* 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.
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.
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'
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.
**Applicable only on new buy-to-let mortgages completed on and after 6th May 2022
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.
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***.
*** 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
If you have any further questions, please visit our Help section
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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