Buy to Let Mortgages No Proof of Income

If you need a buy to let mortgage and you dont have proof of your income or meet general income requirement then there is a selection of lenders who may provide you with the buy to let mortgage you require. Search and compare the market here or speak with a buy to let expert for advice, guidance and to find out which mortgage products are available to you.

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Mortgage Expert



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Intermediary Key Account Exclusive BTL 2 Year Fixed £1999 Fee

Initial Rate
1.44%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£96.00

APR
4.2%

compare

Intermediary Key Account Exclusive BTL 2 Year Fixed £1999 Fee (Scottish)

Initial Rate
1.44%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£96.00

APR
4.2%

compare

Intermediary BTL 2 Year Tracker £1999 Fee

Initial Rate
1.49%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£99.33

APR
4.5%

compare

Intermediary BTL 2 Year Fixed £1999 Fee

Initial Rate
1.54%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£102.67

APR
4.4%

compare

BTL 2 Year Fixed £1999 Fee

Initial Rate
1.59%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£106.01

APR
4.2%

compare

Intermediary BTL 2 Year Tracker 2% Fee

Initial Rate
1.59%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£105.44

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.59%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£105.99

APR
4.5%

compare

BTL 2 Year Fixed £1995 Fee

Initial Rate
1.59%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£105.99

APR
4.4%

compare

BTL Flexx 2 Year Fixed £1999 Fee

Initial Rate
1.69%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£112.68

APR
4.2%

compare

Intermediary BTL 2 Year Tracker £1995 Fee Purchase

Initial Rate
1.69%

Mortgage Type
Tracker

Duration
Mar-2019

Monthly Payment
£112.71

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £999 Fee

Initial Rate
1.69%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£111.26

APR
4.4%

compare

Intermediary BTL 2 Year Tracker £999 Fee

Initial Rate
1.69%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£111.26

APR
4.4%

compare

Intermediary BTL 2 Year Tracker £1995 Fee

Initial Rate
1.69%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£112.69

APR
4.1%

compare

BTL 2 Year Fixed £2499 Fee

Initial Rate
1.7%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£114.09

APR
4.9%

compare

Intermediary BTL 2 Year Fixed £950 Fee Purchase

Initial Rate
1.74%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£114.48

APR
4.4%

compare

Direct BTL 2 Year Fixed £995 Fee

Initial Rate
1.75%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£115.24

APR
4.3%

compare

Intermediary BTL 2 Year Fixed 2% Fee

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£118.71

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1999 Fee (Scottish)

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£119.33

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£119.38

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1999 Fee

Initial Rate
1.79%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£119.33

APR
4.2%

compare

BTL 2 Year Tracker £995 Fee

Initial Rate
1.8%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£118.49

APR
4.4%

compare

BTL 2 Year Tracker 2.5% Fee

Initial Rate
1.84%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£122.59

APR
4.5%

compare

BTL 2 Year Tracker £1500 Fee

Initial Rate
1.85%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£122.56

APR
4.5%

compare

BTL 2 Year Discount £199 Fee

Initial Rate
1.85%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£120.61

APR
5.2%

compare

BTL 2 Year Discount £199 Fee Multiple BTL

Initial Rate
1.85%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£120.61

APR
5.2%

compare

Direct BTL 2 Year Tracker £1995 Fee Purchase

Initial Rate
1.88%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£125.37

APR
4.4%

compare

Intermediary BTL 2 Year Tracker £1995 Fee Purchase

Initial Rate
1.88%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£125.37

APR
3.8%

compare

Direct BTL 2 Year Tracker £1995 Fee

Initial Rate
1.88%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£125.37

APR
4%

compare

Intermediary BTL 2 Year Tracker £1995 Fee Purchase

Initial Rate
1.88%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£125.37

APR
4.2%

compare

BTL 2 Year Fixed £1850 Fee

Initial Rate
1.89%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£125.76

APR
4.5%

compare

Exclusive BTL 2 Year Fixed £995 Fee

Initial Rate
1.89%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£124.42

APR
4.3%

compare

Intermediary BTL 2 Year Fixed £1995 Fee

Initial Rate
1.89%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£126.02

APR
4.2%

compare

L & G Exclusive BTL 2 Year Fixed £995 Fee **Conveyancing Exclusive**

Initial Rate
1.94%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£127.71

APR
4.1%

compare

Intermediary BTL 2 Year Fixed 0.75% Fee (Scottish)

