Buy to let mortgage with adverse credit

If you want to make a success of buy to let, you are going to need to take care to keep up your credit commitments. This includes your mortgage and any credit commitment you take out.

Any missed payments will show on your credit file and your credit file will show your last 6 years history 

Mortgage lenders want to know that you will pay back the mortgage loan and they make that judgement by looking at your credit history.

Adverse credit will make it harder to get a buy to let mortgage

There will be situations where we can’t do anything at all

I have listed various adverse credit and summarize if we may be able to help

If there is adverse credit then the mortgage rates available to you may be significantly higher

Please complete our Enquiry form or phone to discuss your situation

Buy to let with CCJ (County court Judgements)

CCj’s should ideally be at least 2 years old.

We may be able to do something if there is just one CCJ dated at least 1 year old with a value up to £1,500

You will need a deposit of at least 25%

Buy to let with Defaults

Defaults should be at least 2 years old

We may be able to do something if there up to 2 defaults dated at least 1 year old with a value up to £1,500

You will need a deposit of at least 25%

Buy to let with Bankruptcy or IVA

You will need to have been discharged from your Bankruptcy or IVA for at least 4 years before we can offer you any options