New Buy-to-Let Non-Portfolio Product: 5 year fixed at 3.69%

MyShawbrook Buy-to-Let - Instant IMOs with AVMs

 

Refreshed Commercial Investment offering – Rates from 4.89%

 

Unregulated Bridging Finance

Supporting the professional investor and landlord community with award-winning bridging & refurbishment finance.

Whether your client is looking to add value by refurbishing for sale or rental, raise finance to purchase additional properties or replace existing development finance while waiting to sell, our dedicated bridging team can support you.

This can also be the start of their portfolio-building journey with us as we can facilitate a seamless exit onto a Shawbrook term product.

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Mortgage Strategy Awards: Best Short-Term Lender 2021
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NACFB’s Short Term Lender of the Year 2018-2020

Unregulated Bridging

Loans from £50k - £15m

Arrangement fee 1.95%
Applicable to all products listed.

Bridging & Light Refurbishment

Residential (STL1)
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*Lending for Refurbishment Costs

?
LTV 50%
Rate per month 0.50%
LTV 60%
Rate per month 0.60%
LTV 70%
Rate per month 0.70%
LTV 75%
Rate per month 0.75%
LTV 85%*
Rate per month 0.85%
LTV Rate per month
50% 0.50%
60% 0.60%
70% 0.70%
75% 0.75%
85%* 0.85%

*Lending for Refurbishment Costs

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Bridging & Light Refurbishment

Semi-Commercial (STL2)
LTV 50%
Rate per month 0.60%
LTV 60%
Rate per month 0.70%
LTV 70%
Rate per month 0.80%
LTV 75%
Rate per month 0.85%
LTV Rate per month
50% 0.60%
60% 0.70%
70% 0.80%
75% 0.85%

Bridging & Heavy Refurbishment

Commercial (STL3)
LTV 50%
Rate per month 0.80%
LTV 60%
Rate per month 0.90%
LTV 70%
Rate per month 1.00%
LTV Rate per month
50% 0.80%
60% 0.90%
70% 1.00%

Bridging & Heavy Refurbishment

Residential Heavy Refurbishment (HR1)
LTV 50%
Rate per month 0.60%
LTV 60%
Rate per month 0.70%
LTV 70%
Rate per month 0.80%
LTV 75%
Rate per month 0.85%
LTV Rate per month
50% 0.60%
60% 0.70%
70% 0.80%
75% 0.85%

Bridging & Heavy Refurbishment

Commercial & Semi-Commercial Heavy Refurbishment (HR2)
LTV 50%
Rate per month 0.90%
LTV 60%
Rate per month 1.00%
LTV 70%
Rate per month 1.10%
LTV Rate per month
50% 0.90%
60% 1.00%
70% 1.10%

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

We’re in it for the long haul.

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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