Structured Real Estate

We understand that your clients have ambitious goals that require large and complex loans. You need a lender who not only can deliver specialist finance solutions, but also understands the  importance of clear and consistent communication.

Our expert team, with a wealth of experience in tailored loan structuring, is committed to delivering a premium case management  service. Each case will benefit from a dedicated Relationship Manager, who will work closely with our internal teams to ensure the  complexities of the case are understood.

From initial enquiry to completion, we will be with you every step of the way, getting you and your clients the updates you need, when you need them. 

Available for Buy-to-Let and Commercial mortgages over £5m and Bridging loans over £2.5m

Key Features

We aim to do large loans differently. Choose a lender who understands the importance delivering a personal service to you and your highest value clients. 

Our Structured Real Estate offering provides:

  • Tailored loan structuring
  • Maximum loan size of £35m
  • Dedicated Relationship Manager
  • Dedicated Portfolio Manager for cases over £10m
  • Daily meeting to discuss new applications with key decision makers
  • Supporting portfolio incorporations
  • Premium case management service
  • For Buy-to-Let, Commercial and Bridging loans

The communication between all parties was very refreshing, with Shawbrook comfortable to pick up the telephone and talk through the conditions regularly a valuable skill which was paramount to the success of this case.

Simon Mullens Regional Director at ASC Finance for Business

Meet the team

Our expert team are looking forward to discussing your needs. 

Photo of Piragash

Piragash Sivanesan

Photo of Karan

Karan Doshi

Tirath

Tirath Singh

Structured Real Estate Products

Designed specifically for larger, more complex deals. 

Standard rates are listed below. However, we can consider bespoke pricing both for simpler transactions at lower pricing or more complex, bespoke or time-sensitive transactions at higher pricing. 

Download Product Guide

Structured Real Estate - Complex Limited Edition

  • Arrangement fee 5%
  • Premium case management services
£5m - £35m
65% Max LTV
70% Max LTV
75% Max LTV
2 Year Fixed
5.04%
5.14%
-
5 Year Fixed
5.69%
-
5.79%
£5m - £35m
Max LTV
65%
70%
2 Year Fixed
5.04%
5.14%
5 Year Fixed
5.69%
-
Max LTV
75%
2 Year Fixed
-
5 Year Fixed
5.79%

Structured Real Estate - Complex Buy-to-Let

  • Arrangement fee 3%
  • Premium case management service
£5m - £35m
65% Max LTV
75% Max LTV
Variable
7.60%
7.80%
2 Year Fixed
5.99%
6.14%
3 Year Fixed
6.04%
6.19%
5 Year Fixed
6.14%
6.29%
10 Year Fixed
6.14%
6.29%
£5m - £35m
Max LTV
65%
75%
Variable
7.60%
7.80%
2 Year Fixed
5.99%
6.14%
3 Year Fixed
6.04%
6.19%
5 Year Fixed
6.14%
6.29%
10 Year Fixed
6.14%
6.29%

Structured 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
8.89%
9.59%
2 Year Fixed
7.24%
7.39%
3 Year Fixed
7.24%
7.39%
5 Year Fixed
7.24%
7.39%
10 Year Fixed
7.24%
7.39%
£5m - £35m
Max LTV
65%
75%*
Variable
8.89%
9.59%
2 Year Fixed
7.24%
7.39%
3 Year Fixed
7.24%
7.39%
5 Year Fixed
7.24%
7.39%
10 Year Fixed
7.24%
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
7.65%
7.90%
2 Year Fixed
6.34%
6.44%
3 Year Fixed
6.34%
6.44%
5 Year Fixed
6.34%
6.44%
10 Year Fixed
6.34%
6.44%
£5m - £35m
Max LTV
65%
75%
Variable
7.65%
7.90%
2 Year Fixed
6.34%
6.44%
3 Year Fixed
6.34%
6.44%
5 Year Fixed
6.34%
6.44%
10 Year Fixed
6.34%
6.44%

Structured Bridging Loans

  • Loans from £2.5m £25m
  • LTV up to 85%
Residential
65% Max LTV
75% Max LTV
Including light refurbishment
0.79%
0.79%
For heavy refurbishment
0.89%
0.89%
Residential
Max LTV
65%
75%
Including light refurbishment
0.79%
0.79%
For heavy refurbishment
0.89%
0.89%
Semi-Commercial
60% Max LTV
65% Max LTV
70% Max LTV
75% Max LTV
Including light refurbishment
-
0.84%
-
0.89%
For heavy refurbishment
0.89%
-
0.99%
-
Semi-Commercial
Max LTV
60%
65%
Including light refurbishment
-
0.84%
For heavy refurbishment
0.89%
-
Max LTV
70%
75%
Including light refurbishment
-
0.89%
For heavy refurbishment
0.99%
-
Commercial
60% Max LTV
70% Max LTV
Including light refurbishment
0.89%
0.99%
For heavy refurbishment
0.89%
0.99%
Commercial
Max LTV
60%
70%
Including light refurbishment
0.89%
0.99%
For heavy refurbishment
0.89%
0.99%

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.

Join our broker panel

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

Structured Real Estate case studies

Want to read more about how our Structured Real Estate team have successfully delivered
tailored funding solutions to clients like yours?

Modern High Rise Residential Apartment
Case Study

Bespoke £9m investment facility delivered for large multi-unit freehold block

Supporting an experienced investor with a structured investment facility that included a £5m Buy-to-Let mortgage and £3.9m Development Exit loan.

Drone view of Media city Salford quays, Manchester
Case Study

Bespoke £29.6m Structured Real Estate finance completes in exceptional timeframe

Tailored Structured Real Estate finance deal completes in just six weeks, supporting the transformation of office spaces into 151 residential units in Salford's Media City

Useful information

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

Contact Us

Contact us

If you need to get in touch with our team, you’ll find the right person here

News

News & case studies

News and views from across the property landscape & Spotlights on deals we’ve done

Documents

Property Finance documents

Download the latest product guide, lending criteria, research and more  in our documents section

What we can offer your clients

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Buy-to-Let Mortgages

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

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Commercial Mortgages

Our expert team make light work of complex commercial property cases. They can support your clients to invest in a new property, refinance an existing portfolio or raise additional funds for further investment opportunities. 

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Development Finance

Is your client planning a new build or refurbishment project? Our expert team is dedicated to building a detailed understanding of their project, providing bespoke finance tailored specifically to their funding needs. You can count on us to be by your side all the way to completion. 

Our business

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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

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