Credit searches Archives - First 4 Commercial

Non-status bridging loans

Non-status bridging loans from

first4commercial have over 50+ lenders on our bridging panel and are able to offer a whole range of loan options to our clients. Our most common range of products are for those with a clean credit history and/or a low loan compared to the value of their property (LTV). Some clients do not fall into this category either due to adverse credit or lack of income proof and this is where first4commercial can help. We are able to offer clients very competitive rates of interest without the need for clean credit or proven income/track records. As long as the property has sufficient equity we should be able to secure a loan against it on a short term basis. Bridging loans can be used for a number of different scenarios, the most common is to allow the purchase of a new property whilst the client waits for their existing property to sell. This is not the only way in which bridging can be utilised and we have helped many clients over the years pay off HMRC tax bills, purchase properties abroad, complete urgent auction purchases and even settle a divorce whilst waiting for the property to sell.


first4commercial also have a unique advantage in that we have a sister company Central Mortgages (Essex) Ltd who are able to assist clients with any regulated bridging loans. These are loans that are secured by way of a first charge against a property you either live in or intend to live in. Due to our unique relationship clients received expert advice and guidance along with their renowned “Treating customers fairly” mantra.

For more information please contact us today.f4c

T: 01277 620083 F: 01277 658900 E:

5 Allysum Walk, Billericay Essex CM12 0SS


Adverse credit commercial mortgages

Adverse credit commercial mortgages

We are currently seeing more and more clients who are unable to access ‘High Street’ commercial mortgage rates due to adverse credit histories. This can be from some missed credit card payments due to an oversight right up to CCJ’s or missed mortgage payments. are able to help in these circumstances. We are able to offer clients non-status commercial mortgages with lenders who do not necessarily worry about the adverse credit history of a client. We are also able to offer this to clients who can’t prove enough income for mortgage purposes, this allows a “self-cert” approach to the commercial mortgage market for certain customers.

As you would expect these non-status mortgages attract higher rates of interest than the normal ‘High Street’ rates available, however this is simply to offset the additional risks to the lender.

Non-status commercial mortgages are available to all sectors including pubs, hotels and restaurants to land (with or without planning permission) or factory units.

Please feel free to contact the team for a FREE no obligation quotation, this will provide you with the rates, fees and terms available in a clear, easy to understand format. Allowing you to make your decision on the next step . . .


To find out more contact the team on 01277 620083 or use the contact form on the website.


T: 01277 620083 F: 01277 658900 E:

Colchicums, The Vale, Stock, Ingatestone, Essex CM4 9PW


FREE instant credit searches

FREE instant credit searches would like to recommend to all of our clients and introducers the following website:

With more and more lenders in the UK using credit scoring when underwriting mortgages and loans rather than just a credit search it is now even more important to keep control of your finances and keep your credit file in order.

By using this company you can access your own credit report instantly and for FREE for life. This company is backed by the third largest credit reference agency CallCredit with whom we have used previously so feel confident in our recommendation. The other two credit reference agencies, Experian & Equifax offer access to your credit reports but this is at a monthly cost of up to £15 per month in some cases. Noddle will send you a marketing email once a month with suggestions of credit products (credit cards, loans etc) that suit your credit profile and it is with these product offerings that they are able to provide the facility to customers for FREE. The other alternative to this would be a statuatory report which costs £2.00 and you can ask any of the three credit reference agencies for this either by post or on their websites.

At you can check your credit report for FREE today. We always recommend regular checks on your own credit report to keep on top of things and to make sure there aren’t any onnerous items listed.

Many of our clients have experienced fraudlent activity on their credit files which they were completely unaware of until it came to trying to source finance, by then it is too late as the adverse credit can be extremely difficult and time consuming to remove once registered.

Mr M decided to apply for a new BT business line and as part of the process was credit searched. In the previous 12 months someone had taken out two mobile phone contracts without his knowledge in London and never made a payment so he was left with two defaults on his credit file, blemishing an otherwise perfect credit file. After reporting this to the police to obtain a crime reference number and providing this to the phone company, only then were the credit iems removed.”

This is just one example of why keeping regular checks on your credit file is essential to keep your credit file healthy! Identity theft is a growing crime in the UK and by being more vigilant about your own credit search helps to spot any minor problems before they become a major problem.

We are always happy to help and assist clients when trying to understand their credit reports. We can offer help and advice on what to look out for and also the “do’s and dont’s” of trying to obtain credit, some things can have an adverse affect on your credit score without you even realising.

If you need any further help or advice please contact the team on 01277 620083 or email

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