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

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At a glance

  • Funding delivered at speed
  • Client saved nearly £650 with our Buy-to-Let Energy Efficiency Discount
  • Funding solution underpinned by efficiency and innovation

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Products to support professional landlords

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

The refinance included a capital raise of £150,000, allowing the professional landlord to redeem an existing variable rate facility before transitioning to a five-year fixed term buy-to-let mortgage with Shawbrook at 75% LTV. By switching from a variable to fixed rate also meant that the client saved money on their monthly repayments. 

Shawbrook were able to deliver the funding at speed as the broker submitted the application via MyShawbrook. An instant Indicative Mortgage Offer (IMO) with an AVM was issued on 8 June, followed by the Full Mortgage Offer (FMO) supplied on 16 June. This technology-driven approach has proven pivotal in achieving swift and informed decisions, which resulted in the case completing and the funds being released on 30 June. 

The capital raise was to renovate some of the properties within the portfolio with energy efficiency upgrades. The portfolio landlord was able to access a partial discount on his arrangement fee for over a third of his properties as part of the specialist lender’s Buy-to-Let Energy Efficiency Discount, saving nearly £650. The discount applies to all properties with an Energy Performance Certificate (EPC) rating of ‘C’ or above, and therefore rewarded this landlord for his energy efficiency upgrades.

This case demonstrates Shawbrook’s adeptness in supporting professional landlords to manage their portfolios. They understood the unique needs of this landlord and delivered a funding solution underpinned by efficiency and innovation.

"Our innovative systems and products are designed with professional investors in mind, and working in partnership with a key broker meant we could deliver a fantastic outcome for this client.”

- Lee Albino, Regional Development Manager at Shawbrook

Gareth Butler, Senior Commercial Manager from Watts Commercial Finance comments:

“This case highlights Shawbrook’s status as an excellent partner for professional property investors seeking reliable funding solutions. Leveraging the perfect balance of technology and expertise within the team, nurtured by Lee Albino, saw Shawbrook successfully complete this deal. It was a great outcome for the client who can now proceed with the plans to enhance his portfolio.”


Lee Albino, Regional Development Manager at Shawbrook adds:

“We’re delighted that we were able to support one of our Strategic Partners, Watts Commercial, with this refinance case for their portfolio client. Our innovative systems and products are designed with professional investors in mind, and working in partnership with a key broker meant we could deliver a fantastic outcome for this client.”

How can we help you?

Our team of experts across the UK are ready and waiting to speak to you about how we can help you realise your property aspirations. Use our enquiry form to get in touch, or contact the team directly through our contact page.

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