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Commercial Property Finance

At Charles & Dean, we recognise the unique opportunities and challenges property businesses face. With rising costs and a fluctuating market, securing the right finance can drive success and unlock growth, and we're here to help make that happen.

Finance That Fits Your Business

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The Charles & Dean Difference

Transforming Challenges into Growth Opportunities

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Rising Property Costs

Rising property prices and development costs make expansion harder. Our bespoke finance solutions help fund acquisitions, refurbishments, and developments.

Increased Lender Scrutiny & Costs

Lenders have become more cautious, tightening criteria and increasing refinancing costs. Affordability tests are stricter, with greater scrutiny on borrowers, particularly for high-leverage investments.

Commercial Sector Fluctuations

Commercial property, for example retail and office spaces are experiencing fluctuating demand as a result of hybrid working models and economic shifts.

Impacted Cash Flow

Energy, maintenance, and insurance costs have risen, especially for older, less efficient properties. Unlocking equity can boost cash flow and fund new ventures. Our refinance options help you leverage assets, freeing up capital for growth.

Navigating Economic Uncertainty

Economic fluctuations can impact rental income, property values, and financing availability. Our team of specialists works closely with you to provide finance options that work for your business meeds, even in uncertain times.

Commercial Property Finance Solutions

Investment Mortgages

Secure funding to purchase or refinance residential or commercial properties, from flats and houses, office buildings and retail spaces to warehouses, entire apartment blocks and industrial properties. Our investment mortgage solutions offer competitive interest rates and terms that will allow you to grow and manage your property portfolio effectively.

Development Finance

Fund your property development projects, whether residential, commercial, or mixed-use. Our development finance solutions are designed to support every stage of your project, from land acquisition to construction completion. We offer flexible terms and tailored funding to help you bring your property developments to life.

Business Finance - Commercial Property - Bridging 2

Bridging Loans

Need fast finance for a construction project? Bridging loans provide flexible, short-term funding to bridge the gap between property purchases and refinancing, or to support developments from acquisition to planning approval. Ideal for time-sensitive construction opportunities, bridging loans offer the speed and flexibility needed to seize growth opportunities.

Commercial Property Finance at Charles & Dean: 3 Simple Steps

Understanding Your Business’ Goals and Challenges

Forget the generic calculators - speak directly with a property finance specialist who understands the unique needs of your property portfolio. Whether you're purchasing, refinancing, or developing property, we’ll work with you to explore tailored funding options that suit your investment strategy and growth goals.

Consultative Finance Solutions to Drive Your Business Forward

Our team delivers bespoke funding from £100,000 to £50,000,000. Whether you're buying, developing, or refinancing property, our streamlined application process ensures a hassle-free experience, allowing you to focus on managing and growing your property investments while we do all the administrative heavy lifting of the loan application process for you.

Smooth, Hassle-Free Funding for Your Business Needs

Once your finance is approved, our dedicated Sales and Operations teams ensure a seamless transition from proposal to payout. We work closely with you, your lawyer, and lender to ensure the process runs smoothly, enabling you to access funds and move forward with your property projects quickly.

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Tailored Loan Solutions

We offer customised property financing to meet your unique needs. Whether acquiring office buildings, industrial spaces, or retail properties, our flexible solutions align with your investment strategy and budget.

Market Expertise

With expertise in commercial property, we secure competitive rates and terms through our lender network. We navigate market shifts, tight deadlines, and property fluctuations to tailor financing to your goals.

Simplified Process

Securing commercial property finance doesn’t have to be complex. Our specialist team streamline the process from consultation to funding, letting you focus on growing your portfolio.

Business Finance - Commercial Property Tetimonial Hero

"I am very grateful to Charles & Dean for the support and success in achieving the financial restructuring of my companies to purchase the adjacent office investment premises.

With multi-let units this needed a careful approach to suitable lenders and my confidence in how this was to be handled was justified."

Brian

Director, HMO & Office Building Owner

FAQs

Your questions about Commercial Property answered

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What types of commercial property finance do you offer?

At Charles & Dean, we offer a range of property finance solutions designed to meet the needs of property investors. Our products include residential buy-to-let mortgages, investment and owner-occupier commercial mortgages, first and second charge bridging loans, and refurbishment and development finance - all tailored to help you acquire, refinance, or develop real estate with flexibility and ease.

What is an investment mortgage, and how can it benefit my property investment?

An investment mortgage is a loan used to purchase or refinance property, such as office buildings, retail spaces, or industrial units. With competitive interest rates and flexible repayment terms, a commercial mortgage can help you secure valuable assets and grow your property portfolio over time.

What are bridging loans, and when should I use them?

Bridging loans are short-term loans designed to bridge the gap between buying and selling property or securing long-term finance. If you need quick access to funds for a time-sensitive property transaction, a bridging loan can provide the necessary capital until you secure permanent financing or complete the sale.

What is development finance, and how can it help fund my property projects?

Development finance is specifically designed to fund property development projects, whether residential, commercial, or mixed-use. This funding can be used for land acquisition, construction costs, or refurbishment projects. With flexible terms and tailored options, development finance helps you bring your property development projects to life.

How much can I borrow for commercial property finance?

The amount you can borrow depends on the type of property, its value, and your financial circumstances. At Charles & Dean, we work with you to assess your situation and provide a commercial property loan that meets your investment goals. We offer flexible terms and competitive rates, ensuring you get the funding you need to grow your property portfolio.

How does Loan-to-Value (LTV) affect my commercial property finance?

Loan-to-Value (LTV) determines how much you can borrow against the value of your property. Typically, commercial property LTVs range from 60% to 80%, depending on the property type and your financial profile. At Charles & Dean, we offer competitive LTV ratios tailored to your needs, ensuring you secure the best terms. As the market evolves, we help you navigate LTV options to maximise borrowing potential and improve affordability.