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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NACFB’s Short Term Lender of the Year 2019

Product Highlights

  • Rates from 0.55% 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

Criteria at a glance

Age Minimum age of 21 years and no older than 80 years at the end of the mortgage.
Customer Type
Individuals, LLPs, Limited Companies, PLCs, Trusts, SIPPs & Expats.
Location England, Wales & Scotland.

None required for residential and semi-commercial property where no works are being completed.

If borrowing for refurbishment costs, applicants should have completed a similar scale project within the last 5 years

If fully commercial property, we need evidence of managing similar property

Credit Status

No unsatisfied CCJs in the last 24 months. Recently satisfied  and large historic (>£5k) CCJs considered by exception.

No mortgage, secured or tenancy arrears in the last 12 months.

We have recently published our full Bridging lending criteria guide for complete transparency on our lending requirements.

Download our Bridging Lending Criteria

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.

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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