The Mortgage Cafe

Commercial Mortgages for Poor or Adverse Credit

Adverse Credit Commercial Mortgages

We have a specialist commercial lender who can assist with commercial and semi-commercial mortgages in instances where a past credit incident is now causing a problem with obtaining a traditional commercial mortgage.

This can accommodate the following situations:

  • Poor credit history
  • Low credit score
  • Late credit payments
  • Missed mortgage payments
  • Defaults
  • County Court Judgments (CCJ’s)
  • Declined elsewhere
  • IVA’s
  • Discharged Bankruptcy
  • Repossession proceedings
  • Finding it difficult to get credit
  • Debt management arrangements

Commercial Mortgage Quotes

Lending Guideline

Outline of lending for adverse credit commercial mortgages

  • We can offer the following on semi-commercial property
  • Borrow from £25,000 to £5m
  • Mortgage terms up to 30 Years
  • Up to 75% of the property value or purchase price
  • Repayment or interest-only options. Please enquire for terms to fit your circumstances and requirements

Investing in Commercial Property

Examples of property

  • Retail shop with owners accommodation
  • Office units
  • Retail units
  • Shops & high street retail
  • Restaurants
  • Pubs & licensed trade premises
  • Cafe’s and hot food outlets
  • Bars & Bistro
  • Light industrial units
  • Warehousing
Available on-line at