Shawbrook has announced a suite of enhancements to its commercial investment products, aimed at strengthening its support for professional property investors seeking to diversify and expand their portfolios with commercial assets.
These changes highlight Shawbrook’s commitment to providing tailored financial solutions across a range of property types, with increased maximum loan-to-value (LTV) ratios on key asset classes. Notable changes include:
- Retail Units: Maximum LTV has been raised to 70% for interest-only loans and 75% for loans with part or full capital repayment options.
- Healthcare and Education Assets: Properties such as GP surgeries, dental practices, veterinary clinics, and nurseries are now eligible for up to 75% LTV on interest-only, part, or full capital repayment loans.
- Industrial Units: Shawbrook continues to support industrial assets with a 75% LTV cap for interest-only loans, a level introduced earlier this year.
- Further accommodating the complexity of mixed portfolios, Shawbrook offers blended LTVs based on the individual security values within a portfolio, adding flexibility for investors managing diverse asset classes.
Shawbrook has also eased its experience criteria, opening up access for first-time landlords seeking specialist funding for semi-commercial properties. This strategic move is aimed at empowering new entrants to the market, enabling them to establish property businesses with a stronger focus on cash-flowing assets. For these investors, Shawbrook will offer a maximum loan size of £750,000, applicable to assets with up to two commercial units and six residential units. This enhancement builds on prior changes made in 2024, which extended Shawbrook’s support for new landlords looking to invest in smaller Houses in Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks (MUFBs).
Daryl Norkett, director of real estate proposition, comments:
"We've seen a notable rise in investor interest in commercial assets this year, which reflects renewed confidence among landlords in the commercial market, as they look to actively expand and diversify their portfolios. Our latest enhancements underscore our commitment to supporting professional property investors in the commercial and semi-commercial markets, helping them seize growth opportunities and strengthen their portfolios."
