Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated June 24, 2019

Buy to Let Mortgages For Flats

Our experts can arrange buy to Let mortgages For mainstonettes, flats above shops and high rise buildings. This mortgage product is suitable for applicants who dont fit normal mainstream requirements. Solutions with those with bad credit issues, unemployed, on benefits and those unable to proof their income.

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.

Questions? Call us on 0161 820 8099

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.

Read our customer and visitor reviews for this product:
Rating: 4.6 / 5 with 30 votes
Found the right mortgage I was looking for
by Mrs Dale

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

Secured loan quote
by Sarah Hinde

Received a secured loan quote and found the website very simple and easy to use. Would be happy to use again.

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.

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

What are the features of this product?

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

Poor credit accepted

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?


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