This was followed by ‘minimum loan amount’ and ‘maximum LTV’.

The search criteria in the bridging category hasn’t changed since August. 

Commercial property searches reveal a focus on both 'minimum loan amount' and 'maximum LTV,’ which Knowledge Bank said indicated that developers were keen to maximise their property investments, suggesting a market that is both cautious and opportunistic, as

investors looked to navigate a complex financial landscape.

However, the commercial criteria saw changes with ‘maximum LTV’ moving from third to fifth place, while ‘excluded commercial sectors’ shifted from fifth to third.

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In the BTL sector, 'lending to limited companies' remained in the top spot due to portfolio landlords continuing to structure purchases through a corporate entity to provide tax advantages and more favourable mortgage options.

The only search to change in BTL since August was ‘fist-time buyers’ replacing ‘holiday lets’ in fifth place.

Nicola Firth, CEO at Knowledge Bank (pictured above), commented: "The criteria searches we're seeing reflect a population that is having to adapt to a rapidly changing financial economy. 

“Whether it's through new mortgage strategies or maximising investment opportunities, it's clear that both brokers and their clients are having to think more creatively and act more strategically than ever before."