At Shawbrook, we understand that not every borrower fits the traditional mould. That’s why our retail mortgage offering - delivered through our specialist brands The Mortgage Lender and Bluestone Mortgages Limited - is designed to support customers with complex needs, unique circumstances, or non-standard income.

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The Mortgage Lender and Bluestone Mortgages are integral parts of Shawbrook’s specialist lending offering.

Together, they bring deep expertise in serving underserved segments of the mortgage market, including:

    • Self-employed, contractors and freelancers.
    • Support for borrowers with credit blips, CCJs, IVAs, bankruptcy or DRO.
    • Buy to Let solutions supporting a wide range of landlords’ needs.
    • First-time buyers with non-traditional income.
    • Customer seeking flexible lending solutions.

Specialists in Complex Cases

It’s easier than ever for customers to be left out of the loop when it comes to mortgages. First time buyers with non-traditional income, home owners who’ve had a few blips and self-employed individuals are all among those that are often forgotten about by mainstream lenders. Our retail mortgage brands serve those that others overlook. 

    • Flexible criteria: We look beyond the credit score to understand the full picture.
    • Human approach: Real people making real decisions - no tick box underwriting.
    • Speed & certainty: Technology-enabled processes that don’t compromise on care
    • Trusted brands: The Mortgage Lender and Bluestone Mortgages are known for their commitment to customer outcomes.
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The Mortgage Lender

Find out how The Mortgage Lender is powering real life lending for residential and buy-to-let customers.

Visit The Mortgage Lender website
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Bluestone Mortgages

Find out how Bluestone Mortgages is helping intermediaries navigate complex credit for their clients.

Visit Bluestone Mortgages website

Understanding the specialist mortgage market

The 2025 Home-A-loan Specialist Lending Report is Shawbrook's latest deep-dive into the evolving world of specialist retail mortgages. This comprehensive study explores the changing face of homeownership in the UK, with a focus on:

    • The rise of non-standard borrowers
    • Shifting trends in income types and employment
    • The growing demand for flexible lending solutions
    • Data-driven insights into borrower behaviour and market dynamics
Download the full report
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Join us

If you’re a mortgage intermediary and you’re not registered with The Mortgage Lender or Bluestone Mortgages, you can find more by visiting their broker pages.

Visit The Mortgage Lender website Visit Bluestone Mortgages website

About Shawbrook

Our Retail mortgage offering is only part of what makes Shawbrook special. We provide finance to a wide range of customer segments that value the premium experience, flexibility and certainty we deliver. Our ambition is to grow our specialist proposition, while retaining the
innovative mindset and agility of a start-up. You can find out more about our proposition in our Media Centre or in our investor pages.

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Shawbrook Media Centre

Find approved images and a range of spokespeople with a range of articles in our media centre.

Visit the Media Centre
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Investors

We provide finance to a broad and diverse range of customer segments, each of which value the flexibility, speed and certainty we deliver. Our ambition is to grow our specialist proposition, while retaining our entrepreneurial culture and agility.

Visit Investors
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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.

More about Shawbrook