H1 2025 Results
“The first half of 2025 has been another period of strong performance for Shawbrook. We built on the momentum generated during 2024 by leveraging the strength of our platform - combining sophisticated underwriting, multi-channel distribution, and next-generation technology and data capabilities - which has enabled us to expand our established presence within the diverse markets we serve.
Our entrepreneurial approach, underpinned by a unique combination of specialist capabilities, delivered 35% growth in underlying profit before tax to £168.6 million and an adjusted underlying return on tangible equity of 18.3%. These results highlight the ability of our platform to generate high-growth and high-returns by carefully selecting the right opportunities within a large and growing addressable market”
- Marcelino Castrillo, Chief Executive Officer

Financial Calendar
- 12 March 2026 – 2025 Full Year Results
- 13 November 2025 – Q3 2025 Trading Update
- 07 August 2025 - 2025 Interim Results
- 15 May 2025 - Q1 2025 Trading Update
- 27 March 2025 - 2024 Full Year Results
A category of one
We leverage our differentiated, digitally enabled and scalable banking platform to provide finance to a wide range of customers across the SME, real estate and consumer sectors who value the premium experience, flexibility, speed and certainty that we deliver.

Our business model: protected by significant barriers to entry
By combining specialist expertise with scalable technology while maintaining a prudent approach to risk and capital management, we remain well positioned to deliver sustainable, high-quality growth at scale.

Our Commercial Franchise
We support established and fast-growth SMEs with a wide range of finance solutions, as well as offering a diverse range of buy-to-let, commercial and bridging loan products to experienced professional landlords and property investors.

SME
Supports established and fast-growth UK SMEs with a range of debt-based financing solutions, deployed through the following business units:
Structured lending:
Digital SME lending:

Real Estate
Supports the UK property sector with a range diverse commercial mortgage products offered to professional landlords and property investors.
Our Retail Franchise
We provide owner-occupied mortgages to individual homeowners with more complex income and credit profiles, including the self-employed and entrepreneurs, as well as buy-to-let mortgages for professional landlords.In addition, we also offer specialist motor finance in the mass market and high-end luxury segments, as well as unsecured personal loans.
We also offer a wide range of personal and business savings products, including fixed and easy access cash ISAs, and easy access notice and fixed-term accounts.
Retail Mortgage Brands
Provides specialist residential mortgages to those with non-traditional and complex income and credit profiles, including the self-employed and entrepreneurs, as well as buy-to-let mortgages for professional landlords.
- The Mortgage Lender (buy-to-let and owner-occupied mortgages)
- Bluestone Mortgages (owner-occupied mortgages)

Consumer Finance
Provides specialist motor finance for high-end vehicles, predominantly supporting entrepreneurs and high-income professionals, as well as digital unsecured personal loans.
- JBR Capital (motor finance)
- Unsecured personal loans

Savings
Our savings proposition supports our ability to build a loyal customer base by fostering trust-based relationships and delivering long-term value. Our offering is underpinned by a digital platform that leverages advanced data capabilities to provide a seamless service.

Our sustainability strategy
Focusing on those areas in which we can deliver the greatest impact

Planet
Protecting our planet for future generations
- Support the climate transition
- Reduce our environmental impact
- Embed environmental considerations into our corporate DNA

Society
Supporting a thriving and inclusive society
- Support the UK economy through access to inclusive finance for homeowners, developers and SMEs
- Build an inclusive, engaged and talented workforce
- Embrace innovation for positive change

Impact
Making an impact beyond finance
- Invest in and support our communities through partnerships and charitable donations
- Support the passions and interests close to the hearts of our people
Our Advisers
Independent Auditor:
KPMG LLP
15 Canada Square
London
E14 5GL
Bankers:
Royal Bank of Scotland plc
Bishopsgate
London
EC2M 4RB
Solicitors:
Slaughter and May
One Bunhill Row
London
EC1Y 8YY
