Buy to Let Mortgages With No Rental Income Stress Test Required

Written by Simon Nicholson on July 26, 2018

Updated December 29, 2021

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 Available via broker only

Lending Expert

Loan Amount
£10,000 - £500,000

Representative APRC

Loan Term
1 - 33 years

Loan Type
Secured & Homeowner Loans

Homeowners Only
Max LTV 100

Rated 4.8/ 5

All credit types

Our expert team can compare over 19 secured loan lenders from across the market to find you the perfect loan. Our team are on hand 7 days a week to handle your loan enquiry from initial quoteation right through to when you receive your loan. Homeowner loans for any purpose including popular options such as debt consolidation, home improvements and buy to let properties. Solutions for bad credit applicants and the self employed. Request a quote to see how much you can borrow today.

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