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 Commercial investment purposes
  • No upfront fees payable
  • 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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I have to place on record that working with you guys is far more pro-active that the main banks - I'm finding them slower than ever in their response time and internal procedures, you are very refreshing, keep up the good work.

What is a Commercial Mortgage

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

A commercial mortgage can be used on a fully commercial property, for example, offices, retail, warehouses, or can be used on semi commercial properties, for example, a shop with residential accommodation above, or a house with a commercial unit attached.

Mortgages are  provided by banks and other specialist lending 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 (loan to value ) for a commercial mortgage is 65-70, however there are higher LTV options available through Charleston via dedication commercial banks/funding institutions 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 1.9% 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
  • Experience and profitability of the business 

How Charleston can help

As one of the leading commercial mortgage brokers in the UK, our mortgage team have decades of combined experience in helping customers, both personal and business, buy and re-mortgage commercial, semi commercial and residential properties.

We are able to arrange the best deals in the mortgage market with access to exclusive products not available directly to the wider market.

With the benefit of our experience and position within the commercial mortgage lending market, and relationships developed through our experience in arranging commercial mortgages and business mortgage facilities, we are able to negotiate bespoke terms and put together market leading terms for both simple, and complex deals with our lending partners providing you with the benefit of our experience to help you obtain the very best deals on the market.

Commercial property examples:

Commercial mortgage facilities are available for a wide variety of land and property types. Listed below are a small selection of the more recent property types we have successfully funded with our commercial mortgage lending partners.

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

Some of our Lending Partners