Charlotte Beasley | Director of CMJ Commercial Mortgages Ltd

Charlotte Beasley is the Director of CMJ Commercial Mortgages Ltd and a mortgage broker based in Stourport-on-Severn. She provides straightforward mortgage and finance advice to clients across Worcestershire and surrounding areas, helping individuals, landlords and business owners navigate a wide range of property finance solutions.

With experience supporting residential buyers, landlords and commercial borrowers, Charlotte focuses on delivering practical guidance tailored to each client’s financial position and property goals. Her approach is centred on transparency, communication and understanding the specific requirements of each case before making recommendations.

Residential Mortgages, Buy-to-Let Mortgages, HMO Finance, Limited Company Mortgages, Commercial Mortgages, Bridging Finance & General Insurance

Mortgage advice is tailored to your individual circumstances and provided in line with current UK regulatory standards.

Mortgage Broker in Stourport-on-Severn

Finding the right mortgage can be challenging, particularly when lender criteria, affordability assessments and property types vary significantly between providers. Charlotte works closely with clients to explain available options clearly and support them throughout the mortgage process from initial enquiry through to completion.

Whether you are purchasing your first home, moving property, refinancing an existing mortgage or expanding a property portfolio, advice is based on suitability, affordability and long-term objectives.

Clients may include:

• First-time buyers entering the property market
• Home movers reviewing mortgage options
• Landlords purchasing buy-to-let or HMO properties
• Limited company directors seeking property finance
• Investors purchasing commercial or mixed-use properties
• Borrowers requiring short-term bridging finance

Each application is assessed individually, and lender approval remains subject to underwriting and eligibility.

How Mortgage Advice Is Delivered

Every enquiry begins with a detailed discussion to understand your financial circumstances, property objectives and borrowing requirements. This helps ensure recommendations are appropriate for your situation.

The process may include:

• Reviewing income, expenditure and existing commitments
• Explaining mortgage products and repayment options
• Discussing lender criteria and affordability requirements
• Supporting communication with lenders, solicitors and estate agents
• Providing updates throughout the application process

Clear explanations are provided throughout without unnecessary jargon, helping clients make informed financial decisions with confidence.

Areas of Expertise

Residential Mortgages: Charlotte supports buyers purchasing a main residence, whether they are first-time buyers, moving home or remortgaging an existing property. Advice is tailored around affordability, deposit levels and future plans.

Buy-to-Let Mortgages: Landlords purchasing or refinancing investment properties can receive guidance on buy-to-let mortgage options, including portfolio expansion and rental affordability considerations. Tax treatment depends on individual circumstances and may change in future.

HMO Mortgages: Finance for Houses in Multiple Occupation can involve more complex lending criteria. Charlotte assists landlords seeking funding for HMO purchases, refinancing or portfolio growth, subject to lender requirements.

Limited Company Mortgages: Many property investors now purchase through limited companies. Charlotte provides guidance to borrowers seeking mortgage solutions for Special Purpose Vehicles and limited-company property structures.

Commercial Mortgages: Commercial mortgage advice is available for clients purchasing or refinancing business premises, investment properties and mixed-use buildings. Lending is subject to lender criteria, valuation and affordability assessments.

Bridging Finance: Short-term bridging finance may be suitable for time-sensitive purchases, refurbishment projects or chain breaks. Advice is based on the intended exit strategy and overall suitability.

General Insurance: Charlotte also supports clients with general insurance solutions to protect property interests and financial commitments.

Supporting Different Client Circumstances

Charlotte understands that every client’s financial situation is different. She has experience assisting:

• Self-employed applicants with variable income
• Property investors building portfolios
• Landlords refinancing existing properties
• Business owners purchasing commercial premises
• Clients requiring flexible lending solutions

Recommendations are based on individual circumstances, and outcomes cannot be guaranteed.

Local Mortgage Advice Across Worcestershire

Charlotte is a Mortgage Broker in Stourport-On-Severn who works with clients in Stourport-on-Severn and the surrounding parts of Worcestershire.

• Kidderminster
• Bewdley
• Worcester
• Droitwich Spa
• Bromsgrove
• Redditch
• Malvern

Advice may also be provided remotely where appropriate.

Speak to Charlotte Beasley

If you are looking for a mortgage broker in Stourport-on-Severn, Charlotte Beasley and CMJ Commercial Mortgages Ltd can provide clear and professional guidance tailored to your circumstances.

Mortgage advice should always be based on affordability, suitability and your long-term financial objectives.