Buy-to-Let mortgages

With just 3 Buy-to-Let products to choose from covering Simple BTL, Complex BTL and Large HMOs along with a brand new online application form to help the process to be as quick and effortless as possible, we can open doors for your clients along their property journey.

We’re in it for the long haul - our specialist teams can provide more opportunities for you to build your business by ensuring your clients have a sustainable future.

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Product Highlights

  • Margin from 3.59%*
  • Up to 75% LTV
  • Loans from £50k to £25m
  • 3-30 year interest only options available
  • Minimum personal guarantee of 25% of the loan amount (includes large loans)
  • Supporting Individuals, LLPs, Limited Companies, PLCs, Trusts, SIPPs & Expats
  • Arrangement fee of 1.5%

*Above Shawbrook Base Rate.

Shawbrook Base Rate (SBR) is subject to a minimum floor of 0.75%. This means that if SBR is lower than 0.75% the rate we charge on SBR linked products will remain at 0.75%. Please note that the current Shawbrook Base Rate is 0.10% (as of March 2020).

Download our product guide

Criteria at a glance

Age Minimum age of 21 years and no older than 80 years at the end of the mortgage
Location England, Wales & Scotland
Experience

Residential – 1 BTL property for 12 months

Small HMO – 1 HMO for 12 months or 1 other BTL & more than £30k income

Large HMO  - 1 similar sized HMO for 12 months

First time landlords – more than £50k income (Single BTL product only)

Credit Status

No unsatisfied CCJs in the last 24 months. Recently satisfied and large historic (>£5k) CCJs considered by exception.

No mortgage, secured or tenancy arrears in the last 12 months

We have recently published our full BTL lending criteria guide for complete transparency on our lending requirements

Download our BTL lending criteria

MyShawbrook Portal

The digital platform that takes the pain out of the product switch process.

Our Broker Flow Process Guide walks through the steps of this new, simple product switch portal.

We’re happy to consider

    • Single let residential houses and flats
    • Portfolios including a mix of residential and commercial properties
    • Blocks of flats typically up to 20 units
    • Houses in multiple occupancy (licensed HMOs)
    • Multiple flats on a freehold title
    • Student accommodation
    • Flats above commercial premises
    • Prime low yielding properties
We’re happy to consider
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Download our BTL Market 2018 Report
-0.25%
We believe in the value of a long-term relationship. That’s why we offer existing customers a 0.25% discount on the arrangement fee for anyone with an existing Shawbrook product
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