Shawbrook is a specialist bank covering complex buy-to-let, HMOs, multi-unit blocks, portfolios and bridging, with deep manual underwriting for the cases that need a human and a structured approach. Property lending is asset- and rental-led rather than day-rate assessed.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Rental coverage / asset & exit |
| Day-one lending | N/A — asset/rental-assessed |
| Minimum history | Experience-based |
| IR35 (inside) stance | N/A — not day-rate assessed |
| Umbrella accepted | Personal income accepted where required |
| Limited company | Yes — SPV and limited company |
| Gaps between contracts | N/A — asset/rental-assessed |
| Adverse credit | Structured considered |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it covers complex BTL, HMOs, multi-unit, portfolios and bridging with deep manual underwriting. Exact terms are confirmed live at application.
On rental coverage and, for bridging, the asset and exit — not day-rate income. Personal income is evidenced where required.
Yes — bridging and refurbishment finance sit alongside its BTL range. These are short-term products needing a defined exit. Specifics are confirmed at application.
Yes — SPV and limited company structures are supported. Specifics are confirmed at application.
Structured, explainable adverse may be considered within its specialist frame. We'll triage the right fit.
Speak to our contractor mortgage specialists to check live Shawbrook Bank rates and verify your borrowing capacity.