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Buy-to-Let Mortgages

Experience tailored Buy-to-Let mortgages, designed to support property investors and those aspiring to expand their portfolio, from small residential purchases to larger portfolios or blocks of flats.

Why Shawbrook?

Growing your property portfolio requires an award-winning lender that understands professional landlords and the ever-evolving Buy-to-Let market.

Our Buy-to-Let mortgages have the perfect combination of intuitive application systems, a specialist team, and products designed specifically for professional investors.

  • Our systems offer automated underwriting on simple Buy-to-Let cases
  • Our teams specialise in underwriting more complex Buy-to-Let cases
  • We can support Buy-to-Let transactions from £40k to £35m
  •  A wide range of property types considered including large portfolios, blocks of flats and investment grade HMOs
  • We support new entrants to the market through to seasoned property professionals
  • Buy-to-Let Lender of the Year - NACFB Awards 2021, 2022 & 2023

Buy-to-Let highlights

  • Rates from 5.69%
  • Interest-only up to 75% LTV available (subject to affordability)
  • Maximum lending of £35m (subject to underwriting)
  • Variable rates available*
  • 2, 3, 5 and 10 year fixed rates available (cases with automated underwriting are 5 year fixed only)
  • Limited personal guarantees (from 25% per person)
  • Truly specialist lending criteria with investment valuations available on HMOs (subject to valuation guidance)
  • Dedicated team offering a premium case management service for loans over £5 million

* Variable rates are inclusive of Shawbrook Base Rate. Shawbrook Base Rate (SBR) is subject to a minimum floor or 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.

Energy Efficiency Discount

If your Buy-to-Let property has an Energy Performance Certificate (EPC) of at least 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%

 

By carrying out improvements to your property during the lifetime of your Buy-to-Let mortgage with us that has resulted in an improved EPC rating, you could be eligible for a partial refund of our arrangement fee**. The same percentage discounts shown above apply to the refund. 

** Applicable only to new Buy-to-Let mortgages completed on and after 6 May 2022

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Existing customers

  • If you’re coming to the end of your loan term on your existing Shawbrook Buy-to-Let mortgage, and you don’t wish to extend your borrowing, switch to another Shawbrook mortgage with ease through MyShawbrook portal
  • If you would like to borrow more, please contact us
  • For existing customers, we also offer a 0.25% discount on your arrangement fee for each subsequent mortgage that you take with us

Grow your portfolio with Shawbrook

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

We're here for larger loans

We understand the complexity of loans for larger assets and portfolios. That’s why our Structured Real Estate team offer a premium case management service for loans over £5 million, to ensure we get to the heart of your unique needs and deliver you a tailored solution to suit. They offer:

  • A dedicated Relationship Manager
  • One-on-one support
  • Tailored loan structuring

Interested?

Contact us today, and with your consent, we will transfer you to one of our trusted mortgage broker partners. The broker will research the 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 mortgages and bridging loans. 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.

Broker? We’ve got you covered

If you're a new or existing broker, head for our dedicated site where you'll find everything you need on our extensive property offering, and how to submit your cases to us.

Buy-to-Let Mortgage case studies

Spotlight on deals we’ve done that support property investors like you.

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Case Study

Fast refinance to support auction acquisition

Shawbrook provided an unregulated bridging loan to support a client seeking to raise funds to swiftly capitalise on a promising investment opportunity at auction.

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Case Study

Refinance for portfolio landlord using digital Buy-to-Let and Energy Efficiency Discount.

We assisted a professional property investor by orchestrating the refinance of their extensive portfolio comprising of 11 single dwelling houses.

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Case Study

Shawbrook complete urgent auction purchase with MyShawbrook Bridging portal

Shawbrook has supported a customer with an unregulated bridging loan to fund an auction purchase, working closely with Strategic Partner ‘The Moneyhub’.

Useful information

Useful links to more information in case you’ve not quite found what you’re looking for.

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Contact us

If you have any questions about our products and services, you’ll find the right person to contact here.

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Help with our products

If you’re an existing customer, or need more information on our products, visit our help centre for support.

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News & case studies

News from across the property landscape and spotlights on deals we’ve done.

Insights Hub

The home of insights and trends in the property market, guides on how to build and diversify your portfolio, and information on planning and tax implications for professional landlords.

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Insights

The Buy-to-let market in 2024: Buy-to-let Outlook

Buy-to-Let market thrives despite economic challenges. Read our 2024 outlook and learn how to deal with rising interest rates and tenant demand.

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Insights

Where are the Top 10 best places to invest in property?

Our top UK property investment locations in 2024 for strong rental yields and growth. Read about areas offering diverse opportunities.

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Insights

Landlord tax: A guide on property investment taxes

Learn about the tax implications for professional landlords with our detailed guide on Income Tax, Capital Gains Tax, Inheritance Tax and more.

Explore Property Finance

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Commercial Mortgages

Commercial property finance can be complex, but our specialist team, well-versed in UK finance loans, can help you invest in a new property, refinance your existing portfolio, or raise additional funds for further investment opportunities.

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Bridging Loans

Fast funding for when investment opportunities come knocking. Seen a property at auction to add to your portfolio, replace your existing development finance, or looking to renovate a property? A bridging loan could be the answer. 

Development Finance

Looking to develop land from the ground up or refurbish an existing building? Our team takes the time to fully understand the complexities of the build, providing reliable funding to ensure your development project goes from blueprint to reality.

Our business

About Shawbrook

Shawbrook provides finance to a wide range of customers who value the premium experience, flexibility and certainly we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

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Sustainability

Our sustainability strategy is designed to create value for our customers, colleagues, communities, suppliers and shareholders, while having a positive impact on society and the wider environment. 

Saracens sponsorship

As official banking partner of Saracens Rugby Club, we are proud to champion elite women’s sport by supporting the growth of both women’s rugby and netball as lead sponsor of the Mavericks.