New rates across many of our Buy-to-Let products. View details

Bridging Finance: New rates from 0.50%

The health and safety of our customers and partners is our priority. Update here

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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Business Moneyfacts Best Commercial Mortgage Provider 2020
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B&C Commercial Lender of the Year 2020
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Download our Commercial Investment Market Report 2019

Product Highlights

  • Rates from 4.44%*
  • Up to 75% LTV
  • 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
  • Arrangement fee of 1.5%

*Above Shawbrook Base Rate.

Shawbrook Base Rate (SBR) is subject to a minimum floor of 0.75%. This means that if SBR is lower than 0.75% the rate we charge on SBR linked products will remain at 0.75%. Please note that the current Shawbrook Base Rate is 0.10% (as of March 2020).

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Product Highlights
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-0.25%
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.

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.

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