New rates across many of our Buy-to-Let products. View details

Bridging Finance: New rates from 0.50%

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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
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)

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.

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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