Property People2025-06-25T16:25:21+01:00

Property People

Fast Finance for Property Investors,
Developers & Homebuyers

At Charles Street Finance, we specialise in providing fast, flexible funding for property people—from first-time investors to experienced developers, landlords, and private individuals.

Whether you’re purchasing before selling, funding a renovation, buying at auction, or bridging a short-term cash flow gap, our tailored finance solutions are built to move as quickly as your opportunity demands.

CHARLES STREET FINANCE

A Finance Partner

You Can Trust

At Charles Street Finance, we’re more than just lenders—we’re property people too. With decades of real-world experience, we understand the pressures, timelines, and opportunities involved in property projects. That’s why we underwrite every deal with common sense and deliver funding with speed, transparency, and a personal touch.

Fast Decisions

Terms in 24 hours to keep your deal moving.

decades of experience

Trusted expertise in property and finance.

On-Going Support

We’re with you before, during, and after.

Ready to Fund Your Next Project?

Call us: 0161 333 1981
Salary Negotiations

Popular Lending Scenarios

Bridging Loan

Residential, commercial, mixed-use, land

Development Loan

Ensure the best structure for your goals

Auction Purchase

Finance ready for purchase within 30 days

CHARLES STREET FINANCE

Who We Help

Property People covers a wide range of clients, including:

  • Property investors
  • Developers
  • Landlords
  • Buy-to-let purchasers
  • Refurb and conversion specialists
  • Auction buyers
  • Property traders
  • Self-builders
  • SPVs and trading companies
  • Foreign nationals and expats

CHARLES STREET FINANCE

Our Lending Solutions Include:

  • Bridging Loans

    Short-term funding for purchases, refinance, or to unlock equity—often completed in under 10 days.

  • Property Refurbishment Finance

    Light, medium, or heavy refurb projects funded with speed and flexibility.

  • Development Finance

    Ground-up residential or mixed-use schemes with tailored drawdown schedules.

  • Conversion Finance

    Finance for converting commercial or large residential properties into multiple units.

  • Auction Finance

    Pre-agreed finance so you can bid with confidence and complete within tight auction timelines.

  • Chain Break & Pre-Sale Purchase Loans

    Bridge your purchase before selling your existing property or avoid delays in chains.

CHARLES STREET FINANCE

What We Offer Our Clients

  • Loans – From £50,000 to £5 million+

  • Up to 75% LTV
  • Residential, commercial & mixed-use
  • Development Finance – Ground-up and heavy refurb projects
  • Flexible drawdown structures
  • Joint ventures considered
  • Auction Finance – Pre-approved loans for fast transactions
  • Funds ready in as little as 7 days

To complement a fast-moving and dynamic property market.

Unlock Funding For Many Uses:

Our ‘can-do’ approach fuels our speed of service from initial enquiry to payment.

CHARLES STREET FINANCE

Our Property Experts

CHARLES STREET FINANCE

Property Loan FAQ’s

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 bridging loan?2025-06-11T11:34:27+01:00

These loans—also called bridge financing—are short‑term funding used until permanent finance is secured or an existing obligation is cleared. They typically run for up to one or two years and are often used in real estate .

What are your minimum and maximum loan amounts?2025-06-11T11:39:59+01:00

Charles Street Finance provides loans from £75,000 up to £3 million, with larger loans considered by referral.

How much do you charge for additional borrowing?2025-06-11T11:47:45+01:00
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