Commercial Mortgages

Commercial mortgage finance for professional property investors and landlords.

Why Shawbrook?

In the more complex world of commercial mortgages, our team of commercial property specialists spend the time to understand your client’s specific investment plans.

Are they considering growing their commercial investment portfolio, or moving into this space to diversify their residential portfolio? Combining intuitive application systems for a quick initial decision and our team’s expertise means we can consider everything from simple commercial transactions to larger complex loans.

We don’t limit the number of investments held 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 your client is an individual, LLP, limited company, ex-pat or trust, our Commercial Mortgages could be the finance required to support them on their property journey.

Commercial Mortgage highlights

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

* 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 5.25% (as of 4 August 2023).

Larger loans

Our Structured Real Estate team offer a premium 1-2-1 case management service and pricing specifically for loans between £5m - £35m. With the ability to structure the funding package around your client’s unique needs, they deliver a personalised experience for the larger, complex deals.

Structured Commercial & Semi-Commercial Mortgages

Designed specifically for larger, complex deals

Download Product Guide

Structured Commercial Mortgages

Arrangement fee 3%
Loan to value based on vacant possession
Premium case management service

£5m - £35m

65% Max LTV

Variable

9.64%

2 Year Fixed

7.44%

3 Year Fixed

7.39%

5 Year Fixed

7.24%

10 Year Fixed

7.24%

Max LTV

65%

Variable

9.64%

2 Year Fixed

7.44%

3 Year Fixed

7.39%

5 Year Fixed

7.24%

10 Year Fixed

7.24%

Structured Commercial Mortgages for industrial properties

Arrangement fee 3%
Loan to value based on vacant possession
Premium case management service

£5m - £35m

75% Max LTV

Variable

10.34%

2 Year Fixed

7.59%

3 Year Fixed

7.54%

5 Year Fixed

7.39%

10 Year Fixed

7.39%

Max LTV

75%

Variable

10.34%

2 Year Fixed

7.59%

3 Year Fixed

7.54%

5 Year Fixed

7.39%

10 Year Fixed

7.39%

Structured Semi-Commercial Mortgages

Arrangement fee 3%
Loan to value based on vacant possession
Premium case management service

£5m - £35m

65% Max LTV

75% Max LTV

Variable

8.40%

8.65%

2 Year Fixed

6.54%

6.64%

3 Year Fixed

6.49%

6.59%

5 Year Fixed

6.34%

6.44%

10 Year Fixed

6.34%

6.44%

Max LTV

65%

75%

Variable

8.40%

8.65%

2 Year Fixed

6.54%

6.64%

3 Year Fixed

6.49%

6.59%

5 Year Fixed

6.34%

6.44%

10 Year Fixed

6.34%

6.44%

Commercial and Semi-Commercial Mortgages

Download Product Guide

Commercial Mortgages

Arrangement fee 3%
Loan to value based on vacant possession

£1m - £4,999,999

65% Max LTV

Variable

9.64%

2 Year Fixed

7.64%

3 Year Fixed

7.59%

5 Year Fixed

7.44%

10 Year Fixed

7.44%

Max LTV

65%

Variable

9.64%

2 Year Fixed

7.64%

3 Year Fixed

7.59%

5 Year Fixed

7.44%

10 Year Fixed

7.44%

£250,000 - £999,999

65% Max LTV

Variable

9.84%

2 Year Fixed

7.94%

3 Year Fixed

7.89%

5 Year Fixed

7.74%

10 Year Fixed

7.79%

Max LTV

65%

Variable

9.84%

2 Year Fixed

7.94%

3 Year Fixed

7.89%

5 Year Fixed

7.74%

10 Year Fixed

7.79%

£150,000 - £249,999

65% Max LTV

Variable

10.54%

2 Year Fixed

7.99%

3 Year Fixed

7.94%

5 Year Fixed

7.79%

10 Year Fixed

7.79%

Max LTV

65%

Variable

10.54%

2 Year Fixed

7.99%

3 Year Fixed

7.94%

5 Year Fixed

7.79%

10 Year Fixed

7.79%

Commercial Mortgages for industrial properties only

Arrangement fee 3%
Loan to value based on vacant possession

£1m - £4,999,999

75% Max LTV

Variable

10.34%

2 Year Fixed

7.79%

3 Year Fixed

7.74%

5 Year Fixed

7.59%

10 Year Fixed

7.59%

Max LTV

75%

Variable

10.34%

2 Year Fixed

7.79%

3 Year Fixed

7.74%

5 Year Fixed

7.59%

10 Year Fixed

7.59%

£250,000 - £999,999

65% Max LTV

Variable

9.84%

2 Year Fixed

7.94%

3 Year Fixed

7.89%

5 Year Fixed

7.74%

10 Year Fixed

7.79%

Max LTV

65%

Variable

9.84%

2 Year Fixed

7.94%

3 Year Fixed

7.89%

5 Year Fixed

7.74%

10 Year Fixed

7.79%

£150,000 - £249,999

65% Max LTV

Variable

10.54%

2 Year Fixed

7.99%

3 Year Fixed

7.94%

5 Year Fixed

7.79%

10 Year Fixed

7.79%

Max LTV

65%

Variable

10.54%

2 Year Fixed

7.99%

3 Year Fixed

7.94%

5 Year Fixed

7.79%

10 Year Fixed

7.79%

Semi-Commercial Mortgages

Arrangement fee 3%
Loan to value based on vacant possession

£1m - £4,999,999

65% Max LTV

75% Max LTV

Variable

8.40%

8.65

2 Year Fixed

6.69%

6.79%

3 Year Fixed

6.64%

6.74%

5 Year Fixed

6.49%

6.59%

10 Year Fixed

6.49%

6.59%

Max LTV

65%

75%

Variable

8.40%

8.65

2 Year Fixed

6.69%

6.79%

3 Year Fixed

6.64%

6.74%

5 Year Fixed

6.49%

6.59%

10 Year Fixed

6.49%

6.59%

£250,000 - £999,999

65% Max LTV

75% Max LTV

Variable

8.65%

8.90%

2 Year Fixed

7.29%

7.44%

3 Year Fixed

7.24%

7.39%

5 Year Fixed

7.09%

7.24%

10 Year Fixed

7.09%

7.24%

Max LTV

65%

75%

Variable

8.65%

8.90%

2 Year Fixed

7.29%

7.44%

3 Year Fixed

7.24%

7.39%

5 Year Fixed

7.09%

7.24%

10 Year Fixed

7.09%

7.24%

£150,000 - £249,999

65% Max LTV

75% Max LTV

Variable

9.75%

10.25%

2 Year Fixed

7.34%

7.49

3 Year Fixed

7.29%

7.44%

5 Year Fixed

7.14%

7.29%

10 Year Fixed

7.14%

7.29%

Max LTV

65%

75%

Variable

9.75%

10.25%

2 Year Fixed

7.34%

7.49

3 Year Fixed

7.29%

7.44%

5 Year Fixed

7.14%

7.29%

10 Year Fixed

7.14%

7.29%

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

Find out about working with Shawbrook Make an enquiry

Commercial Mortgage 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 Commercial Mortgage 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