Short term and refurbishment finance

Helping you make the most of opportunity

In the property business, it often pays to grab a great opportunity when you see it - and that can require fast, flexible access to funds.

Short-term finance could allow you to refurbish a property for a quick turnaround, or replace your current development finance while you’re waiting to sell. The dedicated short-term lending team at Shawbrook Bank can help you maximise your returns.

Tell us about your circumstances

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Winner of Bridging & Commercial’s “Specialist Bank of the Year 2017”
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Get a feel for the 2018 BTL market
Mr Geoff Knight, Joy International
“In today's market you need a bank that can keep up with the demands placed upon its customers. Shawbrook understands these demands and removes a lot of the stress that comes with refinancing on a scale that the high street banks cannot match.”

What can I do with short term property finance?

We provide tactical short term funding solutions to the professional investor, landlord and SME community where you are looking to;

  • Add value by refurbishing for sale or rental
  • Raise finance to purchase additional properties
  • Replace existing development finance while waiting to sell

Unlike many lenders, we don’t restrict the number of properties held by an individual or within a limited company. And we don’t insist on you having a minimum income generated outside of your property portfolio.

What Can I do?
Supporting your business:
Individuals, LLPs, Limited companies, Ex-pats, Trusts, Offshore Limited Companies

Our short term mortgages benefits

A unique approach

    • Rates from 0.43% per month
    • Loans from £50k to £15m
    • Up to 75% loan to value (LTV) with loan terms up to 24 months
    • No minimum term or minimum interest period
    • No early repayment charges
    • HMOs, Multi-lets and student accommodation
    • Finance available for expats
    • Access 100% of the refurbishment costs of your short term projects

Our innovative new “Lending for Refurbishment Costs” product add-on supports with the goal of adding value to property and building portfolios. Applicants may borrow 75% against the lower of Day 1 purchase price OR value, with all funds being advanced on Day 1.

Benefits

0.25%

Building long-term relationships

We are committed to building relationships that support a sustainable future. That’s why we offer existing Shawbrook customers a 0.25% discount on their rate margin OR their arrangement fee for any subsequent mortgage with us.*

*On our Residential products, this discount is available up to a loan size of £750,000

In it for the long term

Looking for a personal mortgage?

In addition to business property finance, we offer an innovative range of residential mortgage products. If that’s what you’re looking for, please visit our personal mortgage pages.


The Shawbrook Bank personal mortgages range

Second charge mortgages (secured loans)


Mortgages for people over 55


Bridging finance

Looking for a personal mortgage?

A national network of professional intermediaries

Our mortgage products are available via a network of independent brokers - professional intermediaries whose job is to suggest the mortgage that’s best for you, and who can recommend products from any provider.

Although your application must be packaged and presented by an approved Shawbrook broker partner, we are happy to give you information about our products through this website, explain our products over the phone, or answer queries via email. So please feel free to get in touch.

Tell us about your circumstances

Any property used as security, including your home, may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Our commercial mortgages are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

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