Charles Street Finance | Home2025-06-27T13:03:05+01:00

Helping UK funding since 1983

Your Solution
To Fast Funding

Charles Street Finance

A relationship you can bank on!

Becky | Case Manager

Independently financed, we have the power to say YES!

Fast, Flexible Finance Delivered with Integrity and Expertise

At Charles Street Finance, we provide fast, flexible funding solutions for property investors, developers, business owners, and professional landlords across the UK.

As a specialist lender in bridging loans, development finance, and short-term commercial lending, we offer tailored funding from £50,000 to £5 million+

Unlock Fast, Flexible Funding for Every Opportunity…

Refurbishment Finance

Custom Build Finance

Bridging Loan

Development Loan

Auction Finance

Business Loans

Below Market Value

Refurbishment Finance

Custom Build Finance

Bridging Loan

Development Loan

Auction Finance

Business Loans

Below Market Value

CHARLES STREET FINANCE

We Pride Ourselves on Delivering Finance with Clarity, Transparency,

and a Personal Touch.

At the heart of our service is an unwavering commitment to customer experience. We build lasting relationships by offering a straightforward, no-nonsense approach, clear communication, and a genuine understanding of the fast-paced nature of property and business finance. That’s why brokers and clients across the UK trust Charles Street Finance to deliver funding with speed, certainty, and consistency – when it matters most.

  • Indicative Terms Within 4 Hours – Quick responses speed up deal execution
  • Fast and Reliable – Typical transactions completed in under 8 days

  • Flexible Underwriting — Approached with commercial understanding

40+

Years of Experience

Ready to Fund Your Next Project?

Call us: 0161 333 1981
Salary Negotiations

CHARLES STREET FINANCE

Property People

Quick access to funds for property purchases, renovations, or developments.

Fast approval processes and tailored financing solutions.

CHARLES STREET FINANCE

Brokers

Look no further for a trusted lender with clear SLA’s, products and reliability.

CHARLES STREET FINANCE

Businesses

Flexible and tailored loan products and repayment terms, such as bridge products, commercial mortgages or capital raising bridge loan facilities.

CHARLES STREET FINANCE

Introducers

We can offer introducers a streamlined service to support you grow your network.

CHARLES STREET FINANCE

Success Stories

Comm. Property | Northamptonshire

,

Residential property in Cheshire

Residential portfolio in Brighton

Commercial property in Preston

Restaurant in Cheshire

Commercial property in Exeter

CHARLES STREET FINANCE

frequently asked questions

When could a residential bridging loan be used?2025-06-11T11:46:22+01:00

A bridging loan can support cases like:

  • Purchases from auction with fast completion
  • Planning gain/change of use to enhance property value
  • Mortgage chain break to progress before sale
  • Probate release on inherited property
  • Renovation financing to boost rental returns
  • Purchase at a discount to capture opportunities 
Is all commercial bridging non‑regulated?2025-06-11T11:45:20+01:00

Yes. Currently, commercial bridging finance—including for investment, buy‑to‑let, or commercial properties—is non‑regulated and not protected by the FCA .

When should commercial bridging be used?2025-06-11T11:44:57+01:00

Ideal for offices, retail units, industrial premises—or complex or large residential properties—where permanent funding is pending .

What is a commercial bridge?2025-06-11T11:44:39+01:00

Commercial bridging loans are short‑term financing used to purchase or refinance commercial real estate when permanent funding isn’t available .

What is LTV?2025-06-11T11:44:12+01:00

Loan‑to‑Value (LTV) is the ratio of the loan amount to the property’s value .

How long can I get additional finance for?2025-06-11T11:43:49+01:00

What is GDV?2025-06-11T11:43:00+01:00

Gross Development Value (GDV) is the estimated open market or rental value of a property once development completes, based on recent comparable sales .

What properties are eligible for auction finance?2025-06-11T11:42:32+01:00

Generally, any residential, semi-commercial or commercial property qualifies, whether habitable or not.

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contact info

Lake View, Lakeside, Cheadle SK8 3GW | UK

finance@csfyes.com

Tel: 0161 333 1981

[Monday to Friday  |  9:00 AM – 6:00 PM]

Services

Bridging Loans

Development Loans

Buy-To-Let

Commercial Mortgages

Applications

Property Purchases

Property Renovations

Property Refurbishment

Capital Raise

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your trusted partner for finance

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Charles Street Finance is a trading style of Charles Street Commercial Investments Limited (01739793), Charles Street Capital Limited (14701559) and Charles Street Finance Holdings Limited (14701076). The products and services on this website, are illustrations and may be subject to change. All products and services offered will be subject to full customer due diligence, legal requirements and underwriting processes.

© 2025 • Charles Street Finance • All Rights Reserved
Website Design and Developed by Creative Blue Design

A relationship you can bank on!

Quick Application

Use of Your Personal Information

Information about all applicants will be collected and held on Charles Street Finance's databases and will be used to process your application and for ongoing account maintenance and administrative purposes. It will be held in accordance with the General Data Protection Regulation (GDPR) and the Data Protection Act 2018 and we will only disclose it to other companies within our group, our lawyers, auditors, external advisors, agents and third parties as well as anyone to whom we transfer our rights and duties under your agreement with us, together with their lawyers, auditors and external advisors, agents and rating agencies. We will also disclose your personal information to third party service providers who we engage from time to time but we will always endeavour to ensure that they hold it in accordance with the General Data Protection Regulation. You can find our full privacy policy by clicking on the link at the foot of this page.

Declarations

I/we, the undersigned, declare that the replies to the questions contained in this application form and any supplementary application form(s) are true,accurate and complete in every respect to the best of my/our knowledge and understand that Charles Street Finance has relied on the information provided which forms the basis of any contract between me/us and Charles Street Finance (and its transferees and assignees).

Probelms? Call our helpline

0161 333 1981

[Monday to Friday | 9 AM – 6 PM]

Our Products

At Charles Street Finance, we don’t believe in a one-size-fits-all approach to lending.
Every borrower, every property, and every project is unique—so each case is assessed on its own merits.

Bridging & Property Finance Products

Business & Cash Flow Funding

Borrower Types We Support

get in touch

Telephone

0161 333 1981

[Monday to Friday : 9 AM – 6 PM]

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