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Charles Street Finance

Fast, Flexible Property Finance.

BridgingDevelopmentBuy-to-LetLends on Land

Max LTV

75%

Interest from

0.99% pcm

Loan size

£50,000–£5m

Term

3 months–25 years

Charges

1st and 2nd

Areas

England, Wales and Scotland

Who they are

Charles Street Finance is a well established, fast-growing specialist finance provider that prides itself on putting the customer at the heart of its operations. Established in 1983, in Manchester, we’ve rapidly established a reputation for speed, service and certainty, even in the most complex of deals. Our growing team works out of offices in Cheadle, offering clients a relationship they can bank on. We work with brokers to offer high service levels, flexible criteria, and a broad commercial product range including bridging, refurbishment, buy-to-let, semi-commercial, commercial, and revolving credit facility loans.

Their ethos

We were founded on a simple principle: to back good opportunities where the security, borrower and exit make sense. We build trust through transparency, fairness, and accountability, doing the right thing, even when it’s not the easiest. Our relationships are rooted in honesty, consistency, and a genuine commitment to our clients’ long-term success. We’re strengthening our funding and investing for growth, scaling our success while staying true to the judgement, speed and control that have always set us apart.

What they specialise in

Our focus is on helping clients to grow their businesses. We work with brokers to place commercial finance for professional property investors, developers and landlords. From complex structures to tight deadlines, our experienced team takes a straightforward, hands-on approach, working quickly to find solutions to get the deal done.

Meet the team

Jonathan Sally

Managing Director

jonathan.sally@charlesstreetfinance.com

Carl Graham

Sales Director

carl.graham@charlesstreetfinance.com

Louise Ward

Customer Retention Manager

louise.ward@charlesstreetfinance.com

Contact

5500 Lakeside, Cheadle Royal Business Park, Cheadle, Stockport, SK8 3GR

www.charlesstreetfinance.com

newbusiness@charlesstreetfinance.com

Lending criteria

Funding model
PE and institutional debt
FCA regulated
No
Fixed/variable interest
Fixed and variable
Treatment of interest & default interest
Additional 0.5% charged daily, automatic extension, then interest charged daily; higher rate capped at 2.5%
Sectors
Residential, mixed-use, commercial, development, office, industrial, retail, hospitality, PBSA, HMO
Max LTGDV
70%
Max LTC
75%
Min property value
£75,000
Valuation retypes
Yes
Rental calculations & exposure
Yes
Types of valuation accepted
AVMs, desktop, full RICS
New builds
Yes
Heavy refurb
Yes
Grade listed buildings
Yes
Green/sustainable product
Yes
Planning permission needed
Yes
Commission rate
Variable
Associations/charters
NACFB and BDLA
Types of landlords accepted
Limited companies, individual, first-time and portfolio
Upfront fees
No
Broker portal
No
Early redemption charges
Yes
Investment
Yes
Owner occupied
Yes
Electronic signatures accepted
Yes
Lending on land
Yes

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Lender information courtesy of The Lender Index by Bridging & Commercial.

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