Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated June 24, 2019

Buy to Let Mortgages Bad Credit

If you need a buy to let mortgage or wish to remortgage with adverse credit and dont fit the normal lenders criteria then our experts can help. They can arrange mortgages for those with a history of CCJ’s, defaults, bankruptcy, and a low credit score. They can also arrange buy-to-let 1st charge mortgages on semi commercial, ex local authority property, and flats above shops.

Our Award Winning Buy to Let Experts can compare loan deals from over 16 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.

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1 providers expertly compared:

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All credit types
Rated 4.8/ 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

Loan Term
3 - 30 years

Loan Type
Buy to Let

Homeowners & Tenants

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 buy to let product is ideal for applicants with low credit scores, or who dont have proof of income due to unemployment, new self employment or employed with a low income. Adverse credit and credit score issues OK.

>> Get a Quote on This Product Today From Smart Money

What are the features of this BTL mortgage product?

Buy to let 1st and 2nd charge mortgage without proof of income

Poor credit accepted

Poor credit applicants OK

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 the rental income without any further proof of income required.

What type of properties does this loan cover?

This mortgage product is suitable for any property type including semi commercial properties, ex local authority, flats above shops, maisonettes including High Rise, HMOs & Non Standard Construction There is no minimum property valuation and uninhabitable properties with no one living in them are also accepted with this lender.

I have a portfolio of multiple properties can I still get this mortgage?

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

Is there a minimum ownership time to apply for this mortgage?

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

There is no mortgage history required so First Time Buyers are also considered.

Adverse credit applicants accepted

Bad credit applicants are considered including people who have had CCJ’s, missed credit 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% Loan to value.
  • Adverse credit applicants are accepted
  • First and second charge loans 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 required

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Secured Loans For Bad Credit

If you have credit issues and need a homeowner loan our brokers can help. They can quickly compare the market to find you the best deals.



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