Bridging Loans

Flexible short-term finance to help clients secure, refurbish or refinance property opportunities.

  • Loans from £50k to £25m, with terms up to 24 months
  • Up to 90% LTV available, including refurbishment funding for eligible cases
  • Instant AIPs and no early repayment charges
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Why Shawbrook?

When property investment opportunities come knocking, like at auction, your client may want access to finance – and quickly. 
Our intuitive application system allows you to receive an instant application in principle (AIP) for your client, while our practical bridging loans are designed for the needs of professional investors:

  • Interest can be rolled up or paid monthly
  • No early repayment charges
  • Most property types are accepted, including complex residential or commercial

If your client is converting a property into a HMO, refurbishing a property for a quick sale or to rent, we have the bridging loans to support their journey. 

Supporting brokers at every step

Log in to access your broker portal, use our calculators to get a quote or find out more about working with us and how to register or submit business.

Bridging Highlights

Rates from 0.69% per month

Loan sizes from £50k - £25m

Up to 90% LTV

  • Term up to 24 months
  • No minimum term or interest period
  • Fixed rates and fees
  • No minimum income requirement
  • Dedicated team offering a premium case management service for loans over £2.5m

Lending for refurbishment costs

Your clients can access all their funds upfront for light refurbishment works on residential property (up to 90% LTV) with our Lending for Refurbishment Costs product that can be added to their bridging loan.

Maximum loan size is £1m.

Structured Real Estate

Our Structured Real Estate team offer a premium 1-2-1 case management service specifically for loans between £2.5m - £25m. 

With the ability to structure the funding package around your client’s unique needs, they deliver a personalised experience for the larger, complex deals.

    Guides & Criteria

    Product guide

    Download our product guide for product details, applicable rates, fees, charges and Broker Partner commissions.

    Bridging lending criteria

    Short-term funding still starts with clear criteria. See how your client’s case fits ours before you submit. Download our lending criteria here.

    Not every client will meet every condition, but applications may still be considered.

    Bridging Loans case studies

      Spotlight on deals we’ve done that support clients like yours 

      A pink house by the sea, viewed over a foreground of flowering yellow gorse bushes.
      Case Study

      Bridging finance supports an existing customer’s next property purchase in Bexhill-on-Sea

      Our Bridging Finance team provided a £271k facility for Vitae Investments Ltd, enabling the business to release equity and secure the deposit for its next property purchase.

      3 People Talking About Construction
      Case Study

      Expert team deliver Bridging loan in just four working days

      We supported experienced investor Milliard Homes with a bridging loan in just four days to meet customer’s tight deadline.

      Businessman Working In A New Office
      Case Study

      Fast refinance to support auction acquisition

      Shawbrook provided an unregulated bridging loan to support a client seeking to raise funds to swiftly capitalise on a promising investment opportunity at auction.

      What we can offer your clients

      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.

      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. 

      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. 

      Useful information

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

      Contact us

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

      News & case studies

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

      Insights hub

      Helping you and your clients put the 'PRO' in property and stay ahead of the pack. Help with building portfolios, planning, tax and more.