So one group of people who do not seem to have much trouble borrowing money are buy-to-let (BTL) landlords.

BBC: Is the mortgage freeze about to thaw?

There are now 1.44 million BTL mortgages outstanding, a record number and now nearly 13% of all residential mortgages.

BBC: Is the mortgage freeze about to thaw?

But then the letters "BTL" appeared in her hospital file.

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