Property finance with bad credit

At Rangewell, we can help you find the funding for property even if your credit history is damaged

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Funding options


Specialist lending for bad credit

  • Terms up to 20 years
  • £50,000 – No Maximum
  • Rates geared to risk
  • Individual arrangements tailored to your circumstances


  • Refinance existing property
  • Commercial, Residential and Land
  • Business premises or investment property
  • Up to 80% Loan to Value

All types of property funding

  • Commercial mortgages
  • Development loans
  • Bridging loans
  • Refurbishment funding

Talk to Rangewell – the business finance experts

If your plans include property investment - but your credit history is against you, call us. We know every property lender in the market and use our contacts to help you find the deal that's right for you.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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Property Finance with bad credit

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

Lenders base their decisions on whether or not to lend on risk. If there feel there is a high risk that they will not be repaid, they will not lend - and one of the most important factors they examine when considering the risk of a loan is an applicant's credit record.

Traditional lenders are reluctant to provide loans, including commercial mortgages, to applicants with bad credit. It is possible to build up a bad credit rating through no fault of your own, and the refusal to lend may be frustrating, especially if you can afford the mortgage repayments.

Having a bad credit rating can make it much more difficult to acquire a loan but there are commercial finance solutions for people with bad credit. You will be considered more of a risk to lenders and, therefore, they are likely to charge you a higher rate or limit the amount you can borrow. This is done so that they can recoup their losses if you default on the loan.

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Depending on how bad your credit history is, you may even need to work with lenders who specifically deal with poor credit customers. Using these lenders will increase the chance of you being granted a loan. This has a positive benefit - by taking out a bad credit loan at a higher rate and ensuring that you meet the repayments, you can actually work to improve your credit score. After a year or two of making regular repayments, you may be able to re-mortgage on a standard rate and, therefore, save yourself money on the interest. This can help you to overcome your patchy credit history and get back on track in the easiest way possible.

At Rangewell we can help.

Finding the lenders you need

Finding the most appropriate lender can be hard for any borrower but, at Rangewell, we can make things a little easier. We know all the lenders in the market - including lenders who provide bad credit Commercial Mortgages but tend to not advertise them. Whether you are buying a property to use as business premises or as an investment, we can help you secure the rates and terms you need.

Property Finance solutions can include:

Commercial Mortgages

A Commercial Mortgage is one of the most common forms of finance used to buy a business property. They are simply a large loan secured on the property itself and operate much like a residential mortgage, spreading the cost of buying over up to 30 years. The rates and terms for a Commercial Mortgage are arranged individually. Before they will make an offer, lenders will look at your business, your accounts and projections to ensure that and set interest rates based on the level of risk they believe it presents.

Lenders will not offer 100% finance under a Commercial Mortgage. Typical loan-to-value ratios for a new business with no trading history will be a maximum of 50% of the purchase price. Owner-occupied businesses such as offices or shops can normally get a loan-to-value of around 80%, while developers may be able to call on special types of mortgage.

Commercial Mortgage deals can be either fixed-rate or variable rate, and you may also be able to choose between a repayment mortgage option where you pay the capital and interest back each month or an interest-only mortgage, where you only pay the interest. 

Property Development Finance

Property Development Finance is a type of lending that experienced property development businesses can use to fund new building projects or major redevelopments Lenders may advance up to 70% of the gross development value, with terms that can be up to 24 months. 

Refurbishment loans are used for smaller-scale projects involving the refurbishment and updating of existing properties, for letting or resale.

Bridging and Auction Finance

Bridging Finance is often used as a short-term solution for the purchase of a property. It works like a mortgage, in that the funding is secured on the property itself but, unlike a mortgage, Bridging Finance carries a relatively high interest rate. It is best thought of as the means to bridge a funding gap until a more suitable long-term solution can be provided.

Auction Finance is, effectively, a type of Bridging Finance used to arrange short-term funding in advance of an auction.  

Buy to let Finance 

Buy to let investment in property to let out has become a popular way to share in the growth of the property market, and can provide both income and the prospect of capital growth. Special types of mortgage are available for the BTL market, covering  Residential propertyHMOs (houses in multiple occupation) and commercial property.

Raising funds with Business Property Finance

If you have a damaged credit rating and are looking at the most cost-effective way for your business to raise cash, your existing business property may provide the solution, with property remortgaging or refinancing

If your business has its own premises, you could have a valuable and appreciating asset that acts as a store of wealth. Commercial Property Refinancing lets you access that wealth, and use it to provide the funding your business needs, while keeping costs down. It works by letting you take out a new Commercial Mortgage on your existing property. If you own the property outright, all the money you raise is yours to use in any way you wish. You can also refinance a property with an existing mortgage, repay your original loan and use any surplus cash to help build your business. You regain full title to your premises when the funds are paid off and to take advantage of rates that are exceptionally low - even if your credit is poor. Refinance can also help reduce the cost of existing property finance obligations because you do not need to have paid off your current mortgage to arrange a new one. You may be able to pay off an existing loan and replace it with a new one at a lower cost.

Business Property Finance from Rangewell

At Rangewell, we work with lenders across the market and have access to the full range of property funding products. It lets us use our property finance expertise to support your business – and ensure that you have the financial solutions you need.

Our knowledge of the lending market includes close links with those lenders who may be able to provide funding to people whose credit rating is less than perfect.

If you have bad credit - but large scale property needs, call us now.



  • Helped a business with CCJs acquire their premises

  • helped a developer who was made bankrupt in the financial crisis acquire a property

  • Arranged a commercial mortgage for a director with a failed business in his background

  • helped a borrower start to rebuild their credit score

  • arranged short term property funding for a borrower with no credit history in the UK

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Fast decisions from specialist lenders
    Lenders will look at your credit profile, the value of the asset, and your business to make a decision in the shortest possible time.
  • Funding for all types of property
    Residential, commercial and mixed-use development Conversion and refurbishment Planning gain transactions Part built development refinance
  • Designed for your business
    Your business plans are the key to securing the finance you need - a sound business plan will count for a great deal
  • Repair your credit
    We can provide funding when others cannot - helping you rebuild your credit score
  • Cost effective
    the cost of your credit will always be higher is=fyou have damaged credit. We can help you keep costs under control
  • long or short term funding
    We can provide access to funding for the time you need it

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.