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Welcome to Redwood Bank for intermediaries

We’re a specialist business bank focused on commercial and buy-to-let mortgages for experienced property landlords, investors and British SMEs.

Discover our products

Why Redwood Bank?

We work collaboratively with mortgage and commercial finance brokers to provide their clients the finance they need to invest in and grow their businesses.

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Individually assessed mortgages

We offer individually assessed commercial and buy-to-let mortgages, considering each case on its own merits. We strive to understand each client’s situation and story, going beyond just the numbers. We always try to apply a common-sense approach to each and every deal.

Experienced lending team

Our lending team is experienced in handling complex and specialist cases, including complicated ownership structures and trusts. They are tried and tested, ensuring an efficient and diligent review and processing of your client's application.

Diverse properties considered

We offer buy-to-let mortgages for large and small HMOs, as well as residential, commercial and mixed-use/semi-commercial properties. We consider properties on assured shorthold tenancies and longer-term leases to commercial or government bodies.

Our Products

Buy-to-let mortgages

Buy-to-let mortgages

Including large and small HMOs. Buy-to-let mortgages to purchase a new investment property, refinance an existing portfolio, to exit a bridging facility or raise additional funds to grow your property business.

Commercial mortgages

Commercial mortgages

Commercial mortgages for British SMEs wanting to acquire new premises or refinance an existing property. Opportunities to release capital for investment to grow your business.

Refurbishment finance

Refurbishment finance

Secured property refurbishment loans for experienced property investors and landlords wanting finance to purchase and refurbish an investment property.

Product overview

Residential investment mortgages - buy-to-let, HMOs and portfolios

  • Rates from 5.89%
  • Up to 75% loan to value
  • Mortgages from £250,000 to £6.0m 
  • Fixed terms from 2-30 years 
  • Interest only options available
  • 2, 3 and 5 year Fixed Rates available
  • Option for higher fee and lower rates to support affordability
  • Mixed-use properties considered.
  • Green Reward Cashback offer of up to 0.50% available on properties with EPC ratings of A-C

Customer criteria

  • At least two years' experience as a professional landlord
  • Net rental income should represent at least 125% of monthly repayments
  • Lending to UK-based companies, individuals and expats
  • Sole trader, partnership or limited company
  • Maximum age 75 at the end of the loan term
Download our product guide
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Product overview

Semi-commercial mortgages - buy-to-let, HMOs and portfolios

  • Mixed-use properties where over 50% of rental income is derived from a residential source
  • Rates from 5.89%
  • Up to 75% loan to value
  • Mortgages from £250,000 to £6.0m
  • Fixed terms from 2-30 years
  • Interest only options available
  • 2, 3 and 5 year Fixed Rates available
  • Option for higher fee and lower rates to support affordability
  • Mixed-use properties considered.
  • Green Reward Cashback offer of up to 0.50% available on properties with EPC ratings of A-C.

Customer criteria

  • Evidence of being an experienced property investor
  • Lending to UK-based companies, individuals and expats
  • Net rental income should represent at least 125% of monthly repayments
  • Available to limited companies, sole traders, partnerships, and SIPP and SSAS schemes
  • Maximum age 75 at the end of the loan term
Download our product guide
Download
Product overview

Commercial mortgages - owner occupier and professional landlords

  • Rates from 7.39%
  • Up to 70% loan to value
  • Mortgages from £250,000 to £6.0m
  • Fixed terms from 2-25 years 
  • Interest only options available
  • 2, 3 and 5 year Fixed Rates available
  • Option for higher fee and lower rates to support affordability
  • Green Reward Cashback offer of up to 0.50% available on properties with EPC ratings of A-C.

Customer criteria

  • Evidence of being an experienced property investor
  • Lending to UK-based companies, individuals and expats
  • Net rental income should represent at least 125% of monthly repayments
  • Available to limited companies, sole traders, partnerships, and SIPP and SSAS schemes
  • Sole trader, partnership or limited company
  • Maximum age 75 at the end of the loan term
Download our product guide
Download