Specialist

Commercial Mortgage For Bad Credit

Finance Solutions for Business Owners

How much do you want to borrow?

Step One
Step Two
Step Two

 

Commercial Mortgage with Bad Credit 

Clifton private finance

We specialise in refinancing or arranging commercial mortgages for those with bad credit in the UK

 
If you need a commercial mortgage, but your credit rating is holding you back, we can help.

Generally, traditional lenders are reluctant to grant commercial mortgages to those with bad credit; this may be frustrating, especially if you can afford the commercial mortgage repayments.

  • We offer an independent broker service that can help you get a commercial mortgage, even if you have bad credit
  • Our strength as a specialist mortgage broker is providing access to high-value mortgage finance
  • Finance for buy-to-let properties, blocks of flats, offices, hotels, pubs, warehouses, industrial units, factories and retail units
  • We are independent and have strong relationships with many commercial lenders, including Lloyds, HSBC, Barclays, NatWest; as well as private banks, wealth managers and specialist lenders that are not available on the high street
  • Short term bridging and long term lending options from 3 months to 30 years
  • Borrow up to 70% of the property value (in some cases this can be higher)
  • If you have assets that you would like to be leveraged as part of the transaction, such as your investment portfolio, commercial property or pensions, our team can look at leveraging these assets to negotiate more flexible lending criteria and more favourable interest rates to help you get the best deal

Call us 0203 900 4322 to discuss your requirements.

Recent

Property Finance Deals

£2.2M Buy-to-Let Mortgage for Dubai Expat Investment Property
£2.2M Buy-to-Let Mortgage for Dubai Expat Investment Property
Area
Cirencester
Capital Raised
£2.2M
Date
December 2025
£5.25M Mortgage Secured for Ultra High Net Worth Australian National with Global Assets
£5.25M Mortgage Secured for Ultra High Net Worth Australian National with Global Assets
Area
London
Capital Raised
£5.25M
Date
August 2025
Large Mortgage Based on Share Portfolio Dividend Income
Large Mortgage Based on Share Portfolio Dividend Income
Area
Cheltenham
Capital Raised
£999k
Date
December 2024

More Opportunities »

Commercial Mortgage For Bad Credit Service

Types of Commercial Mortgage

There are two types of commercial mortgage:

Owner-occupier commercial mortgages

These are often used by business owners for commercial remortgaging or purchasing commercial owner-occupied premises, for example office space. Commercial mortgage lenders generally provide up to 75% Loan to Value for an owner-occupier mortgage. 

Commercial investment mortgages

Those looking to invest in commercial property often use these, such as a House in Multiple Occupation (HMO finance). Lenders usually provide up to 65% Loan to Value for a commercial investment mortgage.

Bad Credit

There are many ways in which an individual’s credit may be adversely affected.

If any of the above applies, you may benefit from our commercial mortgage service.

Commercial Mortgage Service

Our commercial mortgage brokers can provide:

How to get a Commercial Mortgage for Bad Credit

Some traditional lenders make it difficult for people with bad credit to access commercial finance. However, it may still be possible for those without perfect credit to access the funding they need. Some specialist lenders provide commercial mortgages for people with bad credit, but these lenders are unavailable on the high street and usually use intermediaries such as professional brokers.

We have extensive experience identifying suitable commercial mortgages and arranging the best financial solutions for people with bad credit.

If you have bad credit and need a commercial mortgage, then call us on 0203 900 4322 or complete our contact form above.
What Our

Clients Say

Latest

Property Finance Deals & Insight

A person handing house keys with a wooden house-shaped keyring to a new homeowner, symbolizing the successful outcome of finding one of the mortgage best buys.
Getting the best mortgage can save you thousands of pounds, with small changes in mortgage interest rates affecting your monthly p...
04-02-2026
A person arranging small wooden model houses on a desk with a calculator and financial chart, symbolizing planning and forecasting for the UK property market.
As the new year settles in, buyers, sellers, and landlords are asking the same fundamental questions about the UK proper...
02-02-2026
An aerial view of Alicante in the sun, representing one of the best places for British expats to live in Spain.
Getting away from the dreary British weather to seek a brighter future on Spanish shores sounds like a dream for many of us, and r...
30-01-2026
Bridging Loan Interest Rates
Bridging loan interest rates are currently available from 0.55% per month, but can reach as high as 0.78% per month and ...
28-01-2026
View More »
Get in Touch

If you have any questions about our services or want to start making things happen please contact us