Bad Credit Buy to Let
Mortgages

At Simply Adverse, we can help you with:

  • Buy to let mortgage bad credit
  • Buy to let remortgage with bad credit
  • Adverse credit history mortgages of any type
  • Our 5 star reviews, experience & customer feedback means we can help you

Take our BTL Online Quiz now to find out if you’re likely to be able to get a buy to Let mortgage with bad credit. There’s no credit check & it only takes a couple of minutes

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It's quick & easy. No credit check or upfront fee.
*95% Max LTV. IVAs or Ex-bankruptcy 85% Max LTV
Your home may be repossessed if you do not keep up repayments on your mortgage.

How to Get a Buy to Let Mortgage with Bad Credit from the Bad Credit Experts | Simply Adverse

Getting bad credit buy to let mortgages on the high street can be next to impossible, but that doesn’t mean that there is no way to secure a BTL bad credit mortgage. If you’re looking to buy a property to let for the first time, remortgage a buy to let with bad credit, or make a new investment, then a bad credit history doesn’t always have to stand in the way.

Found the perfect buy to let property? Need a BTL remortgage? Simply Adverse has access to the best niche specialist lenders in the UK, so don’t hesitate to call us today for impartial advice and a free assessment of your situation!

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Why Choose Simply Adverse for Bad Credit Buy to Let Mortgages?

Reason 1 To Choose Simply Adverse - Bad Credit Mortgage Specialists

Simply Adverse aren’t just a buy to let mortgage broker who handles some bad credit cases, we specialise exclusively in them. Our entire first-class service is tailored towards people with adverse credit, including those looking to remortgage buy to let with bad credit.

Reason 2 To Choose Simply Adverse - 9 Years Experience In Adverse

We understand how stressful trying to arrange a mortgage is with a poor credit score, so we do everything possible to keep things simple. With glowing reviews, access to exclusive rates, and experience in all areas of bad credit buy to let mortgages, we’re the service you need for fast advice and exceptional results.

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Do You qualify?
It's quick & easy. No credit check.

What Is Bad Credit History?

Many credit reports give you a numerical value that summarises your credit history, which is based on numerous factors mostly relating to your past and current credit responsibilities. A bad credit history, or low credit score, means that you have a record of being irresponsible with credit, shown by instances like missed payments, defaults, CCJ’s (County Court Judgements), or IVA’s (Individual Voluntary Arrangements) / bankruptcy.

Having a bad credit rating doesn’t instantly disqualify you from obtaining a buy to let mortgage, but without the help of a specialist bad credit mortgage broker, your options could be extremely limited.

get a buy to let mortgage with bad credit history

How Do I Know If I Have a Poor Credit Score?

For the best idea of your buy to let mortgage eligibility, knowing your credit profile or information is essential. If you’ve never checked your credit before, here’s how you can do it with ease:

Make searching for a mortgage easier with help from our professional team, you can call us 7 days a week to begin your search for the best buy to let mortgage deals.

Can I Get a Buy to Let Mortgage with Bad Credit History?

Obtaining a buy to let mortgage with bad credit can be much more difficult than obtaining other types of mortgage with bad credit, as a buy to let mortgage is riskier for lenders; you’ll normally need a higher deposit and the affordability test for the mortgage will be different. However, when you use a bad credit mortgage broker, you’ll most likely be accepted for a buy to let mortgage.

Whilst your adverse credit history will work against you, it can be possible to obtain a buy to let mortgage with all types of adverse credit – the longer the period that has passed between the adverse credit incident, the better.

Simply Adverse can advise you on buy to let bad credit mortgages whether your bad credit is due to a missed payment or past experience with bankruptcy or CCJs.

