Bridging Loans

Fast funding through unregulated bridging loans to support professional landlords

Why Shawbrook?

When property investment opportunities come knocking, like at auction, your client may want access to finance – and quickly.
Our intuitive application system allows you to receive an instant application in principle (AIP) for your client, while our practical bridging loans are designed for the needs of professional investors:

Interest can be rolled up or paid monthly
No early repayment charges
Most property types are accepted, including complex residential or commercial

If your client is converting a property into a HMO, refurbishing a property for a quick sale or to rent, we have the bridging loans to support their journey.

Bridging highlights

Rates from 0.69% per month
Loans from £50k - £25m
Up to 85% LTV
Term up to 24 months
No minimum term or interest period
Fixed rates and fees
No minimum income requirement
Dedicated team offering a premium case management service for loans over £2.5m

Larger loans

Our Structured Real Estate team offer a premium 1-2-1 case management service specifically for loans between £2.5m - £25m.

With the ability to structure the funding package around your client’s unique needs, they deliver a personalised experience for the larger, complex deals.

Compare rates

Lending for refurbishment costs

Your clients can access all their funds upfront for light refurbishment works on residential property (up to 85% LTV) with our Lending for Refurbishment Costs product that can be added to their bridging loan.

Maximum loan size is £1m.

Bridging Loans

Loans from £50k - £25m
LTV up to 85%*
Rates also applicable for Structured Bridging Loans over £2.5m

Download Product Guide

Residential

65% Max LTV

75% Max LTV

85%* Max LTV

Including light refurbishment

0.69%

0.79%

0.94%

For heavy refurbishment

0.89%

0.99%

Max LTV

65%

75%

Including light refurbishment

0.69%

0.79%

For heavy refurbishment

0.89%

0.99%

Max LTV

85%*

Including light refurbishment

0.94%

For heavy refurbishment

* Lending for refurbishment costs
Maximum loan size of £1m. 75.01 - 85% LTV lending for refurbishment costs only. Up to 100% of the refurbishment costs can be funded but the total loan cannot exceed 85% of the day one purchase price/value or 65% of the post works value (whichever is lower).

Semi-Commercial

60% Max LTV

65% Max LTV

70% Max LTV

75% Max LTV

Including light refurbishment

0.84%

0.94%

For heavy refurbishment

0.89%

0.99%

Max LTV

60%

65%

Including light refurbishment

0.84%

For heavy refurbishment

0.89%

Max LTV

70%

75%

Including light refurbishment

0.94%

For heavy refurbishment

0.99%

Commercial

60% Max LTV

70% Max LTV

Including light refurbishment

0.94%

0.99%

For heavy refurbishment

0.89%

0.99%

Max LTV

60%

70%

Including light refurbishment

0.94%

0.99%

For heavy refurbishment

0.89%

0.99%

Join our broker panel

Looking to submit business to us but not part of our broker panel?

Find out about working with Shawbrook Make an enquiry

Bridging lending criteria

We’re transparent with our lending criteria, so you know where you stand when submitting a case to us. Explore or download our lending criteria.

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

Download Bridging lending criteria

For existing customers

We have several options for our existing mortgage customers looking to stay with us for the next chapter of their property journey:

Switch & Fix – when your customers wish to switch from an expiring fixed rate to a new fixed rate, within their contractual term with us.
Product Switch – for end of term extensions.
Refinance – when customers want to make changes to the deal or raise capital.

Download Switch & Fix lending criteria Download Broker Guidance for Switch & Fix