Initial Rate
1.94%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£127.05

APR
4.2%

compare

Intermediary BTL 2 Year Fixed 0.75% Fee

Initial Rate
1.94%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£127.05

APR
4.2%

compare

Direct BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£130.04

APR
3.9%

compare

Direct BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£130.04

APR
4.4%

compare

Intermediary BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£130.04

APR
3.8%

compare

Intermediary BTL 2 Year Fixed £1995 Fee Purchase

Initial Rate
1.95%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£130.04

APR
4.2%

compare

BTL 2 Year Fixed £999 Fee

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£131.02

APR
4.2%

compare

BTL Flexx For Term £1999 Fee

Initial Rate
1.99%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£132.68

APR
2.2%

compare

BTL 2 Year Fixed £999 Fee Purchase

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£131.06

APR
4.9%

compare

BTL 2 Year Fixed £995 Fee Purchase

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£131.01

APR
4.6%

compare

Intermediary BTL 2 Year Tracker £995 Fee

Initial Rate
1.99%

Mortgage Type
Tracker

Duration
May-2019

Monthly Payment
£131.03

APR
4.2%

compare

BTL 2 Year Fixed £995 Fee

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£131.00

APR
4.4%

compare

Direct BTL 2 Year Fixed £1995 Fee Remortgage

Initial Rate
1.99%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£132.71

APR
3.9%

compare

BTL 2 Year Discount £895 Fee

Initial Rate
1.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£130.87

APR
4.9%

compare

BTL 2 Year Discount £895 Fee

Initial Rate
2%

Mortgage Type
Discount

Duration
Apr-2019

Monthly Payment
£131.53

APR
4.6%

compare

Intermediary Exclusive BTL 2 Year Tracker £995 Fee Purchase

Initial Rate
2.01%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£132.37

APR
3.7%

compare

L & G Exclusive BTL 2 Year Fixed 0.5% Fee **Conveyancing Exclusive**

Initial Rate
2.04%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£133.26

APR
4.3%

compare



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Recent mortgage Q&A

Buy to Let mortgage with no proof of income – Is it possible?

Self employed and require a buy to let mortgage

Self employed and require a buy to let mortgage

Buy to let mortgages are a complex process that many borrowers use to allow them to keep their own home, buying another for rental purposes. The buy to let mortgage is unlike any other kind of property loan, since it combines the pressure of buying a house with the demands of running a business that is paying back a substantial loan. The fact that this combination is so awkward can mean that many lenders are reluctant to allow those who are self-employed, or who can show no current proof of income, to take out a buy to let mortgage. The risks are simply too high, they think, and this means that those who want to become landlords often fall at the first hurdle.

Changing the way banks see people who can’t prove a steady income

Mortgage applications for self employed people

Mortgage applications for self employed people

People who could find it difficult to prove that they have a steady income include contractors, self-employed workers, agency workers, people who have more than one or two sources of income or jobs, and those who rely on commissions to boost their basic salaries.

These people as a group tend to find it hard to get any kind of mortgage or loan, because their income can vary from month to month, or may even have specific seasons where income is significantly more than at other periods. Yet, the people who are most likely to want to take out a buy to rent property are the very same self-employed. It is common for people who work for themselves to move from home renovations and development, on to buying properties to sell on, and then to look at buy to let properties as another source of income.

Banks and lenders have finally realised that people who are self-employed or unable to prove a steady income are not necessarily a risky group, and that there are some considerations that can be made depending on each particular case. Therefore, it may still be possible to get a mortgage but all will depend on your personal circumstances and requirements of your bank or building society.

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