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Back|Bad Credit

Bad Credit Mortgages

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Commercial Mortgages for Bad Credit Borrowers

Deposit Requirements for Bad Credit Mortgages

Finding a Mortgage Offer After Rental Arrears

How Can I Repair my Credit Score to Get a Mortgage?

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Qualify for a Mortgage with Zero Credit Score

How to Secure a Bad Credit Buy to Let Mortgage

Is it Possible to Find a Mortgage After Bankruptcy?

Joint Mortgage Applicant Has Bad Credit

Back|Bridging

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Finding Regional UK Bridging Loans

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Back|Buy to Let

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Back|Self Employed

Self Employed Mortgages

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Back|Equity Release

Lifetime Mortgages

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Back|Interest Only

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Back|Mortgage Affordability

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Back|Commercial Mortgages

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Back|Property Types

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Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

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What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

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Finding a First Time Buyer Mortgage With a 5% Deposit

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Back|Offset Mortgage

How To Find the Lowest Fixed Rates on Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

Guide to Understanding UK Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages

Applying for a Mortgage With a New Job

Mortgages for Uninhabitable Property Purchases

Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

Can I Get a Mortgage While on Maternity Leave from Work?

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Commercial Mortgages with Bad Credit

How can you get a great commercial mortgage if the business, owners, or directors have an adverse credit history? Here we explain how to mitigate bad credit issues and get your loan approved.

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Property or loan details

Based on your details, you can borrow up to:

£0

Get a Quote

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Commercial Mortgages with Bad Credit

Businesses often assume that because they have bad credit, it will be impossible to secure a commercial mortgage. The Revolution team also receives regular enquiries from companies who have been turned down for mortgage finance and hadn't realised that a minor credit issue was going to cause such a problem.

Here we explain the ins and outs of bad credit commercial lending, and why working with an experienced broker is key to finding the mortgage lending you need.

For more help and advice, contact the mortgage brokers team on 0330 304 3040 or via email on [email protected].

Can My Business Get a Commercial Mortgage with a Bad Credit History?

Contrary to popular belief, yes you can - and the right lender all depends on whether the business itself has had issues, or whether the business owner or directors have experienced the adverse credit.

The commercial mortgage market is enormous, and multiple specialist lenders can offer lending on terms that are adapted to your circumstances.

As a whole-of-market broker, Revolution Brokers can recommend any lender and any product in the UK, so there is always an option!

Already Interested, Let’s Get Started!

The following

topics are

covered below

Is it Possible to Get a Commercial Mortgage if my Credit File Shows Defaults?

Are There Business Mortgages for Applicants with Repossession on their File?

How Can I Get a Commercial Mortgage with a Low Credit Score?

How Can I Get a Commercial Mortgage if I Have Bad Credit?

What are the Other Important Eligibility Factors In Addition to a Credit Check?

Which Broker Can Help Me Find a Commercial Bad Credit Mortgage?

What Does a Non-Status Commercial Lender Mean in Mortgages?

Professional UK Support with Bad Credit Business Mortgages

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Whole of market brokers

Mortgage that suits you

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Is it Possible to Get a Commercial Mortgage if my Credit File Shows Defaults?

A default isn't as severe as bankruptcy, for example, but it can mean that a mainstream lender will automatically refuse your application.

If your default was within the past year, it narrows the number of lenders to apply to, but there are still specialist lenders who can help.

The longer ago your credit issues, the easier it is to find competitive lending. We can also offer advice about ways to make a bad credit commercial mortgage application more attractive and lower risk for lenders.

Are There Business Mortgages for Applicants with Repossession on their File?

While repossession is severe, you can find commercial mortgage lenders who will take a case-by-case view on whether to approve your application.

If the repossession was in the last year, it is vital to consult an expert bad credit broker who can negotiate terms with a lender.

How Can I Get a Commercial Mortgage with a Low Credit Score?

In many cases, commercial lenders aren't concerned with a credit score as such but will be more interested in whether adverse credit issues are showing on your file.

Commercial lending is more flexible than in residential mortgages, so there is always room to negotiate and leverage business performance to mitigate the risk of a bad credit scenario.

How Can I Get a Commercial Mortgage if I Have Bad Credit?

The best option is always to work with a professional, independent broker who can evaluate all other lending criteria as well as the bad credit issues to work out which lenders are best placed to approve your lending.

