Arrangement fee 5.00%
Applicable to all Limited Edition products listed
We’re committed to providing professional landlords with practical and creative funding solutions to support their large ambitions for success.
That’s why we’ve recently launched our new Structured Real Estate team and proposition, dedicated to assisting landlords requiring loans over £5m. They offer a premium case management service, with one-to-one support and tailored loan structuring, to deliver specialist finance that suits your client’s unique and often complex needs.
We put PRO in large PROperty finance.
Arrangement fee 5.00%
Applicable to all Limited Edition products listed
| LTV | 65% |
|---|---|
| Fixed 2yr | 5.44% |
| Fixed 5yr | 5.84% |
| LTV | 70% |
|---|---|
| Fixed 2yr | 5.54% |
| Fixed 5yr | - |
| LTV | 75% |
|---|---|
| Fixed 2yr | - |
| Fixed 5yr | 5.94% |
| LTV | Fixed 2yr |
Fixed 5yr |
|---|---|---|
| 65% | 5.44% | 5.84% |
| 70% | 5.54% | - |
| 75% | - | 5.94% |
| LTV | 65% |
|---|---|
| Fixed 2yr | 5.84% |
| Fixed 5yr | 6.24% |
| LTV | 70% |
|---|---|
| Fixed 2yr | 5.94% |
| Fixed 5yr | - |
| LTV | 75% |
|---|---|
| Fixed 2yr | - |
| Fixed 5yr | 6.34% |
| LTV | Fixed 2yr |
Fixed 5yr |
|---|---|---|
| 65% | 5.84% | 6.24% |
| 70% | 5.94% | - |
| 75% | - | 6.34% |
Arrangement fee 3.00%
Applicable to all products listed (excluding Limited Edition)
| LTV | 75% |
|---|---|
| Fixed 5yr | 5.99% |
| LTV | Fixed 5yr |
|---|---|
| 75% | 5.99% |
*Key criteria
| LTV | 75% |
|---|---|
| Fixed 5yr | 5.99% |
| LTV | Fixed 5yr |
|---|---|
| 75% | 5.99% |
*Key criteria
| LTV | 75% |
|---|---|
| Fixed 5yr | 6.49% |
| LTV | Fixed 5yr |
|---|---|
| 75% | 6.49% |
*Key criteria
| LTV | 75% |
|---|---|
| Fixed 5yr | 6.49% |
| LTV | Fixed 5yr |
|---|---|
| 75% | 6.49% |
*Key criteria
| LTV | 65% |
|---|---|
| Variable* | 8.35% |
| Fixed 2yr | 6.54% |
| Fixed 3yr | 6.49% |
| Fixed 5yr | 6.34% |
| Fixed 10yr | 6.34% |
| LTV | 75% |
|---|---|
| Variable* | 8.55% |
| Fixed 2yr | 6.64% |
| Fixed 3yr | 6.59% |
| Fixed 5yr | 6.44% |
| Fixed 10yr | 6.44% |
| LTV | Variable* | Fixed 2yr |
Fixed 3yr |
Fixed 5yr |
Fixed 10yr |
|---|---|---|---|---|---|
| 65% | 8.35% | 6.54% | 6.49% | 6.34% | 6.34% |
| 75% | 8.55% | 6.64% | 6.59% | 6.44% | 6.44% |
*Shawbrook Base Rate (SBR)
| LTV | 65% |
|---|---|
| Variable* | 9.00% |
| Fixed 2yr | 6.94% |
| Fixed 3yr | 6.89% |
| Fixed 5yr | 6.74% |
| Fixed 10yr | 6.74% |
| LTV | 75% |
|---|---|
| Variable* | 9.20% |
| Fixed 2yr | 7.04% |
| Fixed 3yr | 6.99% |
| Fixed 5yr | 6.84% |
| Fixed 10yr | 6.84% |
| LTV | Variable* | Fixed 2yr |
Fixed 3yr |
Fixed 5yr |
Fixed 10yr |
|---|---|---|---|---|---|
| 65% | 9.00% | 6.94% | 6.89% | 6.74% | 6.74% |
| 75% | 9.20% | 7.04% | 6.99% | 6.84% | 6.84% |
*Shawbrook Base Rate (SBR)
| LTV | 65% |
|---|---|
| Variable* | 10.00% |
| Fixed 2yr | 7.29% |
| Fixed 3yr | 7.24% |
| Fixed 5yr | 7.09% |
| Fixed 10yr | 7.09% |
| LTV | 75% |
|---|---|
| Variable* | 10.20% |
| Fixed 2yr | 7.39% |
| Fixed 3yr | 7.34% |
| Fixed 5yr | 7.19% |
| Fixed 10yr | 7.19% |
| LTV | Variable* | Fixed 2yr |
Fixed 3yr |
Fixed 5yr |
Fixed 10yr |
|---|---|---|---|---|---|
| 65% | 10.00% | 7.29% | 7.24% | 7.09% | 7.09% |
| 75% | 10.20% | 7.39% | 7.34% | 7.19% | 7.19% |
*Shawbrook Base Rate (SBR)
Arrangement fee 3% for all products except Limited Edition BTL which is 5%
| LTV | 65% |
|---|---|
| Variable* | - |
| Fixed 2yr (Max 70% LTV) | 4.88% |
| Fixed 3yr | - |
| Fixed 5yr (Max 75% LTV) | 5.49% |
| Fixed 10yr | - |
| LTV | 75% |
|---|---|
| Variable* | - |
| Fixed 2yr (Max 70% LTV) | 5.18% |
| Fixed 3yr | - |
| Fixed 5yr (Max 75% LTV) | 5.79% |
| Fixed 10yr | - |
| LTV | Variable* |
Fixed |
Fixed |
Fixed 5yr (Max 75% LTV) |
Fixed 10yr |
|---|---|---|---|---|---|
| 65% | - | 4.88% | - | 5.49% | - |
| 75% | - | 5.18% | - | 5.79% | - |
| LTV | 65% |
|---|---|
| Variable* | 8.35% |
| Fixed 2yr | 5.99% |
| Fixed 3yr | 5.99% |
| Fixed 5yr | 5.99% |
| Fixed 10yr | 5.99% |
| LTV | 75% |
|---|---|
| Variable* | 8.55% |
| Fixed 2yr | 6.29% |
| Fixed 3yr | 6.29% |
| Fixed 5yr | 6.29% |
| Fixed 10yr | 6.29% |
| LTV | Variable* |
Fixed |
Fixed |
Fixed 5yr |
Fixed 10yr |
|---|---|---|---|---|---|
| 65% | 8.35% | 5.99% | 5.99% | 5.99% | 5.99% |
| 75% | 8.55% | 6.29% | 6.29% | 6.29% | 6.29% |
*Shawbrook Base Rate (SBR)
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.
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.
The following discount will apply:
| A rating: 0.60% | B rating: 0.45% | C rating: 0.25% |
For example - if a 3% arrangement fee is applicable, your client would be charged 2.55% for a property with an EPC rating of 'B'.
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).
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: The Path to a Sustainable Rental Market – analyses the impact these proposed regulations could have on the private rented sector, and how the rising cost of living is driving a shift towards energy efficiency improvements.
Read story and download report
MyShawbrook Buy-to-Let enabled us to provide mortgage offers to two customers within just 3 working hours of receiving the applications.
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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