Commercial Mortgage Quote from Charleston
Whole of market access & exclusivity with specialist commercial mortgages & bridging finance lending partners
- No upfront fees
- Lender exclusives
- Whole of market
- Dedicated point of contact
- Market leading rates available
- FCA & NACFB Authorised
Call +441908972491 to speak to an advisor
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
Integrity
Honesty
Transparency
Commitment
Knowledge
Communication
Commercial Mortgages
With Charleston you gain access to the whole market, including high street banks and specialist lenders.
Talk to our commercial mortgage specialists for an expert service with same day in principle decisions.
HMO Property Mortgages
At Charleston we can arrange mortgages for houses in multiple occupancy (HMO). These types of mortgage are suited to student let property and can be for a purchase or re-mortgage.
Talk to our HMO mortgage advisors for the best deals
Buy To Let Property Loans
We can arrange individual and limited company buy to let mortgages for either residential or commercial investment purposes.
Speak to our buy to let specialists and they will find the right deal for your circumstance.
Residential Mortgages
As an independent mortgage broker Charleston have whole market access to a wide range of residential mortgage products.
From high street banks to specialist lenders, we are able to source the very best deals available.
Bridging Finance
Bridging loans help to fund the gap that sometimes occurs between agreeing a purchase and getting a mortgage in place.
We can arrange bridging finance from 0.59% per month up to 24 month terms
Secured Loans
Second charge secured loans for a variety of reasons. From renovations and new property purchases to university fees, weddings and business investment.
Charleston are able to secure loans up to £2.5m over a period of up to 25 years
