Residential Mortgage-Backed Securities May 2025

Residential Mortgage-Backed Securities (RMBS) - May 2025

Shawbrook Bank Limited has announced the successful completion of its Aldbrook Mortgage Transaction 2025-1 plc, a £568 million securitisation of loans originated by The Mortgage Lender Limited ('TML').

The £67 million Class B to X Notes as well as the Residual Certificates were pre-placed, with Shawbrook retaining the £501 million Class A Notes.

The securitised pool is comprised of predominately buy-to-let (80%) and owner-occupied (20%) loans, secured against properties in England, Wales and Scotland. The transaction will support the Group's targeted growth trajectory, capital management and funding strategy.

Dylan Minto, Chief Financial Officer commented

"We are delighted to have successfully completed our eleventh securitisation transaction, further reinforcing our track record as a repeat issuer into the wholesale debt markets. Retention of the Class A notes provides diversification of liquidity sources, while the transaction also delivers an attractive gain on sale to support the Group's performance. The transaction received considerable interest from investors, highlighting the strength of our portfolio and business model.

Looking ahead, we remain focused on leveraging our Retail Mortgage Brands 'originate to distribute' strategy to execute transactions that enhance our financial resilience and the creation of long-term value."

For investor enquiries, please contact:

Murray Long

Head of Investor Relations

M[email protected]

For further information, please contact:

Kieron Redman

Deputy Treasurer and Head of Capital Markets

[email protected]

About Shawbrook

Shawbrook provides finance to a wide range of customers who value the premium experience, flexibility and certainty we deliver.

We have a diversified product offering, tailored to meet specific customer needs in carefully selected Commercial and Retail markets, ranging from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as motor finance for high-end vehicles. Our Retail Mortgage Brands proposition, comprising The Mortgage Lender Limited and Bluestone Mortgages Limited, offers owner-occupied mortgages to those with non-traditional complex income and credit profiles and buy-to-let mortgages to professional landlords.

The Group's lending activities are primarily funded by a stable retail deposit book consisting of easy access and ISA accounts, variable rate notice accounts and fixed rate fixed term accounts (mostly one - five years).

Shawbrook Bank Limited is an operating entity of Shawbrook Group plc. Shawbrook Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is a member of the Financial Services Compensation Scheme.