Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated May 25, 2018

Buy to Let Secured Loan With No Proof of Income

If you wish to take out a second loan on your buy to let property and dont have proof of income or employment then our experts can help. They can help landlord’s raise finance who not fit the normal criteria with mainstream lenders and banks. They can arrange secured loans with no proof of earnings on semi commercial, ex local authority property, and flats above shops.

Homeowners - Our award winning experts can compare the cheapest loan deals from over 19 approved Lenders. All credit types accepted:

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.

Questions? Call us on 0161 820 8099

1 providers expertly compared:

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
£3,000 - £1,000,000

Representative APRC
From 3.9%

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. All quotes are free and without any obligation.

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.

>> Get a Quote on This Secured Loan Today From Smart Money

What are the features of this secured loan product?

Buy to let 2nd charge mortgage without proof of income

No proof of income accepted

No proof of income accepted

If you need a loan on 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 properties does this loan cover?

This product is suitable for any property type including semi commercial properties, ex local authority, flats above shops, maisonettes including High Rise, HMO & 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 apply?

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

Is there a minimum ownership time?

No, while some secured 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.

Adverse credit applicants accepted

Yes, poor credit applicants are considered including people who have had CCJ's, missed payments, account defaults, discharged bankrupts, and applicants with a low credit score are considered. No credit checks or 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 scoring


We are independently reviewed by our verified customers and web users:
Rating: 4.6 / 5 with 28 votes

Lending Expert is a credit broker and comparison website, we're not a lender.

We bring together the very best financial providers and products from across the market place.

Warning: Late repayment can cause you serious money problems.
For help, go to