Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated July 24, 2019

Buy to Let Mortgage Bad Credit

If you require a buy to let mortgage without a credit check or credit scoring then our bad credit mortgage brokers can help. They can assist you finance a buy to let with adverse credit, CCJ’s or credit issues. Low income and self employed bad credit applicants also accepted who can not show proof of income or earnings.

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 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.

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

What are the features?

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 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


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