The Group's principal activity is providing lending and retail banking services in the United Kingdom. Its lending business develops and manufactures a range of lending products primarily secured on residential property. The residential lending activity focuses on a range of niche areas providing mortgages for individuals who need a more specialist product than those available in the mainstream market. Its typical Mortgages include Buy-to-let, Self-cert and Lifetime. The Lending operation also has a portfolio of traditional residential mortgages, which are secured on UK residential property. The Retail operation provides mortgage broking business and also offers a choice of products from a range of providers including general insurance, wealth and personal loan products, which are provided by third parties.
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