Welcome to the Self Cert Commercial Mortgage section of the CPFC website. We can offer mortgages for start up businesses, or mortgages where there has been adverse credit history, with no proof of income, CCJ's, defaults, IVA or previous bankruptcy on most types of property in the UK. This section highlights some of the terms available.
CPFC negotiates self cert commercial mortgages with a large range of lenders including major banks, mutual building societies, niche providers and specialised commercial mortgage lenders.
Typically, we can arrange self cert commercial mortgages up to 85% loan to property value dependent on the type of property.
Arranging a Self Cert Commercial mortgage can be a complex process. If you would like clear, independent impartial advice on the best commercial mortgage to suit your needs please telephone us for further information, use our call back facility or complete the enquiry form.
We do not charge any broker fees
To calculate your commercial mortgage payments, please use our online loan repayment calculator.
| Scheme Style | Early Repayment Charge | Loan to Value (LTV) | Lenders Fee | Description | Enquiry Form |
|---|---|---|---|---|---|
Self Cert Owner Occupier/Investment mortgage |
Refer |
refer |
refer |
refer |
We can provide Self cert commercial mortgages for most property types, including:
- Office
- Retail
- Industrial
- Warehouses/retail park
- Multi occupancy serviced offices
- Mixed commercial & residential
- Hotels
- Guest houses
- Public houses
- Restaurants
- Nursing homes
- Day nursery
- Doctors/Dentists/Vets
- Leisure
- Agricultural
- Equestrian centres
- Land
Typical self cert commercial mortgages and remortgages arranged by us for clients range from £50,000 to £2M. All commercial finance is tailored to meet the borrower's needs. Commercial mortgage structures available to clients can include:
- Variable and fixed rates
- Interest only mortgage periods
- Terms of up to 30 years
Clients can use the following borrowing vehicles
- Personal
- Partnership
- Limited company
- Limited Liability Partnership (LLP)
We are able to deliver rapid commercial mortgage funding to clients and to meet tight purchase deadlines eg auction purchases. Where the funds are needed more urgently, we may be able to assist using Bridging loan finance.
