Commercial Remortgage

Commercial Mortgages

Commercial mortgages can be arranged for a variety of different properties with borrowing applicable for purchase and re-mortgaging. We are able to accept applications from individuals, limited companies, SPV’s and offshore entities.


  • Trading business or investment applications accepted
  • Same day agreement in principle
  • Market leading rates
  • 100% LTV available with additional security
  • Interest only available
  • No maximum loan


Commercial mortgages are arranged for the purpose of purchasing or re-mortgaging property that is primarily for commercial or business use and can be arranged for business to trade from, or alternatively as a form of investment.(commercial buy to let)

Mortgages are  provided by banks and other specialist financial institutes. Commercial mortgages are considered a complex type of lending requiring a higher level of expertise to successfully arrange.

Commercial Loan to Value (LTV) Ratio’s

The current typical LTV for a high street bank offering commercial mortgages is 65-70%, however there are higher LTV options available through Charleston via specialist banks up to 75% on a standalone basis, or 100% with additional security if available.

Commercial Interest Rates

High Street banks are able to provide us with rates from 2.4% above the bank of England base rate, but the interest rates for commercial mortgages vary according to a number of factors including but not limited to:


  • LTV
  • Property Type
  • Repayment Terms
  • Loan Size
  • Mortgage Type
  • Credit Scoring
  • Income Cover


Broker Only Deals

As a commercial master broker with over 20 years experience we are able to arrange some of the best deals in the market and have access to exclusive products not available directly.

Commercial property examples:

  • Restaurants and cafes
  • Offices and office complexes
  • Convenience stores
  • Retail outlets
  • Factories and warehouses
  • Development Land
  • HMO (houses in multiple occupancy)
  • Nursing and care homes
  • Industrial units
  • Specialist buy to lets for flats under one freehold title
  • Owner occupation commercial mortgages
  • Investment purposes
  • Residential portfolios and Individual buy to let

What ever your Property Development Finance needs, call our Finance Team now.

Chelmsford, Essex:

> 01245 408 569

Liverpool Street, London:

> 020 3701 9787