Buy-to-let mortgages

    • We specialise in manually underwriting complex cases
    • We offer automated underwriting on simple cases
    • We welcome large transactions (up to £25m)
    • We consider a wide range of residential property types
    • We allow multiple properties on a single account
    • We lend on complex property types, including HMOs
    • We consider all applicant types


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Buy-to-Let Lender of the Year - NACFB Awards 2021
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Specialist Lender of the Year - NACFB Awards 2021

Buy-to-let mortgage spotlight


We will consider: 

    • first time landlords
    • the investment value for valuation purposes on HMOs
    • limited personal guarantees (from 25% per person)
    • holiday let/serviced accommodation

Product highlights

    • Rates from 6.39%*
    • Interest-only up to 75% LTV available (subject to affordability)
    • Variable and 2, 3, 5 and 10 year fixed rates available (cases with automated underwriting are 5 year fixed only)
    • Minimum property value £75k (minimum loan £40k)

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Grow your business with us

Energy Efficiency Discount

  • For properties that have an Energy Performance Certificate (EPC) rating of A, B or C, we offer a discount on the arrangement fee


Existing customer discount

  • We offer a 0.25% discount on your arrangement fee for each subsequent mortgage that you take with us


Customer Appetite Statement

  • We can offer (subject to an underwriting assessment) a pre-approved credit limit with no limit on the number of properties or accounts that you can hold with us. This means that you can confidently expand your property portfolio with Shawbrook by your side.

* Variable rates displayed are inclusive of Shawbrook Base Rate. Shawbrook Base Rate (SBR) is subject to a minimum floor of 0.75%. Please note that the current Shawbrook Base Rate is 5.25% (as of 4 August 2023).​

Any property used as security, including your home, may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. 

Importance of EPC ratings for landlords

From 2025, proposed regulations could require Energy Performance Certificates (EPCs) to be at least a ‘C’ for properties with new tenancies. 

Our short whitepaper – Confronting the EPC Challenge: The Path to a Sustainable Rental Market - analyses the impact these proposed regulations could have on the private rented sector, and how the rising cost of living is driving a shift towards energy efficiency improvements.

Download Report


New! Energy Efficiency Discount

We’re committed to providing long-term, sustainable solutions to support landlords to improve the energy efficiency of their investment properties.

If your Buy-to-let property has an Energy Performance Certificate (EPC) of at least a ‘C’, you’ll 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, you would be charged 2.55% for a property with an EPC rating of 'B'

Improving your EPC rating

If the EPC rating of your new investment is below a ‘C’, it’s an ideal time to consider how you can improve its energy efficiency.

By carrying out improvements to your property during the lifetime of the mortgage, that result in an improved EPC rating of at least a ‘C’, you could be eligible for a partial refund of our arrangement fee**.

All you need to do is submit the new certificate to us and we’ll also refund the cost of the new EPC certificate (up to £100). The partial refund is based on the newly acquired EPC rating so the same percentages apply to the refund as well as the discount.

Find out more about our energy efficiency discount

**Applicable only on new buy-to-let mortgages completed on and after 6th May 2022

Video Case Study: Tomes Homes

Watch this short video featuring one of our clients Tomes Homes.
Find out how Shawbrook supports this family-run business in their mission to provide quality rental accommodation to their tenants.  

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Tomes Homes

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Contact us today, and with your consent, we will transfer you to one of our trusted mortgage broker partners. The broker will research the whole mortgage market and if Shawbrook has the best deal for you, they will not, in most circumstances, charge a broker fee***.


Make an enquiry

*** This offer only applies to Shawbrook buy-to-let mortgages, commercial investment mortgages, and unregulated bridging finance. In certain circumstances, such as cases involving complicated ownership structures like on/offshore trusts, or for ex-pat customers, a broker fee may apply given the level of work required

Existing customers

  • If you're coming to the end of your fixed-term interest rate on your existing Shawbrook buy-to-let mortgage, and you don't wish to extend your borrowing, switch to another Shawbrook mortgage with ease by accessing MyShawbrook portal.
  • If you would like to borrow more, contact your BDM or the Sales Desk.
  • If you have a query about your existing buy-to-let mortgage visit our Contact Us page

If you have any further questions, please visit our Help section

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Make a Buy-to-Let Enquiry

This form is related to Buy-to-Let properties that will be residential in nature. For enquires about commercial or semi commercial loans, including purpose built student blocks, please use our commercial enquiry form.

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