About Commerce1
adverse credit commercial mortgages

Commerce 1 is a master broker and commercial mortgage packager helping individuals seeking help on commercial financing as well as dealing with professional introducers such as IFA's, mortgage brokers, Accountants and others looking for a commercial mortgage partner to help them place commercial finance cases...

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We offer mortgages and loans from small £25,000 loans right through to large scale funding, - Was a client introduced to us via an IFA, seeking a self cert commercial mortgage to clear HMRC debts..

Posted in Cases on February 13, 2010
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Self cert commercial mortgages

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.

Commercial Mortgages self cert

With the Commercial mortgage rates and commercial mortgage lenders becoming tighter in their commercial lending criteria, let us help you find the best commercial mortgage rate deal from our large panel of commercial mortgage lenders and compare Commercial Mortgages and the best deals... A commercial business mortgage provides an excellent business finance solution for a company to purchase land, property or acquire an existing business. Commercial business Mortgage Lenders do tend to only lend on the 'bricks and mortar' not goodwill. Commercial Lenders will want to secure a first charge over the property in order to secure their finance. The pricing of self cert Commercial Mortgages is significantly more complicated than the residential market. Unlike the residential market, there is an ability to, at times, negotiate and that’s where we can add our greatest value to your transaction. The business mortgage rate will depend on numerous factors, not just current mortgage interest rates, but also the track record of the mortgage borrower, the credit history of the commercial mortgage borrower (and that of any commercial tenant, if you are letting the business property), whether you are full status or require a self cert commercial mortgage, the past and projected performance of your business, and often it is dependant on any additional security you can offer.

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.

self cert commercial mortgages

Please Note: Commercial Mortgages are NOT regulated by the Financial Services Authority as they are regarded as a commercial investment transaction.

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 65% 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. 

Compare Commercial business Mortgage rates from a wide range of commercial mortgage lenders - Let us help you find a great commercial mortgage deal that meets you needs. We can help source commercial mortgage rates for; shops, cafes, bars, restaurants, takeaways, shops with flats above, guesthouse B&B's, offices, warehouses, industrial units, kennels, farms - you name it !

We Individually review a case and see how we can make this fit a lenders criteria to get clients the best commercial mortgage or refinance deal.

For a FREE quote on Commercial / business insurance, Liability insurance - >>click here<<

Mezzanine Finance

Mezzanine financing or development finance is a particularly appealing form of liquidity for owners of privately held companies. It is traditionally understood that a privately held company simply cannot achieve the same sort of fluid capital flow as a publicly held company, but mezzanine financing offers a way to balance that situation without going public. In addition to the fact that mezzanine financers do not retain an interest in the company except in the event of a default, there is also the important consideration that they actively do not want an interest in the company. While traditional equity investors are often striving towards some level of control, a displeasing thought to many private owners, with mezzanine financing one can rest assured that the financers will do what they can to ensure you pay off your debt without resorting to default. Because of the lack of real collateral, as well as the high speed of lending, mezzanine financing is typically more difficult to receive than a traditional bank loan or equity financing. A company must demonstrate an established track record in its industry, show a profit or at the very least post no loss, and have a strong business plan for future expansion. Because of these limitations, mezzanine financing is not for every business. For businesses looking for a quick injection of capital to grow their already successful business, without giving up an interest, mezzanine financing can be an ideal solution.

70% - 100% Development finance

There are now several specialist property development lenders who will consider loans far in excess of the bank solution. Many of these specialist lenders will fund 70% of the site value and 100% development finance for the build costs.  Some will even lend 100% of the full costs, including professional fees and interest roll-up.

100% development finance

Property development finance is the term used by lenders and brokers to describe the funding solutions to help property developers undertake projects.  These projects can range from refurbishment of a residential dwelling to new-build schemes.  So what types of project would qualify for 100%  property development finance?

The challenge for the property developer is to fund the acquisition of suitable property and have enough working capital left to finance the development work. Historically banks would lend around 70% of the purchase price and 70% build costs. However, these loans are usually reserved for experienced developers or individuals with a high net worth.

Legal stamp duty tax savings - agreed by HMRC Commerce 1 can help you save nearly 50% off your stamp duty tax - LEGALLY ! See below for examples on how much we could typically save you on stamp duty taxes. It works on a simple no win no fee basis (other than an £895 initial applicaton fee) which is minimal when you could be saving £10,000 - £30,000- so you have nothing to lose. Your property purchase MUST be valued at £400,000+ to qualify for the tax exemptions. Compare Commercial business Mortgage rates from a wide range of commercial mortgage lenders - Let us help you find a great commercial mortgage deal that meets you needs. We can help source commercial mortgage rates for; shops, cafes, bars, restaurants, takeaways, shops with flats above, guesthouse B&B's, offices, warehouses, industrial units, kennels, farms - you name it ! We Individually review a case and see how we can make this fit a lenders criteria to get clients the best commercial mortgage or refinance deal. Try Commerce1 For a FREE quote on Commercial / business insurance, Liability insurance - >>click here Self cert Commercial Mortgages With the Commercial mortgage rates and selft cert commercial mortgage lenders becoming tighter in their commercial lending criteria, let us help you find the best self cert commercial mortgage rate deal from our large panel of commercial mortgage lenders and compare self cert Commercial Mortgages and the best deals...

Bridging Finance

Commercial bridging finance is a loan, or short-term mortgage, usually for a period of 12 months or less, which may be used towards the purchase of a property, to consolidate debts or to resolve a temporary cash flow situation within a commercially operated business. The loan or short-term commercial mortgage is secured against existing property.

self cert commercial mortgages

 

Commercial Bridging Loans

Bridging finance offers the opportunity to access funds at short notice to meet urgent funding requirements when long term facilities cannot be made quickly available to meet a dead-line. We are affiliated with a number of lenders who are experts in this field.

How does a development bridging loan work?

Non-status bridging loans offer funds purely against the equity in the property offered as security and generally take no account of the applicants income or previous credit history. However previous credit problems always needs to be declared. The amount that can be raised with bridging finance depends on the equity available, whether the loan is to be a first, second or even third charge loan. The maximum loan to value will vary with market conditions, see our criteria for what may be achievable today. Mortgage Advice Wakefield Leeds LIFT scheme edinburgh first time buyers BTL Mortgages Buy To Let Mortgage portfolio mortgage lending Bad Credit Mortgage help IVA Mortgage advice IVA mortgage 4th year final settlement Mortgage Arrears Help IVA Remortgage rates clear IVA with mortgage Previous cleared IVA Mortgage mortgage with CCJs Mortgage cleared ccjs previous Ex Bankrupt Mortgages Mortgages for ex bankrupts Mortgages for discharged ex bankrupt people discharged Bankrupt Mortgages Commercial Mortgages foreign nationals guest house Commercial Mortgage purchase B&B hotel Commercial Mortgage purchase Commercial Remortgages Commercial Mortgages Self Cert Self Certify commercial mortgage no accounts Farm Commercial Mortgages Key Person life Insurance free directory listing one way text links free directory listing DEEP text links avoid stamp duty tax save stamp duty tax self cert commercial mortgages commercial Bridging Finance 100% Development Finance