Shawbrook Bank Berth Finance - Indicative Rates October 2026
| Scenario | APR Range | Max Term | Max LTV | Min Loan |
|---|---|---|---|---|
| Strong credit, low LTV berth purchase | 6.8%–8.3% | 10 years | 70% | £50,000 |
| Standard berth purchase | 8.3%–9.8% | 10 years | 65% | £50,000 |
| Complex ownership / older berth | 9.8%–10.9% | 7 years | 60% | £50,000 |
Rates are indicative for October 2026. Actual terms depend on berth type, marina, applicant profile and loan-to-value. Speak to us for a personalised illustration.
Shawbrook Bank Berth Finance - What You Need to Know
Shawbrook Bank is a well-established specialist lender with a strong track record in commercial and semi-commercial property finance. While not a dedicated marine lender, Shawbrook treats marina berths as a niche property asset and applies its commercial mortgage framework accordingly.
For buyers with clean credit purchasing freehold or long-leasehold berths at reputable marinas, Shawbrook is a competitive option. Rates from 6.8% APR reflect their position as a mainstream specialist lender - tighter than Together on pricing, but narrower in appetite for complex title structures.
Shawbrook will lend up to 70% LTV over 10 years, with a minimum loan of £50,000. They prefer established marinas with recognised valuers and will typically require a formal RICS valuation. Limited company applications are accepted and structured efficiently through Shawbrook's specialist team.
The 10-year cap on term is Shawbrook's main limitation for berth finance - buyers seeking 15-year amortisation to minimise monthly repayments will need to look at Together or Pegasus. But for a straightforward freehold berth purchase by a creditworthy individual or company, Shawbrook delivers reliable, competitive terms.
Doulton Bridging Finance works with Shawbrook's specialist property team and can package a berth finance case for submission efficiently, including negotiating on rate where borrower profile warrants it.
Strengths
- Competitive rates from 6.8% APR
- Limited company structures accepted
- Established specialist property team
- Clean, reliable underwriting process
Limitations
- 10-year max term (not 15)
- 70% LTV cap
- Min £50,000 loan
- Prefers clean credit profile