Jason Bailey

Expertly compared by Jason Bailey

Products Updated December 3, 2019

Buy to Let Mortgages With No 6 month
Minimum Ownership

If you wish to take out a mortgage on a buy to let property with no minimum 6 month ownership rules or period then our experts can help. This product is suitable on a first or second charge basis for all credit types and properties. This mortgage product allows for immediate refinancing even if you have owned the property only for a short time.

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.

1 providers expertly compared:

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All credit types
Rated 4.9/ 5


Loan Amount
£3,000 - £500,000

Representative APRC
From 3.9%%

Loan Term
3 - 30 years

Loan Type
Secured Loans

Homeowners & Tenants

Feasible.co.uk are our approved second charge mortgage specialist brokers who working alongside their award winning partners can search the market place to find you the cheapest loans on the market. They can arrange homeowner loans for any purpose including popular options such as debt consolidation, home improvements. Solutions for bad credit applicants and the self employed.

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.

Many mainstream buy to let lenders will require you to have owned a property for 6 months or more before you can mortgage the property. With this product there is no ownership period rule which means you can finance your property regardless of how long you have owned it. Also ideal for investors who wish to refinance and exist from a bridging loan.

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

What are the features of this product?

Buy to let 1st and 2nd charge mortgage without proof of income

Poor credit accepted

Poor credit applicants OK

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, flats above shops, maisonettes including High Rise, HMOs & Non Standard Construction. There is no minimum property valuation and uninhabitable properties with no one living in them are also accepted with this lender.

I have a portfolio of multiple properties can I still get this mortgage?

Yes, 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?

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.

Adverse credit applicants accepted

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 credit scoring required


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