When looking to buy investment property there are many aspects to consider. Options such as buying with cash, the use of a regular buy to let mortgage, bridging funds and commercial finance are just some of the options available and all offer definite benefits and drawbacks.


Commercial Finance is a term that is banded around more frequently by investors; it seems that we should all be using it to build our property empires, but why?  What is it? Is it really that great and should we all be using it?

Charles & Dean

At Charles & Dean, we have extensive knowledge and first-hand experience of commercial property in addition to the property investment process. We pride ourselves on our expert knowledge of property markets. If your business is looking for new premises or wanting to sell current locations, we can help.


We offer a range of commercial property finance options for landlords and investors looking to finance commercial space, buy-to-let properties (BTL), houses in multiple occupation (HMO), as well as light and heavy refurbishment projects and property portfolios.

Commercial property finance options

Bridging Loans are a short-term solution that provide a quick way to purchase property. Bridging Loans are secured against residential or commercial property.

Bridging Loans provide short-term access to money and are useful for buying property at auction.

This type of finance also helps to bridge the gap between the sale and completion dates in a property chain, providing investors with the ability to sell on quickly after a property renovation.

Reasons to choose a Bridging Loan:

To raise finance quickly
To refurbish a property
To finish a development

Development finance is usually in the form of a short-term loan that’s used for the development of a new building project or to refurbish an existing property. Lenders will look to advance up to 70% of the gross development value.

Development finance provides funding for all types of residential property development where planning permission has been secured – regardless of whether a project is near completion, or whether it is yet to get off the ground.

Reasons to choose Development Finance:

To build a new property
To renovate a property

A commercial mortgage provides funding for the purchase of commercial buildings or commercial land.

Charles & Dean has access to fully amortised loans for both single investments and portfolio loans, whereby the debt is gradually paid off over a defined period – known as the ‘term’.

“Our experience in property and personal purchasing of over 250 buildings has given us a far greater understanding of the process, product range and the investor’s needs” – Simon Grace, Director

Why Use a Commercial Finance Broker?

Commercial finance is a complicated subject. Unlike standard residential mortgages which have neatly defined rates and criteria, commercial finance is much more tailored and requires a good degree of skill and experience to find the right deal.

Shopping around for the best deal has become increasingly common and one of the main advantages of using a broker is that they will do that shopping for you.

Dealing with a broker means dealing with an individual. A broker is someone who will take the time to understand you and your business making sure they are in an excellent position to secure you the most suitable deal.

The finance you think you need may not be the finance you actually need. This is another area where a broker can help. 

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