Non Status & Self Cert Mortgages
Specialist mortgages for businesses that don't fit traditional lending criteria.
Not every borrower fits the standard lending criteria of mainstream banks. Self-employed individuals without conventional accounts, company directors with complex remuneration structures, property investors with adverse credit history, and offshore entities all face significant challenges in securing commercial mortgage finance through conventional channels.
Aberdeen Corporate Finance specialises in sourcing non-status and self-certification mortgage products from specialist lenders who assess each application on its individual merits — focusing on the quality of the asset, the strength of the equity position, and the credibility of the exit strategy, rather than applying rigid, tick-box underwriting criteria.
Specialist Lending Solutions
Adverse Credit Lending
Specialist lenders who consider borrowers with CCJs, defaults, missed payments, IVAs, and even prior bankruptcies. Each case is assessed individually on its merits, with emphasis on the asset quality, equity position, and exit strategy.
Self-Certification
For self-employed borrowers, company directors, and contractors who cannot provide standard income verification. Self-cert products allow you to declare your income without the need for SA302s, tax calculations, or company accounts.
Complex Ownership Structures
Lending through SPVs, offshore companies, trusts, and pension funds. Many mainstream lenders decline applications from non-standard structures, but specialist providers actively accommodate them.
Non-Standard Property Types
Finance for properties that fall outside mainstream lending criteria — including mixed-use buildings, HMOs, properties above commercial premises, unusual construction types, and properties with short leases or restrictive covenants.
Light Documentation Mortgages
Reduced documentation requirements compared to high-street lenders. Some products require only a basic application form, ID verification, and asset valuation — making them ideal for borrowers who value speed and privacy.
Foreign National Lending
Finance for non-UK residents and foreign nationals purchasing or refinancing commercial property in the UK. We access lenders comfortable with overseas applicants, including those without a UK credit footprint.
Who Can Benefit?
Typical Terms
Maximum LTV
Loan Terms
Minimum Loan
Fastest Completion
Important Notice: Aberdeen Corporate Finance Limited acts as a commercial finance broker and introducer. Non-status and self-cert mortgages typically carry higher rates than standard products. All facilities are subject to status, valuation, and lender criteria. Your property may be at risk. Aberdeen Corporate Finance Limited is not regulated by the FCA and does not provide regulated mortgage advice for residential property.
Declined by Your Bank?
We specialise in finding solutions where mainstream lenders cannot. Contact us for a confidential discussion.
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