Bad Credit Mortgage Blog & Guides (UK)

Having bad credit doesn’t mean you can’t get a buy to let mortgage. Plenty of landlords have been approved with defaults, CCJs, or even past insolvency. The difference comes down to preparation. The better prepared you are, the higher your approval chances.

If you’ve got bad credit and want to invest in property, one of the first questions is: “How much deposit will I need for a buy to let mortgage?” The answer isn’t always straightforward – it depends on the type of credit issue, how recent it is, and the lender.

An Individual Voluntary Arrangement (IVA) can feel like a massive obstacle when it comes to borrowing – but if you’re looking for a buy to let mortgage, you still have options. Whether your IVA is active, settled, or historic makes a huge difference to which lenders will consider you.

Already own a rental property but worried that your bad credit will block a remortgage? You’re not alone. Many landlords run into this issue when they try to refinance – but the good news is that it’s often still possible, even with defaults, CCJs, or historic insolvency.

Having a County Court Judgment (CCJ) on your credit file can make borrowing tough – but it doesn’t automatically block you from becoming a landlord. Many specialist lenders will still consider buy to let (BTL) mortgages if you have CCJs, especially if you meet the right conditions.

If you’ve got bad credit and want to invest in property, the biggest question is: “Which lenders will actually consider me?” The truth is, most high street banks won’t – but plenty of specialist lenders may.

Being self-employed can already make mortgages a bit more paperwork-heavy. Add bad credit into the mix and it’s natural to think buy to let (BTL) is out of reach. The truth? Many lenders are still open to self-employed landlords with bad credit – provided you meet the right conditions.

If you already own a rental property but have defaults, CCJs, or other credit issues, you might be worried about refinancing. The good news? A buy to let remortgage with bad credit is possible – especially with specialist lenders who focus more on equity and rental income than credit scores.

Defaults on your credit report can make getting a residential mortgage tricky – but what about buy to let? The good news is, it is possible to get a buy to let mortgage with defaults. The key is understanding how lenders view them, and what factors improve your chances.