Specialists in
Property Finance

At Charles & Dean, we provide tailored property finance solutions to help investors, developers, and landlords acquire, develop, and refinance properties with confidence. With access to a wide panel of trusted lenders, we secure competitive, flexible funding designed around your property goals - ensuring growth without compromise.

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How Property Finance Works: Simple, Transparent, and Tailored to You

Speak to a Property Finance Specialist

We take time to understand your property goals, timeline, and investment strategy. Get tailored funding guidance whether you're a first-time investor or seasoned developer.

Receive a Bespoke Solution

Access our wide panel of specialist lenders for solutions from £50,000 to £20 million. We ensure a seamless application process that fits your project timeline.

Get Your Funding

Our team works with you, your solicitors, and lenders to make the journey from proposal to completion smooth and stress-free.

We go beyond securing finance - we help unlock the opportunities property investment brings.

At Charles & Dean, we go beyond just securing property finance - we help property investors and developers navigate the world of funding and unlock the opportunities it brings.

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Business Finace Listing - Deal Spotlight - Gym 1

Funding for a 18,000 sq. ft. Start-Up Gym

With prior experience in the fitness industry, the gym owner aimed to start up their own gym. The funding facilitated the acquisition of income-generating assets designed to boost membership sign-ups, resulting in an impressive 100.2% increase in sign-ups during the first week.

Funding Value

£166,000

Assets Funded

Gym Equipment & Fitness Machines

Finance Specialist:

“It's a pleasure to assist a repeat customer in the launch of a new venture within the leisure and hospitality industry, helping to bring a vision for thriving gym to life.”

Business Finace Listing - Deal Spotlight - Van

Brand New Welfare Vans Paid Out Within 48 Hours

To fulfill a new plant hire contact, our customer required £68,000 to acquire and deliver two vans on-site, ensuring a project could begin without delay.

Funding Value

£68,000

Assets Funded

Welfare Vans

Finance Specialist:

“This rapid turnaround empowered our client to take on their contract confidently and deliver as promised.”

Business Finace Listing - Deal Spotlight - Gilgamesh

Funding Gilgamesh's Grand Entrance into Covent Garden

Gilgamesh, a world-renowned restaurant, sought funding to cover the extensive fit-out costs required for its highly anticipated launch in Covent Garden. As a pre-revenue hospitality business, securing finance was significant challenge, with traditional lenders hesitant due to the perceived risks in the industry.

Funding Value

£270,000

Assets Funded

Restaurant & Kitchen Furniture

Finance Specialist:

“We were thrilled to secure tailored funding for Gilgamesh, providing the capital needed to bring their vision to life. By collaborating with select lenders, we structured a solution that covered key fit-out costs, ensuring a smooth launch for the festive season.”

Specialist Property Finance Solutions

Every property deal has unique requirements, which is why we create customised funding plans that align precisely with your investment goals. Whether you're looking to acquire, develop, refurbish, or refinance property, our specialist team works with you to secure the optimal finance solution.

Property Market Expertise

With extensive knowledge of property finance markets and a comprehensive panel of specialist lenders, we negotiate competitive rates and flexible terms that complement your investment strategy. We understand the challenges property investors face and deliver funding options that support sustainable portfolio growth.

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Streamlined Process

Securing property finance shouldn't be complicated or slow. From your initial consultation through to property completion, our dedicated team guides you through every step, ensuring an efficient experience that meets even the tightest completion deadlines.

FAQs

Your questions about Property Finance answered

What types of property can be financed?

At Charles & Dean, we provide tailored property finance solutions across all property types:

Residential Development: From single house conversions to multi-unit schemes, our development finance supports your projects from planning to completion.
Commercial Property: Finance for offices, retail units, warehouses, and mixed-use developments with competitive commercial mortgage rates.
Buy-to-Let Portfolio: Whether single properties or large portfolios, our buy-to-let finance maximises your rental yield potential.
Auction Properties: Fast-moving bridging finance for auction purchases with quick completion requirements.
Refurbishment Projects: Finance for renovation, conversion, and improvement projects to add value and rental income.

No matter the property type, our specialist team is ready to create a finance solution that fits your investment strategy.

How does development finance work?

Development finance is typically provided in stages aligned with your build programme. Interest is usually rolled up during construction, with capital only repaid on completion through sale or refinance. We arrange development finance from £100,000 to £20 million, with loan-to-cost ratios up to 80% depending on your experience and the project.

Can I get bridging finance for auction properties?

Absolutely. Auction purchases require fast completion, typically within 28 days. Our bridging finance solutions are designed specifically for auction scenarios, providing funds quickly so you can secure properties at competitive prices. We can often arrange bridging finance within 7-14 days.

What's the difference between development finance and a commercial mortgage?

Development finance is short-term funding (typically 12-24 months) for building or converting properties, with staged drawdowns and rolled-up interest. Commercial mortgages are longer-term funding (5-25 years) for completed investment properties, with monthly payments and lower interest rates. We arrange both solutions depending on your requirements.

Do you arrange finance for first-time property investors?

Yes, we work with first-time investors as well as experienced developers. For newer investors, we focus on lower-risk strategies like standard buy-to-let mortgages or small refurbishment projects. We'll guide you through the process and help build your property finance track record.

How quickly can property finance be arranged?

Speed depends on the complexity and type of finance required. Bridging finance can be arranged in 7-14 days for urgent completions. Development finance typically takes 3-6 weeks depending on project complexity. Commercial mortgages usually complete within 4-8 weeks. We always work to your completion deadline.

What deposit is required for property finance?

Deposit requirements vary by finance type and project complexity:

Development finance: typically 20-30% of total project costs
Bridging finance: typically 25-40% depending on exit strategy
Commercial property finance: usually 25-35% deposit required
Auction finance: typically 25-40% depending on property type and timeline

We'll discuss the optimal deposit structure for your specific situation and investment goals.

Can you help refinance existing property investments?

Yes, refinancing can unlock equity for further investments or improve your interest rates. We arrange refinancing for commercial property portfolios and development projects. This can free up capital for your next property investment or improve your monthly cash flow.

Specialists in
Property Finance

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