About Us

Straightforward Specialist Finance Advice

At Charnock Commercial Finance Ltd, we understand that specialist lending requires experience, attention to detail and clear communication.

We work with a wide range of specialist lenders to help clients secure finance where high street options may not be suitable. Every case is different, and our role is to guide you through the options available, explain the risks clearly, and help you make informed decisions.

Our Mission

To provide clear, honest, and tailored specialist finance advice, helping individuals, property investors, and business owners secure suitable funding with confidence and understanding.

Our Vision

To be a trusted specialist finance partner known for transparency, experience, and straightforward guidance in complex and non-standard lending cases.

Who We Help

Property Investors

Supporting investors with specialist finance solutions for purchases, refinancing, and time-sensitive opportunities.

Business Owners

Helping business owners access suitable funding for commercial properties and business-related finance needs.

Landlords

Providing finance options for landlords managing residential, semi-commercial, and investment properties.

Individuals with Complex Circumstances

Offering tailored lending solutions for those with non-standard income, credit issues, or unique requirements.

Compliance Statement

Charnock Commercial Finance Ltd is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 1039549 The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Your property may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be £599. Charnock Commercial Finance: Registered Address: Suite 2, Lesscent House, Wigan Road, Bryn, Wigan, WN4 0AR. Registered in England and Wales No: 16399015.

Not all services we offer are covered by the FCA. Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction.

The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.