ScotLend raises AVM threshold to 75% LTV after securing £20m from Shawbrook
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David Travers
Specialist bridging lender ScotLend has increased its AVM lending limit from 70% to 75% LTV on residential security, following a new £20 million funding facility from Shawbrook.
The updated threshold gives brokers more flexibility on fast-moving or complex cases. It enables ScotLend to make quicker decisions on qualifying deals, especially where a full valuation would normally slow things down.
“This facility gives us more capacity and more confidence to support the types of deals brokers are bringing us,” said director David Travers. “If a case doesn’t need a full valuation, it shouldn’t be delayed by one. This change is about keeping things practical and focused on getting deals done.”
The partnership marks Shawbrook’s first facility with a lender founded and based in Scotland. ScotLend, launched in 2024, offers 1st and 2nd charge bridging loans from £30,000 to £2 million across the UK, now including up to 75% LTV on residential security using AVMs.
The lender says the move builds on its broker-first approach, offering clear terms, fast answers, and properly assessed deals.
“We’re still the same team with the same straight-talking style,” added Mr Travers. “We’ve just got more room to say yes.”
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