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Buy-to-Let Energy Efficiency Discount - reduced arrangement fee for properties with a high or improved EPC rating

Buy-to-Let mortgages

We’re committed to futureproofing landlords’ investments, providing long-term sustainable solutions to improve their energy efficiency.

That’s why we’ve launched our new Energy Efficiency Discount, which rewards investors whose properties hold an Energy Performance Certificate (EPC) rating of ‘C’ or above.

Building a sustainable tomorrow, today.

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Faster mortgage offers with MyShawbrook Buy-to-Let
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Buy-to-Let Lender of the Year - NACFB Awards 2021
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Specialist Lender of the Year - NACFB Awards 2021

Buy-to-Let Products

Term loans from £40k - £25m

Arrangement fee 1.50%
Applicable to all products listed

Non-Portfolio

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*Key criteria

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LTV 75%
Fixed 5yr 3.69%
LTV Fixed 5yr
75% 3.69%

*Key criteria

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Portfolio

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*Key criteria

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LTV 75%
Fixed 5yr 4.09%
LTV Fixed 5yr
75% 4.09%

*Key criteria

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Specialist

Loans over £1m
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*Shawbrook Base Rate

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LTV 65%
Variable* 4.64%
Fixed 3yr 4.19%
Fixed 5yr 4.24%
LTV 75%
Variable* 4.74%
Fixed 3yr 4.29%
Fixed 5yr 4.34%
LTV Variable* Fixed 3yr Fixed 5yr
65% 4.64% 4.19% 4.24%
75% 4.74% 4.29% 4.34%

*Shawbrook Base Rate

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Specialist

Loans up to £1m
Enquire now

*Shawbrook Base Rate

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LTV 65%
Variable* 5.04%
Fixed 3yr 4.59%
Fixed 5yr 4.64%
LTV 75%
Variable* 5.14%
Fixed 3yr 4.69%
Fixed 5yr 4.74%
LTV Variable* Fixed 3yr Fixed 5yr
65% 5.04% 4.59% 4.64%
75% 5.14% 4.69% 4.74%

*Shawbrook Base Rate

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Buy-to-Let Lending Criteria

We pride ourselves on being transparent with our lending criteria, so you know where you stand when submitting a case to us.

If your client does not meet all conditions, applications may still be considered.

You can explore our new, fully interactive Buy-to-Let lending criteria or download as a PDF.

Download Buy-to-Let Lending Criteria

Criteria at a glance…

Customer type
Individuals (including foreign nationals residing in the UK), Expats, LLPs, Limited Companies, PLCs, Trusts, SIPPS, first time landlords subject to additional criteria.
Residential flats above or close to commercial premises?
Acceptable up to 75% LTV subject to sales demand being achievable within 12 months.
Automated Valuations
Now available across the Buy-to-Let range for single assets, portfolios and small HMOs.

Energy Efficiency Discount

For Buy-to-let properties that hold an Energy Performance Certificate (EPC) of at least a ‘C’, your client will be eligible for a discount on the arrangement fee when taking out a new mortgage with us.

Instead of the standard 1.50% arrangement fee, the following fees will apply:

A rating: 0.90%  B rating: 1.05% C rating: 1.25%

 

 

If your client’s new investment doesn’t have an EPC rating of at least a ‘C’, we have another way to support them. Making energy efficient improvements to the property during the lifetime of the mortgage with us - which result in a new EPC of at least a ‘C’ – means they’ll be eligible for a partial refund of the arrangement fee*.

All you need to do is submit the new certificate to us. We’ll also refund the cost of the new EPC certificate (up to £100).

Importance of improving EPC rating

From 2025, proposed regulations could require Energy Performance Certificates (EPCs) to be at least a ‘C’ for properties with new tenancies, expanding to all properties in 2028.

Our short whitepaper – Confronting the EPC Challenge – analyses these proposed EPC regulations and the impact this legislation could have on landlords, tenants and the Private Rented Sector.

Download your copy today

 

EPC Lady Tablet

The future of Buy-to-Let

MyShawbrook Buy-to-Let enabled us to provide mortgage offers to two customers within just 3 working hours of receiving the applications.

Man Holding Phone At Desk

We’re in it for the long haul.

We believe in the value of long-term relationships. That’s why we offer existing customers a 0.25% discount on the arrangement fee for anyone with an existing Shawbrook product applying for a new loan.

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