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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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Business Moneyfacts Best Commercial Mortgage Provider 2020 & 2021
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B&C Commercial Lender of the Year 2020

Commercial & Semi-Commercial Investments

Mortgages from £50k - £25m

Arrangement fee varies depending on loan size

Commercial over £1m

Arrangement fee 2.00%
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*Shawbrook Base Rate

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LTV 55%
Variable* 5.49%
Fixed 3yr 5.52%
Fixed 5yr 5.54%
LTV 65%
Variable* 5.69%
Fixed 3yr 5.72%
Fixed 5yr 5.74%
LTV 75%
Variable* 6.19%
Fixed 3yr 6.22%
Fixed 5yr 6.24%
LTV Variable* Fixed 3yr Fixed 5yr
55% 5.49% 5.52% 5.54%
65% 5.69% 5.72% 5.74%
75% 6.19% 6.22% 6.24%

*Shawbrook Base Rate

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Commercial £150,001 to £1m

Arrangement fee 1.50%
Enquire now

*Shawbrook Base Rate

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LTV 55%
Variable* 5.69%
Fixed 3yr 5.72%
Fixed 5yr 5.74%
LTV 65%
Variable* 5.89%
Fixed 3yr 5.92%
Fixed 5yr 5.94%
LTV 75%
Variable* 6.39%
Fixed 3yr 6.42%
Fixed 5yr 6.44%
LTV Variable* Fixed 3yr Fixed 5yr
55% 5.69% 5.72% 5.74%
65% 5.89% 5.92% 5.94%
75% 6.39% 6.42% 6.44%

*Shawbrook Base Rate

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Commercial up to £150k

Arrangement fee 1.50%
Enquire now

*Shawbrook Base Rate

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LTV 55%
Variable* 6.09%
Fixed 3yr 6.12%
Fixed 5yr 6.14%
LTV 65%
Variable* 6.39%
Fixed 3yr 6.42%
Fixed 5yr 6.44%
LTV 75%
Variable* 7.25%
Fixed 3yr 7.28%
Fixed 5yr 7.30%
LTV Variable* Fixed 3yr Fixed 5yr
55% 6.09% 6.12% 6.14%
65% 6.39% 6.42% 6.44%
75% 7.25% 7.28% 7.30%

*Shawbrook Base Rate

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Semi-Commercial over £1m

Arrangement fee 2.00%
Enquire now

*Shawbrook Base Rate

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LTV 55%
Variable* 4.89%
Fixed 3yr 4.92%
Fixed 5yr 4.94%
LTV 65%
Variable* 4.89%
Fixed 3yr 4.92%
Fixed 5yr 4.94%
LTV 70%
Special Edition
Fixed 5yr 5.34%
LTV 75%
Variable* 5.49%
Fixed 3yr 5.52%
Fixed 5yr 5.54%
LTV Variable* Fixed 3yr Fixed 5yr
55% 4.89% 4.92% 4.94%
65% 4.89% 4.92% 4.94%
70%
Special Edition 
- - 5.34%
75% 5.49% 5.52% 5.54%

*Shawbrook Base Rate

?

Semi-Commercial £150,001 to £1m

Arrangement fee 1.50%
Enquire now

*Shawbrook Base Rate

?
LTV 55%
Variable* 5.19%
Fixed 3yr 5.22%
Fixed 5yr 5.24%
LTV 65%
Variable* 5.19%
Fixed 3yr 5.22%
Fixed 5yr 5.24%
LTV 70%
Special Edition
Fixed 5yr 5.34%
LTV 75%
Variable* 5.79%
Fixed 3yr 5.82%
Fixed 5yr 5.84%
LTV Variable* Fixed 3yr Fixed 5yr
55% 5.19% 5.22% 5.24%
65% 5.19% 5.22% 5.24%
70%
Special Edition 
- - 5.34%
75% 5.79% 5.82% 5.84%

*Shawbrook Base Rate

?

Semi-Commercial up to £150k

Arrangement fee 1.50%
Enquire now

*Shawbrook Base Rate

?
LTV 55%
Variable* 5.70%
Fixed 3yr 5.73%
Fixed 5yr 5.75%
LTV 65%
Variable* 6.00%
Fixed 3yr 6.03%
Fixed 5yr 6.05%
LTV 75%
Variable* 6.69%
Fixed 3yr 6.72%
Fixed 5yr 6.74%
LTV Variable* Fixed 3yr Fixed 5yr
55% 5.70% 5.73% 5.75%
65% 6.00% 6.03% 6.05%
75% 6.69% 6.72% 6.74%

*Shawbrook Base Rate

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Commercial Investment Lending Criteria

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

Please download our Lending Criteria guide for full details.

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

Criteria at a glance…

First time commercial landlords?
No, but we only require them to have 1 BTL owned for 1 year+ and an FRI lease in place with 2 or more years to run before break/expiry
Do you lend against VP or MV?
The lower of Market Value (MV) or Vacant Possession (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.

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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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