Commercial Investment

With simple products, and a hands-on approach designed to support your client’s complex transactions, our commercial mortgage products are typically used to purchase new investment properties, or to refinance existing properties or portfolios. With deep expertise in the commercial market, our dedicated team looks at your clients deals on a case-by-case basis, with an underwriter at the end of the phone to ensure that your experience is a good one.

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Product Highlights

  • Rates from 5.34%*
  • Loans from £50k to £25m
  • Complex Commercial Investments including serviced offices and property multi-lets on licences
  • No limit on the number of properties your client may hold with us
  • Minimum personal guarantee of 25% of the loan amount

*LIBOR is subject to a floor of 0.75% so that LIBOR will always be considered to be 0.75% even if it is itself lower than 0.75%. Please note that current Shawbrook 3 month LIBOR is 0.75% (as of April 2020).

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

Criteria at a glance

Maximum LTV

75% (70% for Interest Only on CI1.1 and CI1.2)

Term

3 – 25 years (2 years available for CC1)

Customer Type

Individuals, LLPs, Limited Companies, PLCs, Trusts, SIPPS & expats

Age

Minimum age of 21 years and no older than 80 years at the end of the mortgage

Location

England, Wales & Scotland

Experience

Owned at least 1 investment property & security let on an FRI lease with at least 2 years before the next break or 2 years relevant sector experience.

CC1 product – 2 years relevant sector experience

Credit Status

No unsatisfied CCJs in the last 24 months. Recently satisfied  and large historic (>£5k) CCJs considered by exception.

No mortgage, secured or tenancy arrears in the last 12 months

For full details on our lending criteria, please contact the Sales Desk on 0330 123 4521.

Case Study Corner

A complex £1.94m refinance and capital raise on a mixed-use portfolio comprising of residential assets and a semi-commercial property.

Case Study Corner
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