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Regulated Bridging Finance

Regulated bridging is often used as a short-term funding option to allow clients to ‘bridge the gap’ in purchasing their dream home when unforeseen delays happen. But thanks to our flexible approach there are other acceptable uses for this type of finance helping to support your clients when they need it most.

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Best Short-Term Lender - Mortgage Strategy Awards 2021
Specialist Lender of the Year - NACFB Awards 2021

Regulated Bridging

Loans from £50k - £5m

Arrangement fee 1.95%
Applicable to all products listed.

Regulated Bridging & Regulated Bridging - Refurbishment

RB1 & RB2
LTV 50%
Rate per month 0.45%
LTV 60%
Rate per month 0.50%
LTV 65%
Rate per month 0.60%
LTV 70%
Rate per month 0.65%
LTV 75%
Rate per month 0.70%
LTV Rate per month
50% 0.45%
60% 0.50%
65% 0.60%
70% 0.65%
75% 0.70%


Regulated Bridging Finance 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 Bridging Finance lending criteria or download as a PDF.

Download Bridging Finance Lending Criteria

Criteria at a glance…

Do clients need a clean credit profile?
Largely yes however we do allow minor credit blips and can take a pragmatic approach when reviewing credit history. Please see the full criteria guide for borrower credit profile.
Can I use a regulated bridge to fund investment property?
What refurbishment works are allowed?
Light refurbishment works (no experience required)

For more than just chain breaks & light refurbishment

Consider our regulated bridging loans to help with:

  • Auction purchase
  • Capital raise on current property to fund onward property purchase
    Private occupation only
  • Downsizing
    Including scenarios when the customer is borrowing 100% of the purchase price of the new property with exit via sale of the current property
  • Divorce settlement
    Subject to terms of the Financial Settlement Order in place.
  • Light refurbishment
    When the property does not comply with standard residential mortgage requirements
  • Chain break



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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