Mortgages for Business and Commercial

Specialist in commercial and semi commercial mortgages. Retail, Offices, Hotels and more! Market leading rates. Call or apply online

Commercial & Business      90%LTV Buy To Let       HMO Mortgages     Residential Mortgage   Fast Bridging Loans 

 

Self Cert Mortgages

Self Certification also known as 'no document' or 'no proof of income' mortgages

self cert 85 remortgage
Mortgage sourcing system for finding suitable products

For self employed applicants and employed applicants with higher actual income than what can be proven with business accounts or income references such as a P60 Payslips, it can be difficult to qualify for the amount of mortgage required. While there may be enough income to afford the monthly mortgage payments each month, there may not be enough income that can be proven on paper. For someone who is Self employed the accountant may have done an excelent job of keeping the profit figures low to keep down the tax bill, but when it comes to applying for a mortgage the bottom line net profit figures are not strong enough for the mortgage lender to base the loan on. 

Self Cert Mortgages

Paying too much for your mortgage? Remortgage and save thousands!

A Mortgage lender will calculate the total loan advance they can offer based on the annual salary stated on payslips (for employed applicants) or for self employed applicant upto 3 years accounts are often required where the net profit figure will be used for the lending multiples.

Self cert mortgages
Self cert loans for homeowners

Self Certification of income on a mortgage application can take into account the total household income, that is earnings from cash in hand work, bonus comissions, investment income, offshore derived earning, and even money earned online. For the self employed applicant he may declare total earnings, profits and even projected profits for new business lines.

Find out more on self cert mortgages here , or call us today to speak to a mortgage adviser. Freephone 0800 496 9595.

We can offer:

Self Cert Commercial Mortgage: Commercial Mortgages with no proof of accounts

Self Cert Bridging Loans: Finance the purchase of property from auction

Self Cert Development Finance:

Self Cert Property Development loans: Funding for new build property development

Self Cert Property Refurbishment Mortgages: Unique mortgages to purchase property for renovating to resale for profit or BTL.

 

 
 

Yes To Commercial mortgages

YES: Up to 100% Lending
YES: Self-Cert up to £10m
YES: Commercial refinance
YES: Start up Business
YES: CCJs or Bad credit

YES: Competitive rates

Commercial mortgages

BTL & HMO Mortgages

Yes To Development Finance

YES: Up to 100% Funding
YES: Self Builds
YES: Land with no planning 
YES: Renovation loans
YES: Development loans 

YES: Commercial development

Business Funding

Yes To BTL & HMO Letting

YES: 90% LTV BTL
YES: Self Cert Income
YES: No rental asessment 
YES: No ERC's or HLC
YES: Portfolio refinance

YES: Low interest rates

BTL HMO Let Mortgage

Yes To Bridging Finance

YES: Up to 85% LTV OMV
YES: 100% Purchase price
YES: Funds in 10 days
YES: Development Finance
YES: No Hidden Charges

YES: Rates from 0.99%/mth

More info on Bridging Finance

Yes To Corporate Business Finance
Corporate Business Finance
Management Buy Out Financing
Asset Funding & Trade Finance
Factoring
Invoice Discounting

 

Accepted property types

Semi Commercial Property
Hotels & Hotel Redevelopment
Offices - Office Blocks
Retail Shops -W/wo Flats Above
High street Retail premises
Warehouses & Distribution centers
Take aways -W/Wo Flats Above
Buy-To-Let portfolios
Multiple Occupancy (HMO)
Bed and Breakfast Houses
Restaurants
Pub Leases & Freehold public houses
Veterinary Surgeries
Private healthcare Clinics
Nursing homes
Doctors & Dental Surgeries
Property Development Finance
Industrial Units
Factories & Production plant machinery
Farms & Agricultural Machinery
Franchising
Land with or without planning
Motor trade & Garage Forecourts
Leisure Premises - Health Clubs - Gyms
Site Redevelopment opportunity finance

 

 

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