Buy To Let With Bad Credit

We're often asked whether it's possible to get a buy to let (BTL) mortgage if you have adverse credit. Whilst many high street lenders will be quick to decline, it is possible when you have access to lenders specialising in bad credit mortgages - and that's where our experienced team can help.

At Create Finance, our bad credit mortgage brokers have helped many people climb the BTL property ladder and overcome credit issues like low credit scores, late payments, CCJs, defaults and IVAs. There are a number of lenders willing to consider credit issues, and because they specialise in the adverse credit mortgage market, they are often more understanding.

Your home may be repossessed if you do not keep up with your repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £595.

Find out how much you can borrow

    Get the expert mortgage advice you need now and it won't impact your credit history:







    Kickstart your ambitious BTL plans today

    Time is a great healer. This especially true for people with poor credit; however, you may not need to put your property goals on pause, waiting for that all important 'clean record'. With access, we can quickly identify lenders and products that fit your needs, helping you make a confident, informed decision on your financial future. We're transparent with our clients every step of the way, remaining clear and realistic about the next steps. Even if a mortgage is not available, we will always do our utmost to help, guiding you through the journey ahead, setting out steps to improve your financial future.

    Not all forms of mortgage are regulated by the Financial Conduct Authority.

    Tell us about your situation
    BTL plans today

    What our customers have to say...

    "Narinder has been absolutley amazing from the start .. understanding that the situation was not as easy to obtain a mortgage were i thought it was not a thing i would be able to even manage to get he made it happen .. excellent communication always ready to help and couldnt be more happier with his level of service and dedication to help me get on the property ladder taking into account that it was not going to be easy , but he made it happen." Trusted Customer

    "Nicola has been fantastic from start to finish. She put me at ease despite a not so perfect credit history and managed to secure me a fantastic offer on a mortgage. I could not have done this without her help and feel very privileged she invested her time and skill in helping us ! Nicola kept us informed throughout and I never felt out of the loop. She was upfront and honest from the get go." Trusted Customer

    "Gindy got us an unbelievable deal. Our credit rating is not the best but both Gindy and Charlotte worked tirelessly to get all the necessary information before securing us a great deal with a high street lender. This was all completed within a month.I would not hesitate to recommend Gindy/ Create Finance to anyone looking for a mortgage." Trusted Customer

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    Why choose Create Finance?

    We specialise in the adverse credit BTL mortgage market. Whether you have no credit history, a low score, late payments, missed payments, defaults, CCJs, an IVA or have been made bankrupt; we're here to help. Below are just a few reasons why many seasoned and aspiring landlords put their faith in our mortgage brokers who are experienced in dealing with bad credit.

    • We give you access to specialist lenders who have a greater appetite for risk.
    • Our adverse credit brokers handle the entire process for you, managing all the necessary paperwork and communicating with all the relevant parties through to completion.
    • Create Finance was recently awarded the "Gold Trusted Service Award" by Feefo. We're also recognised as the "OMA Best Overall Company" for customer care.
    • We provide transparent advice, manage your expectations and streamline the process of applying for a BTL mortgage with bad credit.

    No matter where you are on your BTL mortgage journey or your past financial difficulties, we have a proven track record of negotiating with specialist lenders that are better positioned to offer you a more flexible deal.

    Request your free consultation

    Don't let bad credit, CCJs, IVAs or defaults impact you.

    Create Finance help you get the mortgage you need.

    We're experienced, specialists in getting mortgages for people with bad credit, we know the best lenders to approach for you and will find a mortgage that suits your exact requirements.

    We have access to a huge number of mortgages from many different lenders, including deals that are only available to brokers like us. Many of these aren't available from High Street banks.

    Contact us below and we'll discuss how to get you a mortgage. It's free and won't impact your credit rating.

    To learn more about us and how we can help you please call 01332 742741 or send us a message below and we'll be back in touch as soon as possible.

      Get the expert mortgage advice you need now and it won't impact your credit history:







      Create Finance Limited is an appointed representative of Mortgage Advice Bureau (Derby) Limited which is authorised and regulated by the Financial Conduct Authority.

      Create Finance Limited. Registered Office: 35 Friar Gate Studios, Ford Street, Derby, Derbyshire, England, DE1 1EE. Registered in England Number: 09582938.

      Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £595.

      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. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

      We may receive commission that will vary depending on the lender, product or permissible factors, The nature of any commission model will be confirmed to you before you proceed. Create Finance Ltd are a credit broker, not a lender.

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