Specialist Commercial Mortgages

Not all commercial properties fit a standard lending model. At Charleston Financial, we offer tailored mortgage solutions for non-standard or specialist property types, including healthcare, leisure, and hospitality buildings.

  • Competitive rates from 5.75%
  • Loans up to 100% loan-to-value
  • Complex structures and business models supported
  • Interest-only or repayment options
  • Owner-occupiers and investors welcome
  • Wide panel of specialist lenders

Thanks again for arranging my commercial mortgage, if it was not for you the whole project would have come to a halt as no other broker or lender was interested. I know where to come next time.

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Mortgage Solutions for Complex & Non-Standard Property Types

Specialist commercial properties, such as care homes, dental clinics, or gyms often require bespoke finance. These buildings come with sector-specific risks, regulation, and income models that many mainstream lenders don’t support.

At Charleston, we work with lenders who understand the unique requirements of specialist sectors. Whether you’re acquiring premises, refinancing, or expanding, we’ll secure a funding solution that fits your business

Why Choose a Specialist Commercial Mortgage?

When the property type, business model, or income stream is outside the norm, a specialist mortgage ensures your needs, demands and circumstances are assessed appropriately by an expert lending provider in your chosen field.

  • Lenders with deep sector experience
  • Valuation models tailored to business type
  • Flexible underwriting for complex income
  • Long-term or short-term solutions available
  • High LTV for qualifying operators

We match you with lenders who understand your industry, not just your property.

Who It's For:

  • Business owners acquiring or refinancing licensed premises
  • Investors purchasing healthcare or leisure properties
  • Operators of regulated or high-risk properties
  • Borrowers with niche asset classes or business types

Property Types:

  • Care homes and assisted living facilities
  • Pubs, restaurants, hotels, and B&Bs
  • Dental, veterinary, and medical clinics
  • Gyms, fitness studios, and wellness centres
  • Nurseries, schools, and religious buildings

Application Process:

  • Speak to a specialist commercial finance advisor
  • Receive an in-principle decision within 24 hours
  • We source the most suitable lender for your asset type
  • Full support through valuation, application, and legal process