• Non-Status Term Finance
    • Commercial Mortgages
    Charterbank Non Status Commercial Mortgages

    Non Status Commercial Mortgages

    Our 5 year non status commercial mortgages are available on an interest only basis to private individuals, companies, sole traders and partnerships. Applications can be made without the need for proof of personal income, guarantors, detailed accounts or personal guarantees. Cases with a history of adverse credit and discharged bankruptcy are accepted.

    We provide non status commercial mortgages up to and including 70% of the property value for virtually any high yielding property type including Houses and Flats, HMO’s, Pubs, Hotels, Shops, Commercial & Industrial units,  Guest Houses, small Hotels and Bed & Breakfasts. Properties must be let on an Assured Shorthold Tenancy or subject to a suitable lease on commercial terms.

    We believe that non status commercial mortgages should be simple and straight forward, contact us or click here to apply for an in principle decision within 12 working hours.

    An arrangement fee and legal costs are payable, these costs can be added to the loan. Monthly interest payments are required on the last working day of the month. Interest payments should be derived from rental income produced by the Property or customer portfolio.


    • 5 year term (90 day minimum)
      5 year term (90 day minimum)
    • Up to 70% LTV
      Up to 70% LTV
    • No early repayment penalty
      No early repayment penalty
    • 1.49% per month serviced
      1.49% per month serviced
    • No exit fee
      No exit fee
    • Non-status
    • No proof of personal income
      No proof of personal income
    • CCJ’s, bad credit accepted
      CCJ’s, bad credit accepted
    • Arrangement fee added to the loan
      Arrangement fee added to the loan
    • Legal costs added to the loan
      Legal costs added to the loan

    Not looking for a non status Commercial Mortgage?

    Other common loan scenarios include:

    • Property refurbishment finance
    • Funding for new build or heavy refurbishment
    • Raise funds against existing property or portfolio
    • Finance for auction purchase
    • Cash buy in fast timescale
    • Loan to purchase property not suitable for mortgage
    • Business finance for cash flow or expansion

    Find out more information about common loan scenarios.

    If you are looking to apply for development finance, 5 year term finance, auction finance a bridging loan, farm & land finance, business or commercial finance, contact us for an informal discussion about your loan requirements.

    Your service to the client and progress updates were excellent, thanks very much."