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Commercial Mortgages

Commercial Mortgage finance for a wide range of commercial investment property types.

Why Shawbrook?

Our team specialise in the more complex world of commercial mortgages, spending the time necessary to understand your specific investment plans. 

Considering growing your commercial investment portfolio, or moving into this space to help diversify your residential portfolio? Combining intuitive application systems for a quick initial decision with the expertise of our specialist team means we can consider everything from simple commercial transactions, to complex cases or large loans.

We don’t limit the number of investments that you can hold with us, and will consider a wide range of commercial property types including:

  • Semi-commercial and mixed-use
  • Retail units
  • Industrial units
  • Offices, including serviced offices that are multi-let on licenses

So if you’re an individual, LLP, limited company, ex-pat or trust, our Commercial Mortgages could be the finance you require to reach your property ambitions. 

Commercial Mortgage highlights

  • Rates from 6.34%
  • Loans from £150k to £35m
  • Interest-only loans available (subject to affordability)
  • Semi-Commercial Mortgages – up to 75% loan to value (LTV)
  • Commercial Mortgages – up to 65% loan to value (LTV)
  • Variable rates available*
  • 2, 3, 5 and 10 year fixed rates available
  • Loan terms from 3 to 25 years
  • Dedicated team offering a premium case management service for loans over £5 million

* Variable rates are inclusive of Shawbrook Base Rate. Shawbrook Base Rate (SBR) is subject to a minimum floor of 0.75%. Please note that the current Shawbrook Base Rate is 4.75% (as of 8 November 2024). 

Any property used as security, including your home, may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Tailored financial solutions for you

  • Multiple commercial properties on a single loan available
  • Interest-only, part repayment or full repayment available
  • Minimum personal guarantee of 25% of the loan amount
  • Various lease terms can be considered
  • We support buy-to-let landlords diversifying into commercial property alongside seasoned commercial property investors
  • For existing customers, we also offer a 0.25% discount on your arrangement fee for each subsequent mortgage that you take with us
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Grow your portfolio with Shawbrook

We can offer (subject to an underwriting assessment) a pre-approved credit limit with no threshold on the number of properties or accounts that you can hold with us. This means that you can confidently expand your property portfolio with us by your side.

We're here for larger loans

We understand the complexity of loans for larger assets and portfolios. That’s why our Structured Real Estate team offer a premium case management service for loans over £5 million, to ensure we get to the heart of your unique needs and deliver you a tailored solution to suit. They offer:

  • A dedicated Relationship Manager
  • One-on-one support
  • Tailored loan structuring
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Interested?

Contact us today, and with your consent, we will transfer you to one of our trusted mortgage broker partners. The broker will research the mortgage market and if Shawbrook has the best deal for you, they will not, in most circumstances, charge a broker fee**.

** This offer only applies to Shawbrook Buy-to-Let mortgages, commercial mortgages and bridging loans. In certain circumstances, such as cases involving complicated ownership structures like on/offshore trusts, or for ex-pat customers, a broker fee may apply given the level of work required.

Broker? We’ve got you covered

If you're a new or existing broker, head for our dedicated site where you'll find everything you need on our extensive property offering, and how to submit your cases to us.

Commercial Mortgages case studies

Spotlight on deals we’ve done that support property investors like you.

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Case Study

Commercial refinance helps landlord diversify portfolio

We recently supported a professional landlord with a refinance deal to purchase a semi-commercial property in North London.

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Case Study

Unique funding for purpose-built student accommodation in Durham

Three Tuns Development Ltd, a joint venture between two professional property developers, has secured funding on a large semi commercial asset, with backing from Shawbrook.

Useful information

Useful links to more information in case you’ve not quite found what you’re looking for.

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Contact us

If you have any questions about our products and services, you’ll find the right person to contact here.

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Help with our products

If you’re an existing customer, or need more information on our products, visit our help centre for support.

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News & case studies

News from across the property landscape and spotlights on deals we’ve done.

Insights Hub

The home of insights and trends in the property market, guides on how to build and diversify your portfolio, and information on planning and tax implications for professional landlords.

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Insights

Commercial property letting guide for professional landlords

Read our comprehensive guide on commercial property letting and understand how to get into commercial real estate investing. 

Explore Property Finance

New Tenants

Buy-to-Let Mortgages

Award-winning property finance to help you purchase a new investment, refinance an existing portfolio, or raise additional funds to grow your property business.

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Bridging Loans

Fast funding for when investment opportunities come knocking. Seen a property at auction to add to your portfolio, replace your existing development finance, or looking to renovate a property? A bridging loan could be the answer. 

Development Finance

Looking to develop land from the ground up or refurbish an existing building? Our team takes the time to fully understand the complexities of the build, providing reliable funding to ensure your development project goes from blueprint to reality.

Our business

About Shawbrook

Shawbrook provides finance to a wide range of customers who value the premium experience, flexibility and certainty we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

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Sustainability

Our sustainability strategy is designed to create value for our customers, colleagues, communities, suppliers and shareholders, while having a positive impact on society and the wider environment. 

Saracens sponsorship

As official banking partner of Saracens Rugby Club, we are proud to champion elite women’s sport by supporting the growth of both women’s rugby and netball as lead sponsor of the Mavericks.