Commercial Mortgages for Limited Companies
More and more property investors and business owners are purchasing commercial property through limited companies and SPVs. At Charleston Financial, we help you secure commercial mortgages tailored to your structure, with competitive rates, tax-efficient options, and expert guidance at every step.
- Rates from 5.75%
- Up to 75% loan-to-value (LTV)
- SPV and trading company applications accepted
- Interest-only or repayment terms
- Fast decisions, no upfront fees
- Whole-of-market lender access
Very pleased with your service and the results on my mortgage with Gwyn Jones. I would like to speak to you again regarding another matter I need finance for. A special mention on your professional telephone manner
Finance Designed for Limited Companies and SPVs
Buying or refinancing commercial property through a limited company or SPV can offer significant advantages but it also requires the right lender, structure, and specialist support.
At Charleston Financial, we understand the nuances of company-based lending. Whether you're acquiring premises to trade from or investing in commercial real estate through a special purpose vehicle, we’ll help you secure finance that's tax-efficient, flexible, and tailored to your business goals.
We work with a wide panel of lenders who offer commercial mortgages to limited companies and SPVs. From initial consultation to completion, our team handles the process for you, with no upfront fees, and no unnecessary delays.
Why Use a Limited Company for Your Commercial Mortgage?
Purchasing or refinancing commercial property through a limited company offers several financial and operational advantages:
- Tax efficiency – Profits retained within the company
- Limited liability – Protection from personal exposure
- Separate accounting – Clearer separation of personal and business assets
- Inheritance planning – Easier to structure property ownership for long-term legacy
- Access to specialist lenders – Some lenders only lend to SPVs
We work with high street, challenger, and specialist lenders who accept limited companies and SPVs. Whether you’re trading from the premises or renting it out to tenants.
Who It's For:
- Property investors using SPVs to build commercial portfolios
- Business owners using a trading company to acquire premises
- Developers using corporate vehicles to finance assets
- High net worth clients diversifying through corporate wrappers
Property Types:
- Offices and trading premises
- Retail shops, units, or warehouses
- Tenanted commercial investments
- Mixed-use or semi-commercial properties
- Specialist assets (e.g. dental, leisure, medical)
Application Process:
- Speak to one of our commercial finance advisors
- Get a decision in principle within 24 hours
- Submit company documents (e.g. incorporation, shareholders, SIC code)
- We handle the rest through valuation, underwriting, and legal completion
