UKCommercialMortgage.com can easily arrange adverse commercial mortgages. The UK commercial mortgage lenders that work with us specialise in giving commercial mortgages to borrowers and businesses who might have bad credit problems now and in the past including CCJ's and mortgage arrears. UK commercial mortgage can get you a decision in principle normally within 10 minutes of your enquiry.

Potential Problem	Mortgage Available?
CCJ’s or Arrears	Yes
No Accounts	Yes
Self certification (self cert)	Yes
£50k to £2m required	Yes
Up to 85 percent LTV	Yes
Up to 90 percent for sitting tenants	Yes
100% LTV (additional security required)	Yes
10 to 30 years term	Yes
Interest only option	Yes
Capital raising for any purpose	Yes

A business’s credit history is regularly monitored by credit rating agencies such as experian and equifax. The information reported by them is mainly provided by creditors and includes details of the association a business has with the lender. Detailed account info including credit limits, balances, payment history, and any actions that were taken to recover debts are all reported to them regularly.

Credit scoring assesses the probability that a business will repay a commercial mortgage or loan. The higher the score the better the credit history and the higher the chance that the commercial mortgage will be repaid on time. When creditors report excessive amount of late payments the credit score is reduced. Also when adverse judgments are reported even bigger reductions are made on the score. Repeated reductions on the credit score can cause a negative credit rating for the business or adverse credit history.