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Business Mortgage Bad Credit

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.54%Reverts to 3.99% after 2 years

Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

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If you are looking to take out a business mortgage with bad credit, it is an unfortunate fact that this may act as something of a deterrent for lenders, and you may be expected to pay more for your mortgage.


Although the process can be more difficult, it is important to remember that there are still many lenders who may be willing to offer you a business mortgage with bad credit. However, your monthly repayments are likely to be comparatively high compared with someone who has a good credit rating.


Our partners at B2B Mortgage Brokers may be able to offer a business mortgages service that may be of some help. Features include:

  • No Broker fees
  • Access to whole UK market
  • Bespoke quotes (for those with a good credit rating history)
  • Connections to lenders from every business sector to ensure you are given a lender who understands the nature of your business.

Business mortgages are usually assessed on merit before a quote is provided. You may need to demonstrate to your mortgage lender that you have a sound business plan and that your finances are in order before they agree to lend to you.


Because all mortgage lenders are risk averse, they tend to offer lower rates to people who are able to place a larger deposit on a business property. Most lenders require that you put down a deposit of 25% to take out a business mortgage loan. If you have a bad credit history because of a previous mortgage, or credit card debt, you are unlikely to receive a mortgage loan with a low monthly rate.


There are two options in terms of interest rate deals to choose from:

  • Fixed rate – your monthly interest stays the same for the fixed term, allowing you to plan your finances because the amount is consistent.
  • Variable – like the Tracker mortgage, the variable interest rate traces the Bank of England base rate and because it always changes you may find it difficult to plan and organize your finances.


The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker