Are You Eligible for a Commercial Mortgage?
Not sure if you qualify for a commercial mortgage? Whether you're purchasing premises, refinancing, or investing through a limited company, Charleston Financial helps you understand exactly where you stand and what lenders are really looking for.
- Quick eligibility check in under 5 minutes
- Suitable for individuals, Ltd Cos & SPVs
- Owner-occupier or investment properties
- No upfront fees, just clear answers
- 20+ years’ commercial lending experience
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.
Need Expert Advice Before You Apply?
Talk to one of our commercial mortgage specialists today. Whether you're just exploring options or ready to move forward, we're here to help, with no pressure and no upfront cost.
- Fast in-principle decisions
- Owner-occupier & investment deals
- SPVs and Ltd Co applications welcome
- Rates from just 5.75%
- 20+ years of experience
Minimum Eligibility Criteria
While requirements vary by lender, here are the standard checks most commercial mortgage providers will perform:
| Requirement | Typical Standard |
|---|---|
| Deposit / LTV | Minimum 25–30% deposit (up to 75% LTV available) |
| Credit Profile | Clean credit preferred, minor issues considered |
| Trading History | 12+ months for trading businesses (some flex) |
| Company Structure | Ltd Co / SPV must be properly formed & active |
| Property Use | Must be suitable security for commercial use |
| Loan Size | Usually £50,000 – £25 million |
We can often support cases outside the norm, especially if you have a strong proposal or tenant profile.
Who Can Apply?
You may be eligible for a commercial mortgage if you're:
- A business owner buying or refinancing trading premises
- A landlord or investor acquiring commercial property
- A director or shareholder of a limited company or SPV
- A developer looking to refinance a completed project
- A professional with non-standard property needs (e.g. dental, childcare, retail)
What Documents Will I Need?
When you're ready to proceed, lenders typically ask for:
- 3-6 months business bank statements
- Last 2 years of accounts or SA302s
- Asset & liability summary
- Company incorporation details (Ltd Co/SPV)
- Property details, tenancy (if investment), and valuation info
- ID and proof of deposit
How to Improve Your Eligibility
If you’re unsure or have had a rejection in the past, we can still help. Here are ways to strengthen your case:
- Reduce requested LTV (e.g. increase deposit)
- Apply through an SPV if cleaner than personal finances
- Secure a strong lease or tenancy on the property
- Provide a clear business plan or income projections
- Use a guarantor or additional security if needed
Start With a Free Eligibility Check
Speak to our team today and we’ll walk through your circumstances, no obligation, no upfront costs.
We’ll let you know if you qualify, what to prepare, and which lenders are likely to support your deal.
