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 4.88%
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

Arrangement fees differ across our Buy-to-Let products.

* Variable rates 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 4.75% (as of 8 November 2024).

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

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***.

Submit an enquiry

*** 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.

Visit our dedicated broker site