Commercial Mortgages

Commercial mortgages can be arranged for a variety of different properties with borrowing applicable for purchase and re-mortgaging. We are able to accept applications from individuals, limited companies, SPV's and offshore entities.

With access to all of the main stream lenders and the specialist lenders, Charleston is well placed to work for you to source the best commercial mortgage for your individual circumstances.

  • Trading business or investment applications accepted
  • No upfront fees
  • Same day agreement in principle
  • Whole of market access
  • Market leading rates
  • 100% LTV available with additional security
  • Interest only available
  • No maximum loan

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What is a Commercial Mortgage

Commercial mortgages are arranged for the purpose of purchasing or re-mortgaging property that is primarily for commercial or business use and can be arranged for business to trade from, or alternatively as a form of investment (commercial buy to let)

Mortgages are  provided by banks and other specialist financial institutes. Commercial mortgages are considered a complex type of lending requiring a higher level of expertise to successfully arrange.

Commercial Loan to Value (LTV) Ratio's

The current typical LTV for a high street bank offering commercial mortgages is 65-70%, however there are higher LTV options available through Charleston via specialist banks up to 75% on a standalone basis, or 100% with additional security if available.

Commercial Interest Rates

High Street banks are able to provide us with rates from 2.4% above the bank of England base rate, but the interest rates for commercial mortgages vary according to a number of factors including but not limited to

  • LTV
  • Property Type
  • Repayment Terms
  • Loan Size
  • Mortgage Type
  • Credit Scoring
  • Income Cover

How Charleston can help

As a commercial master broker with over 20 years experience we are able to arrange some of the best deals in the market and have access to exclusive products not available directly. With relationships developed through our experience in arranging previous mortgage facilities, we are able to negotiate bespoke terms and broker complex deals with the banks providing you with the benefit of our experience to help you obtain the very best deals on the market.

Commercial property examples:

Commercial mortgages are available for a wide variety of land and property types.  Here we have listed some of the more recent property types we have secured competitive rates for.

  • Restaurants and cafes
  • Offices and office complexes
  • Convenience stores
  • Retail outlets
  • Factories and warehouses
  • Development Land
  • HMO (houses in multiple occupancy)
  • Nursing and care homes
  • Industrial units
  • Specialist buy to lets for flats under one freehold title
  • Owner occupation commercial mortgages
  • Investment purposes
  • Residential portfolios and Individual buy to let

Some of our Lending Partners