TAB Mortgage: Residential Investment Where sustainability builds your success.


Borrowers demonstrating agreed results in EPC, sustainability or social impact may be eligible for discounted exit fees.

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Capital at risk. View the risks here.

Why TAB?

1. Residential investment term debt at bridging speed
2. Discounted exit fees for positive ESG outcomes
3. Rates 4.99% pa over BoE
4. Terms up to ten years
5. LTVs up to 70%
6. Loans up to £2.5m
7. All types of income producing residential property considered


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Introducing a new term debt residential product tailored for professional landlords.

Partner with us to utilise our eco-friendly mortgages that match your own and your clients' values and boost returns in the growing sustainable property market. Borrowers can present alternative outcomes provided they can be evidenced accordingly.

TAB Mortgage: Residential Investment is not just a lending product; it allows brokers to connect their property investors with a mortgage that has unmatched sustainability benefits, bridging speed processing and a shared commitment to the planet.

With TAB, your clients can benefit from discounted exit fees for ESG improvements. It's not just about financing; it's about ensuring your clients reap the rewards from their sustainable property improvements with reduced costs and the bonus of helping the environment. Win-win!

TAB loans are unregulated. Any property used as security is at risk of repossession if you do not keep up with your payments.

Residential investment mortgage lending criteria

Interest rate:
from BoE + 4.99% pa
Loan size:
£100,000 - £2,500,000
Term:
three to ten years
LTV:
up to 70%
Exit fee:
1.00% with available discounts for ESG performance
Repayment method:
interest only, serviced monthly
Overpayments:
10% pa (no minimum, subject to exit fees and loan minimum)

Other charges may apply

Financing finally meets sustainability.
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ESG Discount


There are three categories of ESG Discount: EPC, Sustainability or Social.
Borrowers may be eligible for all three in respect of each loan.

EPC

Discount:

0.25% - 0.50%

Outcome:

EPC rating A, B or C at expiry of the term


Evidence:

This will be assessed by the borrower providing the EPC certificate

Sustainability

Discount:

0.25%

Outcome*:

Reduction of a business’s environmental impact showcased by upgrades to the property or a sustainability plan

Evidence:

Works done to be independently verified by a relevant expert

Social

Discount:

0.25%

Outcome*:

Property is let to a social enterprise or charity or for adult learning or the property is used for health and wellbeing

Evidence:

Site visit and documented evidence of legal occupation of the property

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*Outcomes in these buckets are examples of what is eligible for ESG Discount. Borrowers can present alternative outcomes provided they can be evidenced accordingly.

Why use TAB Mortgage: Residential Investment?



At TAB, we believe residential property investments can reflect your values. That's why we've created our unique ESG Discounts mortgage product. It rewards borrowers who implement good environmental, social and governance practices with reduced exit fees on their residential investment mortgages.



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How it works

borrower step 1
Application

Following an initial enquiry, borrowers apply for a loan through our online system.

borrower step 2
Decision

Terms are agreed and our team does due diligence on the borrower and the security property as part of the underwriting process.

borrower step 3
Completion

Borrowers receive funds and pay interest monthly. Borrowers make ESG improvements to their properties.

borrower step 3
Redemption

Borrowers can redeem at any time. They can apply for the ESG Discount (with supporting evidence) to potentially reduce the 2.5% exit fee by up to half.

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We want to make sure you have the right support for you. Whether it's a current deal, an enquiry or your investor account. You can speak to one of our team members from Monday to Friday 9am to 5:30pm

Secure your residential mortgage investment with us today

Enquire below to find out more about the Residential investment mortgage


Broker / borrower enquiries

phone us

0208 057 9070

email us

enquiries@tabhq.com

General enquiries

phone us

0208 057 9070

email us

help@tabhq.com


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Frequently asked questions

This product allows brokers to connect their property investors with a mortgage that has unmatched sustainability benefits, bridging speed processing and a shared commitment to the planet.

Yes! We encourage you to reach out to our knowledgeable team to discuss your commercial mortgage needs in detail. You can schedule a consultation by contacting us via phone, email, or through the contact form on our website.

For more information you can view our full list of frequently asked questions here.

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