For example, you might be able to offer a larger deposit, or additional security, which will reduce the risk and ensure that you comply with the eligibility requirements of a specialist bad credit lender.

What are the Other Important Eligibility Factors In Addition to a Credit Check?

Credit checks are one of many assessments that a commercial mortgage provider will carry out. So if you have bad credit but can meet every other criterion, you have a much better chance of negotiating competitive rates.

Business profits - lenders will want to check your operating profit levels and ensure that the company can afford to keep up with the mortgage repayments.
Deposit - the higher the deposit, the lower the risk. Most commercial mortgages require between 20% and 40% as a deposit, but you can always offer a higher deposit or additional security.
Trading history - the longer you have been trading, and the stronger your industry experience, the better your application will be.
Business projections - if you can demonstrate viable business plans and forecasts, this may offset any concerns raised around bad credit issues.

Which Broker Can Help Me Find a Commercial Bad Credit Mortgage?

Brokers are essential in this scenario, as it can be impossible for a business to know which lender to apply to, or understand where the best rates are available.

Dealing directly with lenders can also be damaging, as if you apply to a lender whose criteria the business doesn't meet, they may still run hard credit checks. These appear on your credit file and can be detrimental to your credit score, even if the lender running the checks rejects your application.

Give the Revolution Brokers team a call if you need to find a commercial mortgage in a bad credit scenario.

What Does a Non-Status Commercial Lender Mean in Mortgages?

This sort of lending should be a last resort and not a viable alternative to a reputable lender recommended by your broker.

Non-status commercial mortgages are offered to businesses unable to meet the requirements of a mainstream lender. However, this product is FCA regulated and has been clamped down on, so are few and far between.

Our advice is always to consult an expert before going ahead with a non-status commercial mortgage as there are very likely to be more competitive products available.

Professional UK Support with Bad Credit Business Mortgages

If you've struggled to find commercial mortgage lending, or are concerned about the impact of bad credit on your application, give us a call.

The Revolution team are bad credit experts and will ensure that you get the best deals on the market. Get in touch at 0330 304 3040 or via email at [email protected].

Almas Uddin

Founder and Mortgage Advisor

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As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Commercial Mortgages with Bad Credit

Discover What Our Customers

Property or loan details

Based on your details, you can borrow up to:

Commercial Mortgages with Bad Credit

Can My Business Get a Commercial Mortgage with a Bad Credit History?

Whole of market brokers

Mortgage that suits you

On time customer support

Is it Possible to Get a Commercial Mortgage if my Credit File Shows Defaults?

Are There Business Mortgages for Applicants with Repossession on their File?

How Can I Get a Commercial Mortgage with a Low Credit Score?

How Can I Get a Commercial Mortgage if I Have Bad Credit?

What are the Other Important Eligibility Factors In Addition to a Credit Check?

Which Broker Can Help Me Find a Commercial Bad Credit Mortgage?

What Does a Non-Status Commercial Lender Mean in Mortgages?

Professional UK Support with Bad Credit Business Mortgages

Further Reading

Asset Finance & Working Capital

Commercial Mortgages

Property Investment Finance

Commercial Remortgages

Semi Commercial Mortgage

Business Expansion Finance

Cash Flow Loans

Invoice Finance

Partnership Buyout Finance

Hire Purchase

Lease Purchase

Interest Only Commercial Mortgages

Mortgaging Land Purchases

Commercial Property Finance

Mortgage Interest Rates on Commercial Borrowing

Commercial Mortgages for Land Investments

Mortgages for Pub Businesses

Bridging Loans for Commercial Mortgages

Commercial Mortgages for Large Investments

Commercial Mortgages for B&Bs

The Revolution Guide to Commercial Mortgages

Choosing a Broker for a Commercial Mortgage

Remortgaging Commercial Property

Care Home Commercial Mortgages

Commercial Mortgages with Bad Credit

Second Charge Mortgages on Commercial Property

Buying a Business Through Mortgage Lending

Deposits Required on Commercial Mortgages

UK Hotel Mortgages

Affordability Criteria in Commercial Mortgages

Pros and Cons of Commercial Mortgages

Buy to Let Mortgages for Businesses

Mortgage Terms on Commercial Lending

Commercial Mortgages for Pharmacies

Commercial Mortgages for Dental Practices

Applying for a Large Commercial Mortgage

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