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Commercial Mortgage is a loan secured against a Commercial Property.  Most lenders will offer finance up to 85% of the property value (85% LTV). In some instances certain lenders may be able to offer products up to 100% LTV. Different lenders have different products but in general rates are normally linked to the Bank Offered Rate. The rate applicable is closely aligned to the loan to value (LTV) of the property you are financing. Rates start as low as 0.75% above BBR. Commercial loan products are available for people with all types of credit history, including those with CCJs, mortgage arrears, and IVA and bankruptcy (providing you have been discharged). For those with irregular income self-certification of income can be achieved if you do not have up to date accounts and business plans.

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