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Lending Experts

We’re mortgage experts. This means we know our stuff when it comes to all types of mortgages. We know where the best rates are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

We’re not tied to one lender which means we can search the wider market to find you the cheapest mortgages from across the UK.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

Flexible Lending

If you have bad credit or have previously been refused a mortgage we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help find you the perfect mortgage deal.

This buy to let product is ideal for applicants with low credit scores and dont wish to have a credit check. They may not have documentary proof of income or earnings due to unemployment, new self employment or who are employed with a low income or salary.

What are the features?

If you need to mortgage or remortgage a buy to let property and do not wish to have a credit check then this product is for you. No proof of income or credit scoring is required, and the tenancy agreement can be used to evidence the rental income without any further proof of income required.

What type of BTL properties does this loan cover?

This mortgage product is suitable for any property type of buy to let investment including semi commercial properties, ex local authority homes, flats above shops, maisonettes including High Rise buildings, HMOs (multiple occupancy) & Non Standard Construction. There is no minimum property valuation and uninhabitable properties with no one living in them are also accepted with this mortgage product.

Porfolio landlords accepted

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?

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 and finance is available immediately.

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

Adverse credit applicants accepted

Bad credit applicants are considered including applications from 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

Compare bad credit buy to let mortgages and get the best deals today.

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