"By reducing rates and reintroducing 75% LTV products, we're giving brokers more ways to place cases confidently, whether that's for lower leverage borrowing or more complex properties like HMOs"
- Louise Apollonio - TML
The Mortgage Lender (TML), part of Shawbrook, has cut buy-to-let mortgage rates by up to 0.35% and relaunched a selection of 75% LTV products, effective from 12 May 2026. The changes apply across two- and five-year fixed rate products and are aimed at giving brokers more options when placing cases for landlord clients.
Standard buy-to-let rates now start from 4.14%, while products covering houses in multiple occupation (HMO) and multi-unit blocks (MUB) begin from 4.29%. The return of 75% LTV products across both fixed terms broadens the range for landlords seeking lower leverage options.
"These changes are designed to make it easier for brokers to get cases placed in a market where cost and flexibility really matter," said Louise Apollonio, sales and distribution director for retail mortgages at Shawbrook (pictured).
"By reducing rates and reintroducing 75% LTV products, we're giving brokers more ways to place cases confidently, whether that's for lower leverage borrowing or more complex properties like HMOs."
"In a market that continues to evolve, speaking to a broker early can make a real difference, so it's important they have the right options and support behind them. Ultimately, this is about giving brokers the confidence to place business with us, get it through, and deliver the right outcomes for their clients."
Lending criteria and product features
The refreshed range reflects TML's approach to supporting a wide range of landlord circumstances. Key features include:
- Loans of up to £3m per property
- Up to £5m per customer
- No set cap on portfolio size
The criteria are designed to accommodate landlords with varied portfolios and more complex borrowing needs, including those operating HMOs or multi-unit blocks alongside standard buy-to-let properties.
