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

*LIBOR is subject to a floor of 0.75% so that LIBOR will always be considered to be 0.75% even if it is itself lower than 0.75%. Please note that current Shawbrook 3 month LIBOR is 0.75% (as of April 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

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

Case Study Corner

A BTL refinance in just 25 days to assist with the construction of a new investment property, and to help towards the repayment of a director’s loan.

Case Study Corner
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