Image of a water droplet containing the logo of Charterbank, a trusted principal lender of fast finance

Small, transparent and perfectly formed

Specialists in fast property finance from £30,000 to £500,000
Image of a bee at work. Nobody works harder as a finance lender than Charterbank

Nobody works harder

A lender dedicated to providing exceptional service

Trusted Principal Lenders of Property Finance

Charterbank Capital is a privately owned and run principal lender of property finance. Decisions to lend are made quickly but with surety, often ‘stepping in’ when customers have been let down by their bank or other lenders. Underwriting is carried out in-house and based on simple, common sense principles. We value the relationships that we build with our customers and introducers old and new, and pride ourselves on providing a first class service, taking the time to understand your loan requirements, even when working to the shortest of deadlines.

Decades of Experience

A Proven Track Record

Specialists in fast non-status facilities from £30k to £500k

A lender dedicated to providing exceptional service

Reliable decision making from the outset, every time

Property Development Finance

Development loans for new build projects, extensive refurbishments and stalled sites are bespoke to suit the needs of your client. Up to 60% of the site/property value can be advanced immediately with additional stage payments throughout the construction programme funding up to 100% of the development costs.

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Auction Finance

Immediate quotes for Auction Finance are available before, during & after the auction. Finance is available for virtually any auction property in any condition. Properties can be vacant or tenanted with products available for land, plots, residential refurbishments (light and heavy), commercial (including change of use), industrial or mixed use property.

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Business Finance

Secured Business Finance is available to aid cash flow or to help your clients business to expand. Loans are available with no credit scoring and without the need for copy accounts or asset & liability statements.

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Bridging Loans & Finance

If you have a client looking for finance to secure a new property purchase or raise a loan secured on an existing property, we can provide a fast Bridging Loan tailored to suit, in the shortest of timescales.

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Farm Finance & Farmland Loans

Secured finance for farms & land is available to assist with the purchase of new plant and machinery, buy additional land, make general farm improvements or renovate and build new outbuildings.

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Your property finance lenders

Standing head and shoulders above the rest

About Us
Excellent4.8 Based on 16 reviews from review us onRonan Z. ★★★★★ Amazing service and communication. Tom is a delight to work with.The understanding of the full process enables the team to head off problems before they arise.Couldn’t be more straightforward and efficient. Great Lender.Response from the ownerThank you for taking the time to leave us a review and for your positive comments which are much appreciated. We enjoyed working with you in respect of the recent case and thank you for your help and assistance during the course of the same. Debbie, South West Business F. ★★★★★ Charterbank Capital are a geat lender to work with and are happy to look at proposals that many other lenders won't consider. From my experience, they are flexible, efficient and always look for ways to make a deal work in the best interests of the client.Response from the ownerThank you for your review, Debbie. You are a pleasure to work with. We are grateful for your comments and look forward to receiving the next proposal from you. marc O. ★★★★★ Very easy to deal with. Quick processing and contactable. Nice to be able to deal with the decision maker directly. No hesitation in recommending.Response from the ownerThank you for your comments, Marc. We enjoyed working with you in relation to the recent matter and thank you for your assistance along the way. We look forward to working with you again soon. Jon H. ★★★★★ I have been fortunate enough to work with Charterbank for over 5 years now and I am on my 4th project with them.Chris and Tom have always been supportive, communicative and very helpful. I can’t speak highly enough of them and I hope to continue to work with them for many more years to come.The latest project was 10 day turnaround post auction purchase and they had put our solicitor in funds before I had on the day of completion.Thank you again!Response from the ownerThank you, Jon for taking the time to leave us this review which is much appreciated. It was our pleasure to take this matter on and progress apace to meet the deadline. All the best taking the project forward. Foy M. ★★★★★ Great Lender, and fantastic service!I had a client who had exchanged contracts for an auction purchase. However, the client's partner pulled out at the last minute and needed urgent funding as a replacement. Giving the fact it happened during Christmas doesn't help either! My client was under tremendous pressure to complete in 2-3 weeks.We needed a lender that was understanding and can move quickly.I approached Tom from Charter Bank as they are known in our industry that can move quickly.Tom assessed the case and I got the offer within 24 hours, and legals was instructed. There were some complications to the property however, Tom and his legal team resolved it, and completion took place!My client was over the moon, thanks again Tom!Response from the ownerThank you for taking the time to leave a review, Foy. We were delighted to be able to assist and look forward to working with you again in the future. Paul O. ★★★★★ Tom understood the requirement and worked hard to keep communication open with all parties. Great outcome for everyone. 👍Response from the ownerThank you, Paul for your review. We are always delighted to hear such positive comments and thank you for your time and attention assisting with the matter from start to finish. Rob W. ★★★★★ In today's world, speed, efficiency and time taken to assess each case individually with a common sense approach, is important. The Charterbank team adhere to these principles and they are a pleasure to work with.Response from the ownerThank you very much, Rob for taking the time to post a review. We are pleased that you found us to be fast and efficient. With kind regards, Charterbank. darren b ★★★★★ Breath of fresh air compared to our previous lender, including solicitors. Tom and the team were business like as with any lender, but personable, and helpful. They rose to the challenge, worked apace and didn't add to my stress which was most appreciated.Response from the ownerHello Darren. Thank you very much for taking the time to post a review. We were pleased that you found our service to be prompt and personable; something that we strive to achieve for every customer. Kind regards. Richard H. ★★★★★ As a Commercial Broker I have been delighted with the service and terms provided to me by Tom Branson. Tom has a great understanding of property deals and can quickly grasp the key points and provide terms to my clients without delay. The take on process is very quick which my clients appreciate and have al been delighted with the experience. I continue to strongly recommend them to my clientsRichard HollandRH Funding Solutions10/3/2020Response from the ownerThank you Richard. Your review is much appreciated. We look forward to working with you again soon. Julian B. ★★★★★ Charterbank Capital are a very professional outfit, and deliver a first rate service. I would have no hesitation in recommending them.Response from the ownerThank you Julian, glad to hear such positive comments. Peter S. ★★★★★ Very good service.Does what it says on the Tin.Decision maker always available.Will use again.Response from the ownerMuch appreciated Peter, we aim to please. John H. ★★★★★ Always a pleasure to deal with this company, efficient, straightforward and honest. Look forward to a continued relationship going forward !Response from the ownerThanks John, great to hear. Thank you for taking the time to review. Phil C. ★★★★★ Great team to work with.No messing around, if they say they will do it they do it.Tom really knows his stuff and gets things done.Response from the ownerThank you for your comment Phil, much appreciated. Martyn B. ★★★★★ Very efficient service at every step of the loan process from initial application through to receiving the funds.As an adviser I will definitely be using them again in the future.Response from the ownerDear Martyn. Thank you for your review. We were pleased be able to assist you and your client with their part-built development project. Michael W. ★★★★★ Great communicators who were very efficient at every step of the loan process from initial application through to receiving the funds. Will definitely be using again if further finance is required in the future,Response from the ownerDear Michael. Thank you for taking the time to review, it is much appreciated. js_loader

Our Track Record



80 Years

Combined Experience

1 day

Timescale to make a credit decision


Loan size (up to)