Lloyds Banking Group is to take a harder line on buy-to-let lending amid concern that the state-backed bank is overexposed to the rental sector. Changes set to apply from the close of business next Friday include a reduction in the number of buy-to-let properties an individual borrower can hold, from nine to three. The maximum amount an individual can borrow will also be reduced, from three million to two million pounds. A Lloyds spokesman said the changes will not affect the maj