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Buy-to-Let Energy Efficiency Discount - reduced arrangement fee for properties with a high or improved EPC rating

Commercial Investment

An award-winning combination of simple products and a specialist team to support your client’s complex transactions make us the specialist lender of choice for commercial mortgages.

Our products are typically used to purchase new investment properties, or to refinance existing properties or portfolios, but our offering also covers transactions of a more complex nature including vacant commercial, change of use, serviced offices, licences and short leases.

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Int Commercial Investment
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Specialist Lender of the Year - NACFB Awards 2021
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Commercial Lender of the Year - B&C Awards 2020

Commercial & Semi-Commercial Investments

Mortgages from £50k - £25m

Arrangement fee 2.00%
Applicable to all products listed

Commercial over £1m

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*Shawbrook Base Rate

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LTV 65%
Variable* 5.99%
Fixed 3yr 5.89%
Fixed 5yr 5.89%
LTV 75%
Variable* 6.69%
Fixed 3yr 6.19%
Fixed 5yr 6.19%
LTV Variable* Fixed 3yr Fixed 5yr
65% 5.99% 5.89% 5.89%
75% 6.69% 6.19% 6.19%

*Shawbrook Base Rate

?

Commercial £150,001 to £1m

Enquire now

*Shawbrook Base Rate

?
LTV 65%
Variable* 6.19%
Fixed 3yr 5.99%
Fixed 5yr 5.99%
LTV 75%
Variable* 6.89%
Fixed 3yr 6.29%
Fixed 5yr 6.29%
LTV Variable* Fixed 3yr Fixed 5yr
65% 6.19% 5.99% 5.99%
75% 6.89% 6.29% 6.29%

*Shawbrook Base Rate

?

Commercial up to £150k

Enquire now

*Shawbrook Base Rate

?
LTV 55%
Variable* 6.59%
Fixed 3yr 6.19%
Fixed 5yr 6.19%
LTV 65%
Variable* 6.89%
Fixed 3yr 6.49%
Fixed 5yr 6.49%
LTV 75%
Variable* 7.79%
Fixed 3yr 7.39%
Fixed 5yr 7.39%
LTV Variable* Fixed 3yr Fixed 5yr
55% 6.59% 6.19% 6.19%
65% 6.89% 6.49% 6.49%
75% 7.79% 7.39% 7.39%

*Shawbrook Base Rate

?

Semi-Commercial over £1m

Enquire now

*Shawbrook Base Rate

?
LTV 65%
Variable* 5.29%
Fixed 3yr 5.14%
Fixed 5yr 5.14%
LTV 75%
Variable* 5.79%
Fixed 3yr 5.39%
Fixed 5yr 5.39%
LTV Variable* Fixed 3yr Fixed 5yr
65% 5.29% 5.14% 5.14%
75% 5.79% 5.39% 5.39%

*Shawbrook Base Rate

?

Semi-Commercial £150,001 to £1m

Enquire now

*Shawbrook Base Rate

?
LTV 65%
Variable* 5.49%
Fixed 3yr 5.24%
Fixed 5yr 5.24%
LTV 75%
Variable* 5.99%
Fixed 3yr 5.39%
Fixed 5yr 5.39%
LTV Variable* Fixed 3yr Fixed 5yr
65% 5.49% 5.24% 5.24%
75% 5.99% 5.39% 5.39%

*Shawbrook Base Rate

?

Semi-Commercial up to £150k

Enquire now

*Shawbrook Base Rate

?
LTV 55%
Variable* 6.09%
Fixed 3yr 5.69%
Fixed 5yr 5.69%
LTV 65%
Variable* 6.39%
Fixed 3yr 5.99%
Fixed 5yr 5.99%
LTV 75%
Variable* 7.19%
Fixed 3yr 6.79%
Fixed 5yr 6.79%
LTV Variable* Fixed 3yr Fixed 5yr
55% 6.09% 5.69% 5.69%
65% 6.39% 5.99% 5.99%
75% 7.19% 6.79% 6.79%

*Shawbrook Base Rate

?

Commercial Investment Lending Criteria

We pride ourselves on being transparent with our lending criteria, so you know where you stand when submitting a case to us.

If your client does not meet all conditions, applications may still be considered.

You can explore our new, fully interactive Commercial Investment lending criteria or download as a PDF.

Download Commercial Investment Lending Criteria

Criteria at a glance…

First time commercial landlords?
No, but we only require them to have one Buy-to-Let owned for one year+ and an FRI lease in place with 2 or more years to run before break/expiry
Do you lend against Market Value (MV) or Vacant Possession (VP)?
The lower of MV or VP value.
Are vacant commercial units acceptable?
Yes but where the property is part or fully vacant on completion, the borrower must evidence sufficient outside income to meet the loan payments.

Fast completions on complex cases.

We completed a £7m commercial investment refinance and capital raise within two working days of the offer being made.

Office Building
MSP

MyShawbrook Portal

The digital platform that takes the pain out of the product switch process.

Our Broker Flow Process Guide walks through the steps of this new, simple product switch portal.

We’re in it for the long haul.

We believe in the value of long-term relationships. That’s why we offer existing customers a 0.25% discount on the arrangement fee for anyone with an existing Shawbrook product applying for a new loan.

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