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.
OUR COMMERCIAL MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY OR THE PRUDENTIAL REGULATION AUTHORITY.
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.
Instead of our standard arrangement fee of 1.50%, the following discounted fees will apply:
|A rating: 0.90%||B rating: 1.05%||C rating: 1.25%|
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
From 2025, proposed regulations could require Energy Performance Certificates (EPCs) to be at least a ‘C’ for properties with new tenancies, expanding to all tenancies in 2028.
Our short whitepaper – Confronting the EPC Challenge – analyses these proposed regulations and the impact this legislation could have on landlords, tenants and the Private Rented Sector.
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/regulated 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
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