Missed payments, defaults or CCJs don't have to rule out bridging finance — we work with lenders who assess the whole picture, not just your credit score.
We have whole of the market access allowing us to find our customers the best possible deal.
Bridging lenders are primarily concerned with the property being used as security and your realistic exit strategy, which means a poor credit history doesn't automatically close the door the way it might with a mainstream mortgage. We work with a panel of lenders who specialise in adverse credit cases, including defaults, missed payments, CCJs and even historic bankruptcy or IVAs.
Every case is assessed individually — the more clearly you can evidence your exit strategy, the more options are usually available.
A clear, credible plan to repay the loan — whether by sale or refinance — matters more to bridging lenders than your credit history.
Sufficient equity and a suitable property are often enough to secure lending, even with a difficult credit past.
We search specialist lenders who are set up to price adverse credit cases fairly, rather than declining outright.
Often, yes. Bridging lenders focus mainly on the security property and your exit strategy, so defaults, missed payments, CCJs and even historic bankruptcy or IVAs don't automatically rule you out.
A clear, credible exit strategy — a sale or refinance — and enough equity in a suitable security property.
It can, depending on the severity and how recent the credit issues are. We search specialist lenders that price adverse credit fairly rather than declining outright.
No. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only. We never lend against a property that is or will become the borrower's or their family's home.
