OUR Divsions

Savings

The savings team support the lending businesses by raising retail deposits that are then lent to British based individuals and business customers.

We provide bond deposits for terms of up to five years, ISAs, easy access savings and notice accounts, all sourced from personal retail depositors and business, trust and charity customers. 

Our in-house team is proud to offer simple and straightforward savings products with transparent pricing for both existing and new customers.  We aim to provide a personal service and  our dedicated team have achieved 94% customer satisfaction rating in 2015 and a savings Net Promoter Score, (NPS), of +47. 

We have developed a reputation for offering competitive products and a good service; a testament to this approach has been in winning the Moneyfacts Best Notice Account Provider, which we have held for four consecutive years, Best Fixed Rate Provider and the Highly Commended award for Best Bank Savings Provider.

Asset Finance

The asset finance division is an experienced provider of hire purchase and leasing to British SMEs and the healthcare sector. It comprises a number of specialist teams within the division that service corporate asset, taxi finance, block discounting and healthcare finance.

Within these divisions, we finance a variety of equipment, from commercial vehicles, cars, recovery vehicles, machinery, aircrafts, taxis, buses and coaches as well as plant and machinery, waste and recycling, agricultural, marine and medical equipment.

The business unit also introduced a structured finance division in July 2013. Headed by an expert team, our structured finance division offers revolving credit facilities to smaller financial institutions with a focus on fast processing and flexible decision making.

Our experienced healthcare team specialises in medical equipment finance, working with over 70% of NHS trusts and many private hospitals. As an approved supplier to the NHS Supply Leasing Framework, the dedicated team understand the need to ensure an effective and efficient procurement service.

The healthcare division also has a team working solely with specialist healthcare brokers to arrange finance for dentists, doctors, veterinarians, private organisations and other medical professionals looking to set up their practices and acquire the medical equipment they need to run their businesses.

Commercial Mortgages

The Commercial Mortgages Division has a well-diversified product range serving property professionals in both residential and commercial investment markets, delivering short term funding options along with more traditional term mortgages.

Working in partnership with a tightly managed panel of accredited intermediaries, we provide loans to established landlords and property professionals as well as well-established SME owner-occupiers. 

Our product range is delivered through expert teams dedicated to each of our markets, using experience and judgement to make individual decisions, supported by the use of credit scoring tools as part of a rigorous underwriting process.

Our specialised knowledge, personalised approach and commitment to product innovation continues to earn industry accolades and ensures that the business can continue to grow in a sustainable and considered way.

Shawbrook has become a recognised name in the Commercial Mortgage market, the team differentiates itself by continuously introducing new products and processes, all delivered through a fast and efficient service. Our team is proud to have won a number of awards in 2015 from Bridging and Commercial as Commercial Lender of the Year, Business Moneyfacts as Best Commercial Mortgage Provider and Highly Commended in the Best Service from a Commercial Mortgage Provider category, and the NACFB as Most Innovative Lender of the Year and Buy to Let Lender of the Year.

Consumer Lending

Our specialist focus and deep understanding of the markets in which we operate, combined with our professional and innovative approach, support the delivery of our customer propositions. 

The Consumer Lending Division applies its  deep understanding of the markets in which it operates with the expertise of our teams of industry specialists to innovate and develop propositions that are designed to meet our customer’s needs and exceed their expectations. The Division benefits from market leading solutions; from advanced data and scoring techniques to E-signature tablet technology that allows customers to sign paperless financial agreements within their own homes. Such innovations are at the heart of our thinking to ensure we offer best in class customer experience. 

The Consumer Lending Division provides unsecured loans for:

Home Improvement: working with selected leading national and regional home improvement companies where the application takes place between the home improvement company and the customer in the comfort of the customers own home. 

Holiday Ownership: the business has an established reputation in this sub-sector, working with carefully chosen holiday ownership companies to offer customers holiday ownership finance in the UK and Europe 

Retail: working with in-store and online retailers, as well as dental clinics and veterinary practices, to tailor consumer finance packages closely with purpose.

Consumer Personal Loans: working with multiple brokers and intermediaries to reach customers as they change their preferences in deciding who to consider as their loan provider

Secured Lending

The Secured Lending Division works closely with it panel of broker partners to provide homeowner loans to personal customers for both residential and Buy-to-Let properties. These loans are used for many purposes; for home improvements, loan consolidation, school fees or for one off purchases such as a wedding or luxury holiday.

The division lends to creditworthy customers using a pragmatic and personal approach to both intermediaries and borrowers  , with the ability to  deliver customer solutions via appropriate and innovative products

The second mortgage market is poised to open up considerably as mortgage advisers become required to make customers aware of the benefits of second mortgages, which we believe will be seen later this year after the transitionary period. With its strong relationships and service proposition Shawbrook is well positioned to capitalise on these opportunities and strengthen its market leading position.

We are proud to have won a number of awards in 2015; Mortgage Strategy Best Secured Loans Lender, Moneyfacts Best Secured Loan provider and What Mortgage Best Secured Loans Lender.

Business Credit

Business Credit focuses on delivering event-driven invoice discounting and asset based lending transactions to companies with revenues of more than £1m.

The experience of our senior management team in structuring and delivering asset based lending and invoice discounting transactions sets us apart.

Our one-stop asset based lending solutions are ideally suited to businesses going through event driven change. Typically, our team competes against banks or large financial institutions where creativity, speed of decision-making and certainty of delivery make the difference.

At the core of the asset based finance facility is invoice discounting, which provides you with an immediate injection of cash and on-going working capital to create headroom for the business. Specific loan to
 values are attributed to stock, plant and machinery and property to create a total funding programme. With asset based finance, additional cash flow funding is available for those businesses with stronger EBITDA generation.

Visit our website to find out more:

Award SA Moneyfacts Fixed 2015
Award BC Credit Dealmakers ACQ
Award SL What Mortgage 2015