Buy-to-Let Mortgages
Finance for professional property investors and landlords aspiring to expand their portfolios.
Why Shawbrook?
Supporting your clients to grow their portfolios requires an award-winning lender that understands professional landlords in an ever-evolving market.
With intuitive application systems, a specialist underwriting team, and products designed specifically for the current property landscape, our Buy-to-Let offering is designed with professional property investors in mind.
Buy-to-Let highlights
* Variable rates are inclusive of Shawbrook Base Rate. Shawbrook Base Rate (SBR) is subject to a minimum floor of 0.75%. The current Shawbrook Base Rate is 4.75% (as of 8 November 2024).
Larger loans
Our Structured Real Estate team offer a premium 1-2-1 case management service and pricing specifically for loans between £5m - £35m.
With the ability to structure the funding package around your client’s unique needs, they deliver a personalised experience for the larger, complex deals.
Structured Buy-to-Let Products
Designed specifically for larger, more complex deals
Structured Real Estate - Complex Limited Edition
Structured Real Estate - Complex Buy-to-Let
Complex Buy-to-Let
Underwritten by our expert team, assets include complex residential Buy-to-Let, blocks of flats and student accommodation.
Complex applicant types considered include trusts and pensions.
Unlimited properties on single application.
Limited Edition Complex
Complex Buy-to-Let
Non Portfolio
Customers with 3 or less mortgaged BTL properties
Portfolio
Customers with 4 or more mortgaged BTL properties
Join our broker panel
Looking to submit business to us but not part of our broker panel?
Buy-to-Let lending criteria
We’re transparent with our lending criteria, so you know where you stand when submitting a case to us. Explore or download our lending criteria.
If your client does not meet all conditions, applications may still be considered.
For existing customers
We have several options for our existing mortgage customers looking to stay with us for the next chapter of their property journey:
- Switch & Fix – when your customers wish to switch from an expiring fixed rate to a new fixed rate, within their contractual term with us.
- Product Switch – for end of term extensions.
- Refinance – when customers want to make changes to the deal or raise capital.
Energy Efficiency Discount
For Buy-to-Let properties that hold an Energy Performance Certificate (EPC) of at least a ‘C’, your client will be eligible for a discount on the arrangement fee when taking out a new mortgage with us.
The following discount will apply:
| A rating: 0.60% | B rating: 0.45% | C rating: 0.25% |
For example – if a 3% arrangement fee is applicable, your client would be charged 2.55% for a property with an EPC rating of ‘B’.
If your client’s new investment doesn’t have an EPC rating of at least a ‘C’, we have another way to support them. Making energy efficient improvements to the property during the lifetime of the mortgage with us – which result in a new EPC of at least a ‘C’ – means they’ll be eligible for a partial refund of the arrangement fee*.
All you need to do is submit the new certificate to us. We’ll also refund the cost of the new EPC certificate (up to £100).
*Applicable only to new Buy-to-Let mortgages completed on and after 6 May 2022.
Useful information
Useful links to more information in case you’ve not quite found what you’re looking for.
News & case studies
News and views from across the property landscape & Spotlights on deals we’ve done
Property Finance documents
Download the latest product guide, lending criteria, research and more in our documents section
Buy-to-Let Mortgage case studies
Spotlight on deals we’ve done that support clients like yours
Bespoke £9m investment facility delivered for large multi-unit freehold block
Supporting an experienced investor with a structured investment facility that included a £5m Buy-to-Let mortgage and £3.9m Development Exit loan.
Buy-to-Let remortgage in 37 hours
Completed a Buy-to-Let remortgage for a new customer in just 37 working hours.
Limited company remortgage in just 28 working days
As the first UK bank to utilise PEXA’s digital conveyancing platform, we were able to complete a limited company remortgage in 28 working days.
Insights hub
The home of insights and trends in the property market to share with your clients – guides on how to build and diversify your portfolio, and information on planning and tax implications for professional landlords.
UK landlords optimistic amid rental market concerns
Our survey of UK residential landlords shows a positive outlook of the current rental market. Read our full survey results and explore our in-depth analysis.
A guide to investment property financing
Explore investment property financing options, mortgages vs bridging loans, rate types, and investment strategies for informed decisions.
Where are the Top 10 best places to invest in property?
Our top UK property investment locations in 2024 for strong rental yields and growth. Read about areas offering diverse opportunities.
What we can offer your clients
Commercial Mortgages
Our expert team make light work of complex commercial property cases. They can support your clients to invest in a new property, refinance an existing portfolio or raise additional funds for further investment opportunities.
Bridging Loans
From refurbishment to refinance – our bridging loans could be the fast finance solution for your client.
Development Finance
Is your client planning a new build or refurbishment project? Our expert team is dedicated to building a detailed understanding of their project, providing bespoke finance tailored specifically to their funding needs. You can count on us to be by your side all the way to completion.
Our business
About Shawbrook
Shawbrook provides finance to a wide range of customers who value the premium experience, flexibility and certainty we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.
Sustainability
Our sustainability strategy is designed to create value for our customers, colleagues, communities, suppliers and shareholders, while having a positive impact on society and the wider environment.
Saracens sponsorship
As official banking partner of Saracens Rugby Club, we are proud to champion elite women’s sport by supporting the growth of both women’s rugby and netball as lead sponsor of the Mavericks.