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

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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Download our Bridging Market Snapshot 2020
Complete transparency of fees
Available in England, Scotland & Wales

Product Highlights

  • Rates from 0.50% per month
  • Up to 70% LTV
  • Loans from £50k to £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

Regulated Bridging Finance 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…

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

For more information, including definition of light refurbishment and what we deem as unacceptable uses, please download our Bridging Finance Lending Criteria guide.

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.

How can we help today?


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