The Mortgage Lender cuts Buy-to-Let rates and adds new cashback incentive

The Mortgage Lender (TML) has announced a series of enhancements to its Buy-to-Let range, cutting rates and introducing a new cashback incentive for landlords

Related topics:  Specialist lending,  Buy to Let
Editor | Modern Lender
11th October 2025
Buy to Let 1

The Mortgage Lender (TML) has announced a series of enhancements to its Buy-to-Let range, cutting rates and introducing a new cashback incentive for landlords.

TML has repriced its 2-Year and 5-Year standard Buy-to-Let products, with rate reductions of up to 0.15% across its core range. The changes form part of the lender’s ongoing commitment to supporting brokers and professional landlords with flexible, competitively priced solutions.

As part of the update, TML will withdraw the 2-Year £3,495 fee product and reintroduce the 2-Year £2,495 fee product, providing more choice for borrowers balancing upfront costs with long-term value.

To further support portfolio and HMO landlords, all 5-Year Fixed HMO products will now include a £500 cashback - available for a limited time. 

Steve Griffiths, Commercial Director for Retail Mortgages at Shawbrook, said:

“Landlords continue to adapt to a changing market, and we’re focused on making sure our range evolves with them. By reducing rates and enhancing incentives, we’re giving brokers more tools to support clients who are refinancing or looking to expand their portfolios. This latest update reflects our continued commitment to offering products that are both competitive and flexible.”

TML forms part of Shawbrook’s specialist Retail Mortgages business, which combines TML’s broker-only distribution with Shawbrook’s expertise in more complex property finance. Together, the group supports a wide spectrum of borrowers - from those with more complex income profiles to professional landlords with larger portfolios.

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