Buy-to-let, including with a smaller deposit.
For first-time landlords and experienced ones, for one property or several, including lenders who will consider a smaller deposit than the high street asks for.
Does this sound like you?
- Your first property as a landlord
- Remortgaging a property you already let
- A smaller deposit than most lenders ask for
- A portfolio, or plans to build one
- A property that needs work before it can be let
- A credit history that complicates a straightforward case
How buy-to-let lending works
A buy-to-let lender looks first at the property and the rent it can earn against the mortgage payment, and then at you. Deposits are generally larger than for a home you live in, and some lenders will consider less than others.
Your own circumstances still matter: your income, your other commitments and your credit history all shape which lenders will consider the case and on what terms.
Three steps. Honest at every one.
Tell us what has happened
A call, or a few lines on the form. No credit check at this stage, and no judgement.
We look at the whole picture
The reason, the timing, your income and your deposit, not only the score.
We find the lender and see it through
We put your case to specialist lenders who take a human view, and guide you every step of the way.
Questions people ask about this
Can I get a mortgage with bad credit?
Yes, often. Many specialist lenders consider applications from people with bad credit, including defaults, CCJs or missed payments. They look at your whole financial situation, not only your credit score.
How much deposit do I need for a buy-to-let mortgage?
Many high-street lenders want a large deposit. Some specialist lenders offer options with as little as 5 to 10%, depending on your circumstances.
How quickly can I get a mortgage approved?
In some cases we can secure a decision in as little as 24 to 72 hours, especially for urgent situations such as bridging finance or an auction purchase.
Tell us what has happened.
A conversation, not an application. No obligation, and no judgement.