Commercial Mortgages

Why Shawbrook?

In the more complex world of commercial mortgages, our team of commercial property specialists spend the time to understand your client’s specific investment plans.

Are they considering growing their commercial investment portfolio, or moving into this space to diversify their residential portfolio? Combining intuitive application systems for a quick initial decision and our team’s expertise means we can consider everything from simple commercial transactions to larger complex loans.

We don’t limit the number of investments held with us, and will consider a wide range of commercial property types including:

Semi-commercial and mixed use
Retail units
Industrial units
Offices, including serviced offices that are multi-let on licenses

So, if your client is an individual, LLP, limited company, ex-pat or trust, our Commercial Mortgages could be the finance required to support them on their property journey.

Commercial Mortgage highlights

Rates from 6.39%
Loans from £150k - £35m
Loan terms from 3 to 25 years
Interest-only loans available (subject to affordability)
Semi-Commercial Mortgages – up to 75% LTV
Commercial Mortgages – up to 65% LTV (up to 75% LTV on industrial)
Variable and fixed rates (2, 3, 5 and 10 years) available*
Dedicated team offering a premium case management service for loans over £5m

* Variable rates are inclusive of Shawbrook Base Rate. Shawbrook Base Rate (SBR) is subject to a minimum floor of 0.75%. Please note that the current Shawbrook Base Rate is 4.50% (as of 7 February 2025

Larger loans

Our Structured Real Estate team offer a premium 1-2-1 case management service and pricing specifically for loans between £5m - £35m.

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

Explore Structured Real Estate

Structured Commercial & Semi-Commercial Mortgages

Designed specifically for larger, complex deals

Download Product Guide

Structured Commercial Mortgages

Arrangement fee 3%
Loan to value based on vacant possession
Premium case management service

£5m - £35m

65% Max LTV

75%* Max LTV

Variable

8.89%

9.59%

2 Year Fixed

7.24%

7.39%

3 Year Fixed

7.24%

7.39%

5 Year Fixed

7.24%

7.39%

10 Year Fixed

7.24%

7.39%

Max LTV

65%

75%*

Variable

8.89%

9.59%

2 Year Fixed

7.24%

7.39%

3 Year Fixed

7.24%

7.39%

5 Year Fixed

7.24%

7.39%

10 Year Fixed

7.24%

7.39%

Structured Semi-Commercial Mortgages

Arrangement fee 3%
Loan to value based on vacant possession
Premium case management service

£5m - £35m

65% Max LTV

75% Max LTV

Variable

7.65%

7.90%

2 Year Fixed

6.34%

6.44%

3 Year Fixed

6.34%

6.44%

5 Year Fixed

6.34%

6.44%

10 Year Fixed

6.34%

6.44%

Max LTV

65%

75%

Variable

7.65%

7.90%

2 Year Fixed

6.34%

6.44%

3 Year Fixed

6.34%

6.44%

5 Year Fixed

6.34%

6.44%

10 Year Fixed

6.34%

6.44%

* Please check our lending criteria for eligible assets for this LTV banding.

Commercial and Semi-Commercial Mortgages

Download Product Guide

Arrangement fee 3%
Loan to value based on vacant possession

£1m - £4,999,999

65% Max LTV

75%* Max LTV

Variable

8.89%

9.59%

2 Year Fixed

7.34%

7.49%

3 Year Fixed

7.39%

7.54%

5 Year Fixed

7.44%

7.59%

10 Year Fixed

7.44%

7.59%

Max LTV

65%

75%*

Variable

8.89%

9.59%

2 Year Fixed

7.34%

7.49%

3 Year Fixed

7.39%

7.54%

5 Year Fixed

7.44%

7.59%

10 Year Fixed

7.44%

7.59%

£250,000 - £999,999

65% Max LTV

75%* Max LTV

Variable

9.09%

9.79%

2 Year Fixed

7.64%

7.79%

3 Year Fixed

7.69%

7.84%

5 Year Fixed

7.74%

7.89%

10 Year Fixed

7.74%

7.89%

Max LTV

65%

75%*

Variable

9.09%

9.79%

2 Year Fixed

7.64%

7.79%

3 Year Fixed

7.69%

7.84%

5 Year Fixed

7.74%

7.89%

10 Year Fixed

7.74%

7.89%

£150,000 - £249,999

65% Max LTV

75%* Max LTV

Variable

9.79%

10.69%

2 Year Fixed

7.69%

7.84%

3 Year Fixed

7.74%

7.89%

5 Year Fixed

7.79%

7.94%

10 Year Fixed

7.79%

7.94%

Max LTV

65%

75%*

Variable

9.79%

10.69%

2 Year Fixed

7.69%

7.84%

3 Year Fixed

7.74%

7.89%

5 Year Fixed

7.79%

7.94%

10 Year Fixed

7.79%

7.94%

Semi-Commercial Mortgages

Arrangement fee 3%
Loan to value based on vacant possession

£1m - £4,999,999

65% Max LTV

75% Max LTV

Variable

7.65%

7.90%

2 Year Fixed

6.39%

6.49%

3 Year Fixed

6.44%

6.54%

5 Year Fixed

6.49%

6.59%

10 Year Fixed

6.49%

6.59%

Max LTV

65%

75%

Variable

7.65%

7.90%

2 Year Fixed

6.39%

6.49%

3 Year Fixed

6.44%

6.54%

5 Year Fixed

6.49%

6.59%

10 Year Fixed

6.49%

6.59%

£250,000 - £999,999

65% Max LTV

75% Max LTV

Variable

7.90%

8.15%

2 Year Fixed

6.74%

6.84%

3 Year Fixed

6.79%

6.89%

5 Year Fixed

6.84%

6.94%

10 Year Fixed

6.84%

6.94%

Max LTV

65%

75%

Variable

7.90%

8.15%

2 Year Fixed

6.74%

6.84%

3 Year Fixed

6.79%

6.89%

5 Year Fixed

6.84%

6.94%

10 Year Fixed

6.84%

6.94%

£150,000 - £249,999

65% Max LTV

75% Max LTV

Variable

9.00%

9.50%

2 Year Fixed

7.04%

7.19%

3 Year Fixed

7.09%

7.24%

5 Year Fixed

7.14%

7.29%

10 Year Fixed

7.14%

7.29%

Max LTV

65%

75%

Variable

9.00%

9.50%

2 Year Fixed

7.04%

7.19%

3 Year Fixed

7.09%

7.24%

5 Year Fixed

7.14%

7.29%

10 Year Fixed

7.14%

7.29%

* Please check our lending criteria for eligible assets for this LTV banding.

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Commercial Mortgage lending criteria

We’re transparent with our lending criteria, so you know where you stand when submitting a case to us. Explore or download our lending criteria.

If your client does not meet all conditions, applications may still be considered.

Download Commercial Mortgage lending criteria

For existing customers

We have two options for our existing mortgage customers looking to stay with us for the next chapter of their property journey:

Product Transfer – when your customer’s fixed rate is ending and they wish to secure a new fixed rate with no additional borrowing or changes to the contractual term. They must have no missed Shawbrook mortgage payments within the last 12 months to be eligible.
Shawbrook Refinance – for when your customer’s fixed rate is ending and they wish to capital raise or make contractual changes to the loan.

Product Transfer & Shawbrook Refinance Lending Criteria Broker Guidance for Product Transfers