Owner-occupied trading businesses 

Flexible commercial mortgage options

We have a long history of helping customers looking to purchase or refinance business property, and we know that flexibility is an essential ingredient in getting a business mortgage that’s right for you. With loans from £150k to £2.5m and terms from 10 to 20 years, we can consider a wide range of business premises as security.

We take a pragmatic approach when assessing a loan application. Our lending managers rely on the business valuation as well as accounting information to assess affordability. And we can help you borrow in your personal name, or as a partnership, LLP or limited company.

Tell us about your circumstances

Owner-occupied trading businesses
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Loans from £150,000 to £2,500,000
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Up to 75% loan to value (LTV)

All kinds of businesses

We have a suite of products specifically designed for small owner-occupied businesses in the leisure, retail, light industrial and pub sectors, and will happily consider the following security;
Retail units

    • Offices
    • Modern industrial units
    • Garages
    • Restaurants
    • Cafés
    • Hotels
    • Public houses
All kinds of businesses

0.25% Discount

Building long-term relationships

Like our approach to lending, we are committed to sustainable relationships. That’s why we offer existing Shawbrook customers a 0.25% discount on your rate margin OR your 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

Look 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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