Shawbrook Bank
Specialist LenderShawbrook Bank is a specialist lender offering bridging finance, commercial mortgages, development funding, and buy-to-let products. Known for pragmatic underwriting and speed of execution, Shawbrook serves experienced property investors and developers through intermediary partners across the UK.
About Shawbrook Bank
Shawbrook Bank was launched in 2011 as a specialist lender focused on underserved segments of the UK market. The bank gained its full banking licence and has grown to become one of the UK's leading specialist lenders. Shawbrook is headquartered in Brentwood and serves property investors and developers through intermediary partners across the UK.
Shawbrook offers bridging finance, commercial mortgages, development funding, and buy-to-let products. The bank is known for pragmatic underwriting and speed of execution, with a dedicated underwriter assigned to each case. Shawbrook provides both regulated and unregulated bridging, covering owner-occupied and investment properties.
Shawbrook also has a dedicated purpose-built student accommodation (PBSA) development-finance product for professional developers of student blocks, typically from £1 million to £30 million. That facility is for PBSA schemes, not HMO mortgages on converted student houses.
Shawbrook Bank is broker-only and works with property finance intermediaries. The bank has strong institutional backing and uses balance-sheet lending. Shawbrook is regulated by the FCA and PRA and has built a reputation for reliability in the specialist finance market.
Lending Focus
Shawbrook Bank offers mortgage products across 5 categories including Buy-to-Let, Commercial, Bridging and 2 more.
Key Features
- Bridging loans from £50k to £15m
- Regulated and unregulated bridging available
- Dedicated underwriter assigned to each case
- Development finance with staged drawdowns
- PBSA development finance for purpose-built student blocks (£1m–£30m)
Pros & Cons
Pros
- Wide product range covering bridging, BTL, commercial, and development
- Dedicated underwriter assigned to every case
- Strong institutional backing with balance-sheet lending
- Regulated and unregulated bridging options available
Cons
- –Broker-only — no direct-to-consumer access
- –Minimum loan size of £50k may exclude smaller deals
- –Not suitable for adverse credit borrowers
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — quoted at application stage
- Early Repayment Charge
- No ERC on most bridging products — interest charged on the full term or a minimum period
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Shawbrook Bank
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
What is the minimum bridging loan amount from Shawbrook?
Shawbrook offers bridging loans starting from £50,000, going up to £15 million for larger transactions.
Does Shawbrook offer regulated bridging loans?
Yes, Shawbrook provides both regulated and unregulated bridging finance, covering owner-occupied and investment properties.
Can I apply for a Shawbrook bridging loan directly?
No, Shawbrook is a broker-only lender. You will need to apply through a qualified mortgage intermediary.
How quickly can Shawbrook complete a bridging loan?
Shawbrook aims for rapid completions, typically within 2 to 4 weeks depending on case complexity and valuation turnaround.
Does Shawbrook lend on purpose-built student accommodation (PBSA)?
Yes. Shawbrook has a dedicated student accommodation development-finance product for purpose-built student blocks, typically from £1 million to £30 million. That is distinct from HMO mortgages on converted student houses.
How to Apply
Broker only. Shawbrook Bank products are available through mortgage brokers. Find a broker with Shawbrook Bank on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Octopus Real Estate | Buy-to-Let, Commercial, Bridging+3 | Specialist | 75% |
| Together Money | Residential, Buy-to-Let, Commercial+3 | Specialist | 80% |
| Hampshire Trust Bank | Buy-to-Let, Commercial, Bridging+1 | Specialist | 80% |
| Paragon Bank | Buy-to-Let, Commercial, Development+2 | Specialist | 80% |
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