100% Recommend

Trusted

We've been trusted by thousands of customers for mortgages since 2013.

100% Recommend

The Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert

Lending Experts

We’re mortgage experts. This means we know our stuff when it comes to all types of mortgages. We know where the best rates are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

We’re not tied to one lender which means we can search the wider market to find you the cheapest mortgages from across the UK.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

Flexible Lending

If you have bad credit or have previously been refused a mortgage we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help find you the perfect mortgage deal.

This product is ideal for those who are unemployed or perhaps self employed, own a new business and can not show full proof of adequate income. Self employed applicants can have less than 12 months trading, be a pensioner, retired or employed on a low income or part time basis.

What are the features of this mortgage product?

Buy to let 1st charge mortgage without proof of income

If you need to mortgage or remortgage a buy to let property and do not have adequate proof of income then this product is for you. No proof of income is required, and the tenancy agreement can be used to evidence rental with no further proof required.

What type of property does this cover?

This product 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. There is no minimum property valuation and uninhabitable properties with no one living in them are also accepted.

I have multiple properties can I still get this mortgage?

Yes, this product is suitable for portfolio landlords who own more than 1 property. Lending is available in England, Scotland and Wales.

Is there a minimum ownership time?

No, while some lenders will require you to have owned the property for at least 6 months, this is not the case with this lender. There is no minimum ownership time required.

There is no mortgage history required so First Time Buyers are considered. Loans can be arranged whereby there is no rental stress test requirement from the lender.

Adverse credit applicants accepted

Yes, bad credit applicants are considered including CCJ’s, missed payments, account defaults, discharged bankrupts, and applicants with a low credit score. No credit scoring is required for this application.

What are the product details?

  • Loans from £10,000 – £1,000,000
  • Up to 75% LTV.
  • Adverse credit accepted
  • First and second charges available
  • Ex-pats landlords accepted
  • Any legal purpose including tax bills and purchase other properties and deposits
  • Equitable charges available
  • Capital and interest only available
  • Up to age 80 at application
  • No credit check or scoring

Buy to let mortgages based on rental income only

If you need a mortgage based on rental income only and not your personal income then we can help. Our lender can assess your mortgage application based on the income you receive and only proof of income from a tenancy agreement is required.

Compare buy to let mortgages and get the best deals today with Lending Expert.

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Short term bridge finance from our expert team of brokers. Loans from 1 - 24 months from a wide range of lenders. Apply online with Lending Expert.

Homeowner Loans

Quickly check your eligibility and apply online for a homeowner loan with Lending Expert.

Personal Loans

Apply for a personal loan from 2.9% APR online here at Lending Expert today.