Nationwide has reported a sharp fall in mortgage lending, mainly due to making fewer buy-to-let loans. Nationwide had a 13% share of the mortgage market in the quarter, down from 15% last year. A spokesman said it expected its buy-to-let lending to remain “broadly flat” and Nationwide had “raised the bar for landlord’s affordability before most other lenders, with the aim of helping ensure our borrowers can meet future repayments. This, together with… Stamp Duty and tax changes, led to a decline in buy-to-let.”