Regulated Bridging Finance

Using a regulated bridging loan as a short term funding option can allow clients that are experiencing unforeseen delays on the road to completion to continue in the purchase of their new home. Thanks to our highly flexible and responsive approach, our bridging team are able to help you and your clients at just the right moment.

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Complete transparency of fees

Product Highlights

  • Rates from 0.66% per month
  • Up to 70% LTV
  • Loans from £50k to £2.5m
  • No minimum term & maximum term of 12 months
  • No minimum interest and no Early Repayment Charges (ERCs)
  • Interest is rolled up
  • No unexpected rate increases
  • Arrangement fee of 1.95%

Download our product guide

Criteria at a glance

Age Minimum age of 21 years and no older than 80 years at the end of the mortgage.
Customer Type
Individuals, LLPs, Limited Companies, PLCs, Trusts, SIPPs & Expats.
Location England, Wales & Scotland.
Experience

No experience required if the client is looking to conduct either no works or light works on the property.

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.

We have recently published our full Bridging lending criteria guide for complete transparency on our lending requirements.

Download our Bridging Lending Criteria

We have two regulated bridging products available for customers:

  • A product that simply covers the purchase of the new property
  • A product allowing an additional facility to cover any refurbishment work to your current or new property
Products
-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
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