Shawbrook Bank Bridging Rates - October 2026
Shawbrook Bank is one of the UK's most established specialist lenders, with particular strength in commercial, semi-commercial and larger loan bridging. The rates below reflect current indicative pricing as at October 2026. All rates are subject to underwriting, valuation and credit approval.
| Product / LTV Band | Rate from (per month) | Typical Use Case | Arrangement Fee | Max Term |
|---|---|---|---|---|
| Prime Residential 1st Charge - up to 65% LTV | 0.50%/mo | Clean residential purchase or refinance, strong exit | 1.5–2% | 24 months |
| Standard Residential 1st Charge - 65–75% LTV | 0.59%/mo | Higher LTV residential bridge, chain break | 1.5–2% | 24 months |
| Commercial / Semi-Commercial - up to 65% LTV | 0.65%/mo | Retail, office, industrial, mixed-use acquisition | 2% | 24 months |
| Heavy Refurb / Development Exit | 0.75%/mo | Structural works, development exit refinance | 2% | 24 months |
| 2nd Charge Bridging | 0.90%/mo | Capital raising against existing property | 2% | 24 months |
| Complex / Large Loan (negotiated terms) | From 0.50%/mo | £5m+ transactions, portfolio deals | Negotiable | Up to 36 months |
Maximum loan: £25 million. Maximum residential LTV: 75%. Maximum commercial LTV: 70%. Rates are indicative only. Arrangement fee added to loan or paid upfront. All lending subject to underwriting, valuation and credit approval.
How Shawbrook Rates Compare to the Market
Shawbrook sits in the competitive tier for residential bridging and leads the market on large commercial deals. Here's how their pricing compares to typical market rates for October 2026.
| Product | Shawbrook Rate | Typical Market Range | Verdict |
|---|---|---|---|
| Residential 1st Charge (to 65% LTV) | From 0.50%/mo | 0.50–0.65%/mo | Market-leading |
| Residential 1st Charge (65–75% LTV) | From 0.59%/mo | 0.59–0.75%/mo | Competitive |
| Commercial / Semi-Commercial | From 0.65%/mo | 0.65–0.95%/mo | Strong - especially £1m+ |
| Development Exit | From 0.75%/mo | 0.70–0.90%/mo | Competitive |
| 2nd Charge | From 0.90%/mo | 0.85–1.10%/mo | In line with market |
| Max Loan Size | £25m | Most lenders: £2–5m | Significantly above average |
Key Features of Shawbrook Bridging Finance
Loan Size
Maximum £25 million - among the highest in the UK specialist lending market. Their sweet spot is £1m–£25m, where their underwriting adds real value.
Commercial Strength
One of the market's most active and experienced lenders on commercial, semi-commercial and mixed-use property - up to 65% LTV from 0.65%/mo.
HMOs & MUFBs
Shawbrook will lend on Houses in Multiple Occupation and Multi-Unit Freehold Blocks - asset types many lenders decline outright.
Development Exit
A recognised specialist in development exit finance, with experienced credit teams who understand completed unit scenarios and sales-based repayments.
Non-Standard Property
Considered approach to non-standard construction and complex title - genuinely useful when other lenders have said no.
Term Flexibility
Standard maximum of 24 months, extendable to 36 months on suitably complex transactions where the exit timeline justifies it.
Is Shawbrook Right for Your Deal?
Shawbrook tends to win when…
- The loan is above £1 million - their underwriting is built for larger transactions
- The security is commercial, semi-commercial or mixed-use
- You need a development exit lender who understands complex sales scenarios
- The property is an HMO, MUFB or non-standard construction that other lenders have declined
- You need a 24-month term with room to extend on a complex case
- Rate is important but underwriting quality matters as much
Shawbrook may not be the best fit when…
- You need completion in under two weeks - faster lenders exist for clean cases
- The loan is below £200k - Shawbrook isn't optimised for very small bridging
- You need 75%+ LTV on commercial property
- The exit is unproven or speculative - they want a credible, demonstrated repayment route
- The case is regulated bridging under the Consumer Credit Act - not their primary market