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Unregulated Bridging Finance

Our award-winning unregulated bridging offering has been elevated with MyShawbrook Bridging.

  • Valuation-backed decisions
  • Instant integrated AVMs
  • Instant Heads of Terms
  • Rates from 0.40% pcm

Think Bridging. Think MyShawbrook.

Make an enquiry

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Faster Heads of Terms with MyShawbrook Bridging
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Best Short-Term Lender - Mortgage Strategy Awards 2021
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Specialist Lender of the Year - NACFB Awards 2021

Unregulated Bridging

Loans from £50k - £15m

Arrangement fee 1.95%
Applicable to all products listed.

Bridging & Light Refurbishment

Residential (STL1)
Enquire now

*Lending for Refurbishment Costs

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LTV 50%
Rate - loans under £1m 0.50%
Rate - loans over £1m 0.40%
LTV 60%
Rate - loans under £1m 0.60%
Rate - loans over £1m 0.50%
LTV 70%
Rate - loans under £1m 0.70%
Rate - loans over £1m 0.60%
LTV 75%
Rate - loans under £1m 0.75%
Rate - loans over £1m 0.65%
LTV 85%*
Rate - loans under £1m 0.85%
Rate - loans over £1m 0.75%
LTV Rate - loans under £1m Rate - loans over £1m
50% 0.50% 0.40%
60% 0.60% 0.50%
70% 0.70% 0.60%
75% 0.75% 0.65%
85%* 0.85% 0.75%

*Lending for Refurbishment Costs

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Bridging & Light Refurbishment

Semi-Commercial (STL2)
LTV 50%
Rate - loans under £1m 0.60%
Rate - loans over £1m 0.50%
LTV 60%
Rate - loans under £1m 0.70%
Rate - loans over £1m 0.60%
LTV 70%
Rate - loans under £1m 0.80%
Rate - loans over £1m 0.70%
LTV 75%
Rate - loans under £1m 0.85%
Rate - loans over £1m 0.75%
LTV Rate - loans under £1m Rate - loans over £1m
50% 0.60% 0.50%
60% 0.70% 0.60%
70% 0.80% 0.70%
75% 0.85% 0.75%

Bridging & Light Refurbishment

Commercial (STL3)
LTV 50%
Rate - loans under £1m 0.80%
Rate - loans over £1m 0.70%
LTV 60%
Rate - loans under £1m 0.90%
Rate - loans over £1m 0.80%
LTV 70%
Rate - loans under £1m 1.00%
Rate - loans over £1m 0.90%
LTV Rate - loans under £1m Rate - loans over £1m
50% 0.80% 0.70%
60% 0.90% 0.80%
70% 1.00% 0.90%

Bridging & Heavy Refurbishment

Residential Heavy Refurbishment (HR1)
LTV 50%
Rate - loans under £1m 0.60%
Rate - loans over £1m 0.50%
LTV 60%
Rate - loans under £1m 0.70%
Rate - loans over £1m 0.60%
LTV 70%
Rate - loans under £1m 0.80%
Rate - loans over £1m 0.70%
LTV 75%
Rate - loans under £1m 0.85%
Rate - loans over £1m 0.75%
LTV Rate - loans under £1m Rate - loans over £1m
50% 0.60% 0.50%
60% 0.70% 0.60%
70% 0.80% 0.70%
75% 0.85% 0.75%

Bridging & Heavy Refurbishment

Commercial & Semi-Commercial Heavy Refurbishment (HR2)
LTV 50%
Rate - loans under £1m 0.60%
Rate - loans over £1m 0.50%
LTV 60%
Rate - loans under £1m 0.70%
Rate - loans over £1m 0.60%
LTV 70%
Rate - loans under £1m 0.80%
Rate - loans over £1m 0.70%
LTV Rate - loans under £1m Rate - loans over £1m
50% 0.60% 0.50%
60% 0.70% 0.60%
70% 0.80% 0.70%

Unregulated Bridging Finance Lending Criteria

We pride ourselves on being transparent with our lending criteria, so you know where you stand when submitting a case to us.

If your client does not meet all conditions, applications may still be considered.

You can explore our new, fully interactive Buy-to-Let lending criteria or download as a PDF.

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

MyShawbrook Bridging in action

MyShawbrook Bridging helped us to secure a property at auction for a client.

Heads of Terms were issued, and solicitors and valuers instructed on the same day the application was submitted.

 

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Confronting the EPC Challenge.

From 2025, all newly rented properties may require an EPC rating of C or above due to proposed EPC regulations.

Can bridging be the funding solution to support your clients with these energy efficient improvements?

Read the full story and download the report

 

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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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