Mortgages for businesses or traders with the option to
self certify their business income are now available to
any commercial organisation unable to find the funds
through their own banks.

Requirements
You can self certify your business income rather than having to prove income by accounts.
Because the mortgages are secured on the property there is no requirement for you to give guarantees, forecasts, bank statements or projections. Just tell us what your income is or expected income will be. Adverse credit is acceptable

Purchase your business premises.
You can purchase your business premises and here are a few of the examples. You may be offered the property as a sitting tenant, your family may offer you the property due to retirement, it may be a new business for sale (only the property purchase can be financed though) a partner may want you to buy them out by purchasing the property or you can purchase commercial properties as an investor. This is similar to buy to let.

Property
Any freehold or long leasehold business property is acceptable for a commercial mortgage but please see the list of business types in our home page link. Only the property purchase can be funded, not the business.

Mortgage amount
The maximum without additional security is 65% over a maximum term of 30 years. You could borrow more if as a tenant, for example you are offered the property at a discounted price. We could remortgage your home if you do not have enough deposit.