Charles Street Finance 0161 333 1981 Loan enquiry
Founded 1983

A reputation for flexibility and simplicity

Charles Street Finance offers a variety of loan types secured against property — always putting the customer at the heart of everything we do.

To be the trusted partner of choice in UK property finance, delivering tailored lending solutions with integrity, speed and a personal touch — fostering lasting relationships that empower our clients' success.

How we work

Customer experience is at the heart of everything we do

A common-sense proposition built around transparency and attention to detail, with you at the centre.

Building relationships
We take time to understand every client and every deal — great outcomes start with genuine relationships.
Sustaining relationships
Our service doesn't end at completion. We stay connected, supporting your journey and future plans.
By your side
Direct access to decision-makers from day one. No call centres, no passing the buck.
No nonsense
Honest, informed guidance shaped by real market experience — not scripted responses.
Speed
Fast decisions, faster completions. When it matters most, timing is everything.
Support
A dedicated relationship manager guiding you from initial enquiry to completion and beyond.
Clients' success stories

What our clients say

"

We have done several developments in partnership with Charles Street now. The team are professional, understanding and proactive to deal with.

Development partner
"

Extremely professional and always eager to assist! I would highly recommend this company. I've had the pleasure of working with them for the past four years, completing eight major deals, and I hope this successful partnership continues for years to come. A special shoutout to Jonathan Sally!

Repeat client, 4 years
"

If you want old fashioned banking, no messing about and an instant decision use this company. I've been with Charles St for 6 years and have done deals for millions of pounds. There is no one who understands the market or makes decisions quicker. Highly recommended.

Repeat client, 6 years
"

We've worked with Charles Street for over 3 years now and they've certainly been a great help in times of need on our projects — they've taken a ton of stress away when cash flow has become detrimental. Speed in this day and age is vital, and I'm happy to applaud them for this. I have no qualms recommending the team at Charles Street.

Property developer, 3 years
"

This is the first time that we have partnered with Charles Street and we have found them to be very approachable and value-added across all aspects of the development. We are already looking forward to partnering with them again on further opportunities and would not hesitate to recommend them.

First-time development partner
"

Charles Street have been a huge supporter of both me and the opportunities I have brought them over recent years. I have always found them responsive and dependable. Their experience and knowledge of the market has allowed them to be flexible when assessing potential deals and I have found this invaluable.

Broker introducer
"

Having previously worked with a number of funding partners, I was introduced to Charles Street some years ago and have always found their service proposition, advice and assistance outstanding. As the relationship has evolved across a number of developments, our shared vision has resulted in great success.

Development client
"

We used Charles Street Finance to help fund Albert Gardens, our prestigious new development in Cheadle Hulme. The process was easy to navigate whilst the valuation and drawdown procedures were user friendly. The team were proactive at every stage — we would definitely recommend Charles Street for residential development funding.

Albert Gardens, Cheadle Hulme
"

As a new client of Charles Street, having used mainstream banks historically, I don't know why any serious developer would consider using anyone other than them. Their efficiency, clarity and willingness to be available to communicate at all times meant we got our first transaction completed way ahead of schedule.

New client, first transaction
Meet the team

Our decision-making team

Whether you're a broker or direct client, you'll always have access to experienced professionals who understand your needs and act quickly to make your deal happen.

JS
Jonathan Sally
Managing Director
PK
Paul Kennedy
Chief Finance Officer
SL
Steve Lewis
Finance Director
CG
Carl Graham
Corporate Relationship Director
TG
Tom Garthwright
Head of Development Finance
IS
Ian Sutton
Corporate Lending Director
HG
Helen Gogarty
Business Assurance Director
DW
Darren Worthington
Money Laundering Reporting Officer
BP
Becky Postill
Case Manager
CT
Cameron Turpin
Senior Underwriter
PD
Paula Daniels
Senior Underwriter
SH
Stephen Hamilton
Loan Book Manager
NC
Nathan Crosthwaite
Relationship Manager
OL
Oliver Larkin
Case Manager
AH
Alex Harkness-Hall
Sales Support Executive

Headshot photography to be supplied — avatar tiles shown as placeholders.

Join the team

Would you like to work for Charles Street Finance? Email us your CV in the strictest confidence.

Send us your CV

Ready to fund your next project?

Speak directly to a decision-maker today.