Buy to Let Mortgages With No Rental Income Stress Test Required

Simon Nicholson

Written by Simon Nicholson on July 26, 2018

Updated July 18, 2019

Buy to let mortgages with no stress test

We are currently offering 1st & 2nd charge Buy to Let mortgages and secured loans with no rental income stress testing required from the mortgage lender. This buy-to-let mortgage product is an alternative solution for landlords whereby the rental income does not stack up or meet the rental stress calculations from the mainstream lender.


  • Loans from £10,000 to £2,500,000
  • LTV up to 75%
  • AST’s accepted as proof of income
  • All credit profiles considered
  • Unoccupied properties considered
  • No minimum valuation
  • No 6 month ownership rule
  • Adverse credit applicants accepted with past CCJ’s defaults and missed payments
  • No stress testing from lender required
  • No proof of income required
  • Self employed applicants accepted

Property types

This BTL mortgage is suitable for any property type including semi commercial properties, ex local authority, flats above shops, maisonettes including High Rise, HMO property & Non Standard Construction.

Experienced advisors

We only recruit staff that are CeMAP qualified and with a minimum 5 years experience in second charge mortgages which means you get the best advice from experienced brokers.

Get in touch

Learn More
All credit types
Rated 5.0/ 5

Smart Money Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£10,000 - £1,000,000

Representative APRC
From 7.1%

Loan Term
3 - 35 years

Loan Type
& Buy to Let

Homeowners Only
Max LTV 100%

Award winning broker of the year Smart Money have made it to the top of our list as our No 1 recommended provider for homeowner and buy to let loans. They are independent and have access to the major lenders in the market.

Representative Example

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