Compare Commercial Mortgage Options
Not all commercial mortgages are created equal. The best deal depends on your property type, business structure, and long-term goals. At Charleston Financial, we simplify the process, helping you compare commercial mortgage options from over 100 lenders to find the one that fits you best.
- Owner-occupier and investment finance
- Limited company and SPV options
- Specialist and high-street lenders
- Fixed, variable and interest-only products
- Rates from 5.75% with up to 75% LTV
- No upfront broker fees
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.
Which Type of Commercial Mortgage Do You Need?
Use this quick comparison to see what type of mortgage matches your needs:
| Use Case | Product Type | Best For |
|---|---|---|
| Buying premises for your business | Owner-Occupier Mortgage | Business owners operating from the property |
| Buying property to let to tenants | Commercial Investment Loan | Landlords and portfolio investors |
| Part-residential, part-commercial | Semi-Commercial Mortgage | Shop + flat, mixed-use, or live/work properties |
| Short-term funding for a project | Bridging Loan | Auction purchases, refurbs, chain breaks |
| Buying through Ltd Co or SPV | Company Mortgage | Tax efficiency and limited liability structuring |
| Non-standard asset or business | Specialist Commercial Finance | Pubs, care homes, clinics, gyms, and regulated uses |
High Street vs Specialist Lenders
| Lender Type | Pros | Cons |
|---|---|---|
| High Street Banks | Lower rates, strong brands | Rigid criteria, slower decision-making |
| Challenger Banks | Flexible terms, open to newer businesses | Higher rates, may require personal guarantees |
| Specialist Lenders | Sector experience, complex case support | Higher fees, but often faster and more pragmatic |
Why Compare Mortgages Through Charleston?
- Whole-of-market broker access
- Over 20 years’ experience in commercial lending
- In-principle decision in as little as 24 hours
- Loans up to £25 million
- Transparent service, no pressure, no upfront fees
We don’t just show you what’s available. We explain why a particular deal suits your situation, and handle the full process through to completion.
What to Consider When Comparing Deals
- Interest rate: fixed or variable?
- Loan-to-value (LTV): how much can you borrow?
- Repayment structure: interest-only vs capital repayment
- Fees: valuation, arrangement, legal
- Term length and exit strategy
- Flexibility: overpayments, early settlement, redraw options