Buy to Let with Bad Credit FAQs

Whether you’re new to buy to let or an experienced landlord, understanding your eligibility for a buy to let mortgage with bad credit can be difficult. Here are the answers to three FAQs about buy to let mortgages:

Have more questions about buy to let with bad credit? With no up-front fees, you can contact us to discuss your concerns about getting a mortgage with bad credit.

call 01245 330163 For A Free Quote
Lines Open: Mon-Fri 09:00-20:00 and Saturday/Sunday 09:00-17:00. Alternatively request a call back at a time convenient to you.
Contact Us
Do You qualify?
It's quick & easy. No credit check.

How Simply Adverse Can Help

Simply Adverse has a long history of excellent results, with hundreds of glowing reviews a testament to our comprehensive service. Here’s an insight into the service that you can expect from us:

We Do the Hard Work

With our team of expert advisers, specialist pre-underwriters, and case managers, we can take care of all the heavy lifting when it comes to arranging a mortgage. We provide quick advice, source competitive rates, and make every process simpler.

Not Tied to a Panel of Lenders

With no panel of lender restrictions, we can cover the whole market to find buy to let mortgage bad credit history lenders who offer the best deals and exclusive rates.

You Only Pay When a Formal Offer is in Place

Simply Adverse provides a 7-day a week service that covers free assessments and advice with no upfront fees. Our fees only come into the equation when you have a formal offer with commitment to lend from the bank.

Take Our Mortgage Buy to Let Bad Credit Rating Eligibility Quiz

Tired of the worry that comes attached to buy to let mortgage bad credit history? Take our eligibility quiz to learn more about your suitability for a buy to let bad credit mortgage.

With an unrivalled service, tested process, and guaranteed whole market coverage, you can rely on Simply Adverse to provide first class support when helping you to find a mortgage.

What Buy to Let Mortgage Bad Credit Rating Lenders Do Simply Adverse Work With?

When searching for buy to let mortgage bad credit lenders, a whole market search is essential. We can provide you with access to every deal on the market, and exclusive deals, from lenders such as:

  • Pepper
  • Aldermore
  • The Mortgage Lender
  • Kent Reliance
  • Magellan Home Loans
  • Bluestone Mortgages
  • Kensington
  • Masthaven
  • Precise Mortgages

Find Bad Credit Buy to Let Mortgages with Simply Adverse

Buy to let mortgage bad credit options can be very limited, with lenders being much stricter about who they accept for the riskier mortgage type. The excellent service and process that Simply Adverse offer can help you to find lenders even when you’ve had no luck on the high street.

A bad credit rating doesn’t have to mean the end of your buy to let dreams, just call us today and we’ll provide the support you need to secure a mortgage from bad credit friendly lenders.

Terms & Conditions

Fees vary according to individual circumstances and we will agree our fees with you before we undertake any chargeable work. This fee is for advice, research, recommendation, implementation (e.g. application, administration of arranging the loan). We will also be paid by commission from the lender.

Our typical broker fee is £1995. We typically charge up to 6% of the loan amount, dependent upon the severity of adverse credit and the lender being used. For example, on a loan of £100,000 we would charge up to £6000.

For second charge mortgage applications our typical broker fee is £1995. We typically charge up to 10% of the loan amount, dependent upon the severity of adverse credit and the lender being used. For example, on a loan of £40,000 we would charge up to £4000.

Our fee is payable upon receipt of your mortgage offer, we do not charge any upfront fee for identification of any potential solutions.

Legal Information

Simply Adverse is a trading style of Simply Investment Ltd. Simply Investment Limited is an Appointed Representative of Simply Lending Solutions Ltd who are authorised and regulated by the Financial Conduct Authority FSR Number 745164. 

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Simply Investment Ltd. Registered in England and Wales Company no: 06528590. Registered Office: Runwell Hall Farmhouse, Hoe Lane, Rettendon Common, Essex, England, CM3 8DQ.

Simply Adverse
15 Runwell Hall Farmhouse
Hoe Lane
Rettendon
Chelmsford
Essex
CM3 8DQ

Email: info@simplyadverse.co.uk
Tel: 01245 330163

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