With the arrival of Forbes West Yorkshire Money is now able to give regulated first and second charge advices as well as other regulated activities including protection.
The intermediary only lender has linked up with Dock9 to help it meet its growth ambitions.
In his new role Cooper will be responsible for driving sales through brokers and alternative channels as well as into the direct team.
UK banks and building societies write offs increased by 58% in the last year, jumping from £77m to £122m in the year to 30 June 2018, as house price growth stalled across the UK.
The digital bank first launched mortgage products in December 2016 and has since expanded the range to support a wider range of customers.
The firm has won the Supplier of the Year: Professional Support award at the Negotiator Awards 2018 for a second year running.
The partnership will offer Julian Harris’ intermediaries a range of products, including ones aimed at portfolio landlords, HMOs, MUFBs, first time landlords, limited companies and new build properties.
Ministry of Housing, Communities and Local Government data also shows that 94,300 decisions were granted, down 4% from the same quarter in 2017.
Think tank Onward has called on the government to introduce a 50% capital gains tax exemption, or ‘landlord sales relief’.
Cardiff based Optimum Credit was established in 2014 and has a second charge loan book of more than £450m.