This product is suitable if you require a buy to let mortgage against a flat above a shop, a mainstonette, or within a high rise building. Applicants accepted with low credit scores, those currently out of work or if you’re self employed and unable to show proof of income.

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What are the features of this product?

Buy to let 1st and 2nd charge mortgages on none standard contruction buildings

Poor credit applicants considered

If you need a mortgage or to 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. This product is suitable for self employed, and low income employees.

What type of properties does this loan cover?

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

Is this suitable for portfolio landlords?

Yes, this product is suitable for portfolio and multiple property 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.

Are credit issues okay with this mortgage?

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 minimum 6 months ownership rule
• No credit check required
• Limited Company enquiries considered
• 25% Family Gifted Deposits paid also considered