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The Simple Process - frequently asked questions

 

  1. Call or email us to tell us the amount you need. A fully-qualified CeMAP Mortgage Officer will give you an instant decision-in-principle.
  2. The paperwork will then be personally delivered to you by someone who will help you to complete it and bring it back to us for processing as fast as possible. Or, if you prefer, it will be sent to you by post or email.
  3. The survey is booked as soon as the remortgage or mortgage is agreed so your application is processed without delay.
  4. We issue the mortgage offer.
  5. After all the legalities are completed, the funds are released.

 

FAQ -Will you have to go through my books?


No, unlike other commercial lenders our approach means that we don’t need to see your books. We offer a self-certification option and can handle everything over the phone.

FAQ -What are your interest rates?

 

At Speaking Commercial, we pledge to provide you with the most competitive interest rate available in line with your particular set of circumstances. We have access to the whole of the commercial mortgage market and will make every endeavor to provide you with the best mortgage to suit your needs. Call to discuss your requirements and we’ll happily give you a quotation.

FAQ -How much can I borrow?

 

We can lend you any sum between £50k and £10m, depending on the property.
FAQ -What if I can provide full or partial accounts?

 

The more information you can provide us about your business the better. It may mean we’ll be able to offer you a lower rate of interest, comparable with that of the High Street lenders.

FAQ -What if I’ve been refused elsewhere?

 

Don’t worry. We specialise in providing commercial mortgages for those who have found it difficult to obtain a commercial mortgage from the traditional High Street lender.
FAQ -What if I have CCJs or arrears on my mortgage?

 

No, we look past your financial and credit history. Whatever your circumstances, there’s a good chance we could provide the funds you need.

FAQ -Are there any restrictions on how I use the money?

 

No, it’s your money. You decide how best to use it.
FAQ -How long before I receive the funds I need?

 

We can provide you with a lending decision (in principle) within minutes and the funds you need within a few short weeks.