Yes — but you’ll need the right lender and a smart approach.
If you’ve got a poor credit history and want to invest in property, you might assume buy-to-let is off the table. But that’s not necessarily true.
There are lenders who specialise in helping people with bad credit — especially if you have a decent deposit and a solid plan.
💳 What Counts as Bad Credit?
Common issues that lenders look at:
- Missed or late payments
- Defaults or CCJs
- Payday loans
- Debt management plans (DMPs)
- Bankruptcy or IVA
The more recent or severe the issue, the more cautious the lender may be — but it doesn’t mean automatic rejection.
🏠 What Do Lenders Look For in Buy-to-Let Applications?
With buy-to-let, lenders care about:
- Rental income — usually needs to be 125%–145% of your mortgage payment
- Deposit size — 20–25% is standard, but more may be needed with bad credit
- Your credit profile — the older and smaller the issue, the better
- Landlord experience — not essential, but helpful
🧠 How to Improve Your Chances
✅ Check your credit report (Equifax, Experian, TransUnion)
✅ Save for a larger deposit (more equity = less risk)
✅ Avoid new credit applications before applying
✅ Work with a specialist mortgage broker
🧾 Are Rates Higher with Bad Credit?
Usually, yes. You may pay more than someone with a clean credit file — but a broker can help you avoid the highest rates and move to better deals over time as your credit improves.
💬 Let’s Talk About Your Options
You don’t need perfect credit to become a landlord — just the right lender and a clear plan. I’ll help you understand what’s possible and guide you through the process step by step.
✅ Specialist lenders for bad credit buy-to-let
✅ Honest assessment of your options
✅ Expert support from application to approval