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Simon Nicholson

Written by Simon Nicholson on October 23, 2019

Updated November 22, 2019

Buy to Let Mortgages For Bad Credit

If you have bad credit or a low credit score and need a buy to let mortgage we can help. We can also provide solutions for landlords who are unemployed, have no proof of income or who are recently self employed and without business accounts. Don’t worry if you have been previously refused a mortgage we can still help.

Contact us above to arrange a quote from a buy to let specialist broker.


Can I get a buy to let mortgage while unemployed and without a job?

Yes this is certainly possible and we know customers who we have previously helped finance a buy to let who have been in the same circumstances. There are buy to let mortgage lenders who are willing to accept a valid tenancy agreement as proof of rental income without any requirement for an personal income from the landlord.

Can I get a buy to let mortgage with no proof of income?

Yes. We have access to lenders who accept applicants who are unemployed or unable to prove their personal income.

I have some old adverse credit issues and I have been refused a mortgage with the Halifax can you help?

Our panel of lenders includes specialist lenders who accept non standard customers and those who may have previously been refused a BTL mortgage from their existing provider or high street bank. Request a quote above and a broker will be able to assess your application and present a solution.

Can I get a buy to let mortgage based on the rental income recieved only?

Yes, there are buy to let lenders who will accept rental income and AST only without a mimium income requirement from the applicant. These loans can be arranged at 75% loan to value on both a first or second charge basis.

What property types does this cover?

This BTL loan product is suitable for any property type including semi commercial properties, ex local authority, flats above shops, maisonettes including High Rise, HMO property & Non Standard Construction homes. There is no minimum property valuation and uninhabitable properties with no one living in them are also accepted with our lenders.

Can I get a no credit check BTL mortgage as my credit score is poor

Most lenders will want to look into your credit history, however there are lenders who dont use automatic credit scoring and will base your mortgage application on merit.

We compare the market so you dont have to

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.

We are a credit broker and not a lender.