|What We Do|
|Mortgage for adverse credit|
|Mortgage for self-employed with one year accounts|
|Mortgage of up to 95% for first time buyers|
|Mortgage for professionals with no accounts or tax returns|
|Mortgage for investment property|
|Mortgage for HMO and student let properties|
Our mortgage service is designed to save you time and money. As well as finding the right mortgage, we will also make sure it completes on time, making the whole process a lot less stressful.
Whether you are self-employed with only one year of accounts or a professional with no tax return, we can find the right source of mortgage for you.
Whether you are a self-employed contractor like IT or building contractor we can find the lender who will assess your mortgage application on an individual basis rather than using a systematic approach.
We work with specialist mortgage providers who offer solutions for people with poor credit histories. Even if you have CCJ or default within past 6 years we can find a mortgage lender for you. Please note that a minimum deposit of 15% will be required.
If you would like to make an enquiry with us, our advisors are available only a phone call away, or if you prefer we can call you back. Just click here to request a call back.
We have been running our business for 4 years. We were looking for flexible cash flow funding options. Berks Finance offered us 100% Finance based on our merchant sales. There was no interest rate linked with the loan and we only had to pay back when we could afford it. This was an amazing solution and exactly what we were looking for. We had never known any lender offering this type of business loan.
ML Supermarket – Birmingham
I am a self-employed doctor. I had only 10% deposit and had been practicing for only a year. I had no financial accounts or tax returns to prove my income to lenders. Mortgage team at Berks Finance found a lender who had special mortgage scheme for professionals with no tax returns. Mortgage was approved within 72 hours and I was delighted to purchase my first house that I so fell in love with.
Dr S R – Slough
We contacted Berks Finance to assist us with the purchase of a retail business that required funding for purchasing of goodwill of the business. This was unsecured funding and considered high risk by all major banks. Even our own bank had declined our proposal for funding assistance. Credit team at Berks Finance did the risk assessment on our business and structured the deal in a way that bank agreed to lend the full amount that we needed to secure the purchase.
St. Marys Enterprises – Stoke City
I was referred to Berks Finance by a mutual friend. My case was complicated as I needed to take my sister’s name out of mortgage and add my wife’s name. It was not easy as I could not qualify for a mortgage on my income alone and due to the nature of my wife’s work no lender was willing to consider her income as regular and stable. Berks Finance found a specialist lender who not only approved my wife’s income for the mortgage, they also agreed to waive the valuation fee. We found Berks Finance very professional with access to niche lenders for cases like ours.
Imran Khan – Slough
Precision Engineering & Tool Company For Sale
T/O £400,000. EBITDA £140,391 to include furniture, fixtures, inventory and stock.
Business was established over 20 years ago and is located in Devon. It offers a complete package from concept, design, and development through to production and maintenance. It operates from a 1700 square foot workshop and employ 6 staff. The negotiated price is for a sale of 100% of the issued Share Capital in the Limited company.
Opportunity to buy out management or share in a long established pharmacy. Turnover £863,903 ear ending 30/09/2012. Gross profit £288,543. Standard hours contract. Average NHS item per month 8,500. Circa 50/50 split of income from HNS/OTC.
Development Opportunity – Single Dwelling
Land for sale in Hemel Hempstead, Hertfordshire. A building plot situated in a popular residential area in Hemel Hempstead. Planning permission has been approved for a single dwelling which will comprise living room/dining room, kitchen, cloakroom, 2 bedrooms and a bathroom. Outside are gardens both front and rear and parking for two vehicles. Price £125,000
Development Opportunity – Multiple Plot
Residential development in Surrey.
Secluded Residential Development site with FULL Planning Consent granted by Runnymede Borough Council for two 4 bedroom detached properties set in gardens totaling over 1.5 acres. The site has a nature reserve adjoining and is close to the River Thames and Thorpe Park in Surrey. Price £1.5 million
Petrol Filling Station
Opportunity with major global fuels retailer if you want to run a network of owned sites as a Self Employed Retailer or to rebrand your own sites with global fuel retail brands and become one of their Dealers. Your income will depend on the type of stations you run and their locations, but potential earnings of between £70,000 and £90,000 per annum from year one (for a cluster of six sites), with the opportunity for additional earnings if you exceed targets and control your costs.