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

Bridging Finance: New rates from 0.50%
Shawbrook Base Rate:

Shawbrook Base Rate: View FAQs

Unregulated Bridging Finance

Supporting the professional investor and landlord community with award winning bridging & refurbishment finance. With fast access to funds, whether at auction or for other acquisitions, our dedicated bridging team can also help your clients across their portfolio-building journey by facilitating a seamless exit onto a Shawbrook term product.

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Download our Bridging Market Snapshot 2020
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NACFB’s Short Term Lender of the Year 2018-2020

Product Highlights

  • Rates from 0.50% per month
  • Loans from £50k to £15m
  • Up to 75% LTV with terms to 24 months
  • No minimum interest or Early Repayment Charges (ERCs)
  • Minimum personal guarantee of 25% of the loan amount (available on non-refurb bridging only)
  • Arrangement fee of 1.95%

Download our product guide

Product Highlights
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Receive a quick quote using our repayment and max loan calculators

Unregulated 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.

Download Bridging Finance Lending Criteria

Criteria at a glance…

Are you able to fund cost of works?
Not currently, max LTV is 75% of the Open Market Value of the property in its current condition
Do I need landlord experience for a light refurbishment bridge?
No, not for residential or semi-commercial assets. For commercial assets we expect customer experience of having owned or managed 1 investment property within the same sector in the last 5 years
Define light vs heavy refurbishment?
Heavy works will take more than 180 days to complete. Change of use, planning consent or structural works will usually mean a heavy classification

Unregulated Bridging finance allows your clients to:

  • Add value by refurbishing for sale or rental
  • Raise finance to purchase additional properties
  • Replace existing development finance while waiting to sell

We also don’t restrict the number of properties held by an individual or within a limited company.

Partnerships
-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.

Latest Insights & News

Woman Using Tablet
Bridging

Shawbrook Bank enhances bridging proposition

Shawbrook has announced revised pricing across their bridging range, including both regulated and unregulated products with rates now starting at 0.5%.
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News

Shawbrook Bank expands their sales desk team

Shawbrook’ Property Finance division has grown their sales desk with the appointment of three Business Development Executives and two Internal Business Development Managers.
Builder Working On Property
Bridging

Shawbrook Bank completes £1.18m bridging loan to support developer exit

Shawbrook has completed a £1.18m developer exit bridging loan for a highly experienced property developer seeking short-term funding to support their next project.
Heavy Refurb
Bridging

Shawbrook Bank provide Heavy Refurb Bridging loan to convert run-down, single dwelling house into 6-bed HMO

We were approached by Broker Partner Go Finance, seeking a short-term finance solution for their client planning to covert a single-family dwelling into a 6-bed HMO.
Property Podcast
Podcasts

A Conversation with Shawbrook

Hear the latest podcast hosted by Gavin Seaholme, Head of Sales and special guest Jason Berry, Group Sales and Marketing Director at Crystal Specialist Finance, discuss the current state of the bridging market and the recent changes around stamp duty.
Vacant Office
Bridging

Shawbrook provides £9m and £13m commercial and short term loan

We worked seamlessly together with our Broker Partner to deliver on two large cases.

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