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Self Cert Commercial Mortgages

We arrange commercial mortgages and remortgages for companies, individuals, self employed or employed, we can even get this arranged on a self cert commercial mortgage basis.

You want raise cash to consolidate debts, buy new stock or use the funds to further you business, or you may want to buy a new property.

You may have adverse credit status and may not be able to prove your income which can cause a problem. This is where the self cert option becomes useful. Most lenders will require 3 years audited accounts, if you do not have this then being able to self cert your income will assist you greatly.

For commercial mortgages self cert was not an option for quite a while but can be used nowadays. Most commercial lenders have a greater understanding of the self employed market and will take an even view to make sure you can afford what you say you can.

We can use the self cert commercial mortgage option for start ups, if you don't have full accounts, you have adverse credit, or if your accounts don't show enough, then we can use the self cert option.

We can cover semi commercial, retail, industrial, leisure etc.

With a self cert commercial mortgage you can declare your income without needing to show lots of proof you earn that income. This would be normally be for self employed people, but we can also use the self cert option for the employed too.

We can arrange up to 89% of the property value on a self cert basis.

Your home may be repossessed if you do not keep up repayments on your mortgage. Be sure that you can afford the repayments before entering into a credit agreement.