Andy is a very hardworking store owner in the United Kingdom. He didn’t inherit the property or land, rather bought it with his own money. Some time back, Andy decided that he would be better off doing business through a store. He wanted to buy a shop but had all sorts of trouble when he finally set out to buy one. One of the options he had was interest only mortgages. Andy had an exact idea about his finances and thought that the interest rates that were mentioned by the mortgage lender were too high for him to pay. Making a decision here was easy for him. He also didn’t have a regular job and made money by doing odd jobs and small businesses. 

Remortgages were also out of the equation for Andy, because he wanted to buy a single shop and didn’t want to be stuck in between two mortgages at the same time. 

This brought him down to just two options. One of them was the self build mortgages. Since, Andy was not very educated and had little knowledge about mortgage and financial companies, he was unable to make his own plan and take his own decisions regarding the payment of the mortgage. 

The only mortgage that really suited his requirements, needs and situation was the self cert mortgages. This was best suited to his situation because it didn’t require too much documentary evidence of regular income from specific sources. All Andy needed to do was to convince them that he had the finances to buy the commercial property. Andy finally bought the shop with the help of this mortgage plan.