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Welcome to Redwood Bank for intermediaries

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An experienced lending team

An experienced lending team

Individually assessed mortgages

Individually assessed mortgages

Diverse properties considered

Diverse properties considered

Why Redwood Bank?

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

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An experienced lending team

Our lending team is highly skilled in handling complex and specialist cases, including complicated ownership structures and trusts. Our experienced business development team spans Great Britain. They are here to support you and your clients to achieve their business and property goals.

Individually assessed mortgages

We strive to understand each client's situation and story, going beyond the numbers. We always seek to apply a common-sense approach to every mortgage deal.

Diverse properties considered

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

We’re boosting affordability for landlords and SMEs!

  1. Criteria changes improving affordability calculations for landlords.  
  2. Alternate fee option extending to two- and three-year fixed rates. 
  3. Positively recognising the financial efficiencies and benefits of being a SPV or Limited Company to strengthen affordability results. 

Mortgages are secured on your client’s property. Your client could lose their property if they do not keep up payments on their mortgage.  

Read our product guide
We’re boosting affordability for landlords and SMEs!

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, exit a bridging facility or raise additional funds to grow your clients' property businesses.

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 clients' businesses.

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 
  • Single asset maximum loan of £3m up to 65% LTV and £2m for over 65% LTV
  • Fixed terms from 2-30 years 
  • Interest only or capital and interest repayment
  • 2, 3 and 5 year fixed rates available
  • Option for higher fee and lower interest 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 entities (sole-trader, partnership or limited company), trusts, individuals and expats
  • Gross rental income should represent at least 125% of monthly repayments for buy-to-let and small HMO's/MUFB's
  • Gross rental income should represent at least 145% of monthly repayments for large HMO's/MUFB's
  • Maximum age 85 at the end of the loan term
Download our product guide
Criteria Documents
Product overview

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

  • Mixed-use properties where over 50% and up to 80% of rental income is derived from buy-to-let or small HMO's/MUFB's
  • 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 or capital and interest repayment
  • 2, 3 and 5 year fixed rates available
  • Option for higher fee and lower interest 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 entities (limited companies, sole traders, partnerships, and SIPP and SSAS schemes), trusts, individuals and expats
  • Rental income should represent at least 130% of monthly repayments
  • Maximum age 85 at the end of the loan term
Download our product guide
Criteria Document
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 up to 25 years 
  • Interest only options up to 5 years available, as part of a capital and interest mortgage repayment term
  • 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 if a professional landlord
  • Lending to UK-based entities (limited companies, sole traders, partnerships, and SIPP and SSAS schemes), trusts, individuals and expats
  • Gross rental income should represent at least 135% of monthly repayments (professional landlord)
  • Adjusted EBITDA should represent at least 135% of monthly repayments (commercial owner occupier)
  • Maximum age 75 (owner occupier) or 85 (professional landlord) at the end of the loan term
Download our product guide
Criteria Documents