Jo Breeden

Crystal and Shawbrook launch refurb-to-let product




Shawbrook Bank has partnered with Crystal Specialist Finance (CSF) to launch its refurb-to-let light refurbishment loan product.

Rates will start at 0.43% per month for the semi-exclusive product with a maximum LTV of 85%.

Up to 10% of the LTV can be used for light refurbishment, with the overall figure not exceeding 70% of gross development value.

Short-term loans are available from one to 24 months from £50,000 up to £15m, with no minimum interest or early repayment charges.

The loan can be used for scenarios including the quick purchase or refinance of a residential or commercial property, including those sold at auction, and refurbishing a property to then let or sell, which for example may require new kitchens or bathrooms.


Jo Breeden, managing director at CSF (pictured above), said: “It is imperative we create products to meet demand from investors who are changing from standard buy-to-let investment to the high capital growth refurbishment market, and Shawbrook has delivered a truly innovative solution.”

Gavin Seaholme, head of sales at Shawbrook Commercial Mortgages, added: “We are delighted to work with Crystal on this initiative and have every confidence that this will be a popular addition to help support our brokers and their clients.

“This product addition fills a specific need for investors and landlords and its early popularity has demonstrated this.”

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