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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

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%
  • Our Lending for Refurbishment Costs product addition allows your clients access to 100% of the refurbishment costs up to 85% LTV, under a single larger facility available on Day 1*

Download our product guide

*Available on light residential refurbishment projects (STL1)

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?
Yes, with our Lending for Refurbishment Costs product option. Up to 100% of the refurb costs can be funded but the total loan cannot exceed 85% of the day one purchase price/value or 75% of the post-works value (whichever is lower). Available on light residential refurb projects only.
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.

Developer Exit Scenario

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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