Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated November 4, 2018

Bridging Loan to Buy to Let Mortgage

If you wish to exit a bridging loan straight to a buy to let mortgage that does not have any minimum property ownership period or time frame our experts can help. This buy to let product allows you to mortgage even if you have owned the property for a short period of time or less than the normal 6 month rule.

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

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:

Smart Money


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%

Rated 5.0/ 5

All credit types

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

Read our customer and visitor reviews for this product:

Rating: 4.6 / 5 with 31 votes

Good for secured loans

by Abdul R

Good service for secured loans with a full brokerage service. Good panel of lenders to suit most customers.

Found the right mortgage I was looking for

by Mrs Dale

Had a very positive experience using the mortgage pages. Thankyou.

This buy to let product is a solution for property owners who wish to exit a short term bridging loan and refinance onto a buy to let mortgage without having to owned the property for at least 6 months. This mortgage product allows for instant refinance we no minimum ownership time requirements.

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

What are the features of this mortgage?

Buy to let product 1st charge mortgage without proof of income

Adverse credit accepted

Adverse credit accepted

If you need to mortgage a property from a bridging loan and you do not have adequate proof of rental income or earnings then this product is for you. No proof of income is required, and the tenancy agreement (AST) can be used to evidence rental with no further proof of income required.

What type of properties is this mortgage suitable for?

This mortgage 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.

I have multiple properties can I still get this mortgage?

Yes, this product is also suitable for portfolio landlords who own more than 1 buy-to-let anywhere within England, Wales and Scotland.

Is there a minimum property ownership period for this product?

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.

Are low credit scoring credit applicants accepted?

Yes, bad credit applicants are considered including CCJ’s (county court judgements), IVA’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% Loan-to-value.
  • 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 or credit check required