Owner-Occupier Commercial Mortgages
Secure the right mortgage for your business premises with Charleston Financial. We offer tailored owner-occupier commercial mortgages for business owners looking to purchase, refinance, or invest in property for their own operational use.
- Competitive rates from 5.75%
- Borrow up to 80% of the property value
- Terms up to 25 years
- Fixed, variable, and interest-only options
- Quick in-principle decisions — typically within 24 hours
- No upfront fees
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
Own Your Commercial Property with a Commercial Mortgage
Running a successful business means having the right space to grow. A dedicated, professional workplace gives you the stability and environment you need to support your team, enhance productivity, and deliver exceptional service.
Buying a commercial premises can require significant upfront capital. That’s where a commercial mortgage from Charleston Financial comes in.
We specialise in helping UK business owners and entrepreneurs secure funding to purchase or re-mortgage commercial space for their own business use. Whether you're expanding into your first premises or refinancing an existing property, we offer tailored solutions with competitive rates and flexible terms.
Why Consider a Commercial Mortgage?
Owning your business premises offers long-term advantages over renting:
- Lower interest rates than unsecured borrowing
- Potential for capital growth over time
- Opportunity to sublet unused space for additional income
- Full control over design, layout, and operations
- No reliance on landlord lease terms or rent increases
- Long term stability for your business
You also gain greater security and predictability in your monthly costs, and the freedom to make improvements that directly benefit your business.
At Charleston, we can arrange loans of up to 75% loan-to-value, and can go as high as 100% of the purchase price for the right business and with the right security/ We can provide interest-only and capital repayment options as well, dependant on your cash flow preference.
Whether you plan to occupy the property or use it as part of your investment strategy, we’re here to support you every step of the way.
Who It's For:
- Limited companies and sole traders purchasing trading premises
- Businesses refinancing existing owner-occupied commercial property
- Professionals buying offices, clinics, studios, or warehouses
Property Types:
- Offices
- Industrial units and warehouses
- Medical or dental practices
- Retail shops used by the business
- Workshops, showrooms, or clinics
Application Process:
- Speak to a dedicated advisor
- Receive your decision in principle within 24 hours
- We source the most suitable product from all available lenders
- Full support through application to completion
