 151%
Policy updates
Consumer Buy-to-Let (CBTL): Please take note of our stance on CBTL.
Scroll will not lend on a CBTL basis. This means that, unless the landlord owns an additional Buy-to-Let property in addition to the proposed security property, applications are unacceptable if:
Either the borrower or a relative has lived in the property since it was purchased; or
At the time of purchase, the intention was not for the property to be let out; or
The property was inherited, rather than purchased
Neo system updates
Since the last updated, we've shipped over 50 items across multiple releases. Here are the updates most relevant to you.
Broker API:
Our Broker API is now available for Buy-to-Let second charge
You can now integrate directly with Scroll's lending platform via the API.
Submit cases, generate quotes across products (including HELOC and flexi-fixed), and track case status programmatically - no portal login required
If you or your technology partners are interested, please contact the team to get started and we’d be happy to arrange a meeting to discuss further.
Revert to Indicative Quotes: New "Back to Indicative Quotes" button on Conditional Offer cases. If you need to change a product selection or recalculate quotes after reaching Conditional Offer, you can now step back to the Indicative Quotes stage without re-keying the case. Edit the case details, generate new quotes, and select a different product — all within the same case.
Streamlined quote expiry: When reverting to Indicative Quotes, if the original 14-day quote validity is still active, your pricing is preserved. If it's lapsed, fresh quotes are generated automatically with a new 14-day window.
Multi-property - estimated value now editable after AVM: For multi-property cases, you can now update estimated property values after Indicative Quotes have been generated - previously these were locked. Use the "Update Loan Details" button to amend values and recalculate quotes without re-keying the case.
Speak to our Underwriting Team
📞 0121 828 5884
John Webb
Head of Lending
[email protected]
Charlotte Whitworth
Head of Underwriting & Packaging
[email protected]
Kirsten Robb
Underwriting Manager
[email protected]
Samantha Spink
Underwriting and Broker Support Officer
[email protected]
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John Webb
Head of Lending
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M: +44 (0) 7974 980098
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