Having a bad credit rating makes life that little bit harder when it comes to applying for any financial product. Here at a commercial mortgage 4 you we can help even if your credit is adverse or impaired. We can find the right lender for you based on your circumstances.

started to increase on a healthy basis, lenders then started to take a more flexible attitude in the field of residential and commercial lending.With the new millennium came a new breed of Commercial lenders who will accept clients who have had a history of bad or adverse credit and although terms may be more harsh then you would find on the high street, it has enabled a number of clients who previously would have failed the credit score, to purchase a Commercial property. We are now able to offer a number of schemes with various lenders who will accommodate clients who are unable to prove their income and who may not have a very long period of trading together with a history of adverse credit.

This type of lending would of been almost unheard of a few years ago but now we have a scheme to suit almost any level of historical problems provided that the lender is comfortable with the level of security offered. Having Bad Credit is not the barrier it once was to having a commercial loan.

Most Commercial lenders historically offered Commercial mortgages at no more then 75% loan to value. Here again we have a far more positive and flexible approach from a number of lenders who will now consider up to 85% loan to value even with clients who are unable to prove their income or who may have had adverse or bad credit in the past. These schemes are seen by the lenders as a short term answer to attract a new level of clients into the market place who can review their options in the future when their credibility has improved and their trading position maybe more attractive to a high street lender. We can exceed the 85% in cases where clients have other additional security.

Funding

Buy to Let

Until recent times most lenders were unwilling to assist people who have had a history of bad or adverse credit. Following the recession in the late 1980's a number of clients who had been repossessed or who had attracted county court judgements or other adverse credit,found it almost impossible to arrange a mortgage or other finance. When the residential mortgage market revived in 1996 and property prices