Self Cert Commercial Mortgages

With a self cert mortgage or self certification commercial mortgage you don't have to provide accounts, payslips or company accounts to prove your income. We provide simple hassle free mortgages for business and commercial property. Full Self Cert Income, no business plans or accounts required on our self-cert commercial mortgages. If you are looking to remortgage your existing business property to capital raise for cash flow purposes or for purchasing another property, then in most cases we can offer remortgages up to 85% of the property value.

We offer mortgages secured against business and commercial property on a self certified income basis for applicants with little trading history or are otherwise unable to provide full accounts of the business or rental income from the tenant. 

Commercial mortgages without proof of income arranged

Maximum loan to value: 85%

Mortgage arrears CCJ's and adverse accepted

Discharge bankrupts accepted

Interest only schemes available

No business plans required

Tenanted with Low rental income property

No Accounts

No Wage slips or proof of earnings

Enquire Now. No Broker Fees on our non status and Self Certification commercial mortgages.

Other accepted proofs of income we can use to obtain enhanced terms with our panel of commercial lenders on a self certified basis.

• Accountants letter to confirm income (Accounts not supplied).
• An accountant certificate.
• Tenancy agreements to show rental income from your property.
• Partial Accounts - one year's audited.

 Examples of previously approved property types with up to 85% LTV on our self-cert mortgage schemes

• Shop with flats above
• Take-Aways
• Restaurants
• Pubs & Restaurants (with or without self-contained residential accommodation)
• Retirement Homes and residential care homes
• Nursing Homes with owners accommodation
• Guest Houses and Bed & Breakfast
• Retail premises
• Office Buildings
• Warehouses
• Buy-to-Let investment property
• Houses of Multiple Occupancy (HMO)
• Garage showrooms
• Hotels
• Light Industrial property
• Holiday Let Property
• Equestrian centres with residential accommodation
• Block of flats
• Houses in Multiple Occupancy
• Freehold flats and maisonettes
• Flats above commercial properties
• Ex Local Housing Authority properties
• Studio flats and bedsits
• Multi unit properties
• Commercial industrial units
• Commercial property development
• Farm Property and Land
• Professional Practices  Dentists - Architects - Accountants (up to 100% Financing available)
• Retail Sectors
• Private Schools and Nursery

 If your property type is not listed above, please enquire - we may still be able to help.

If you would like to speak to an advisor telephone us on 0800 496 95 95 and tell us your requirements for a commercial mortgage or business finance. Or if you would like to make an enquiry online now, please click below and enter your details. We will email. If you enquiry is of an urgent nature please telephone us where we will do our best to assist you right away.

Or call free 0800 496 95 95