If you have had issues with credit repayments in the past and worry that you won’t qualify for a buy-to-let mortgage, or if you have already applied and been turned down elsewhere, we may be able to help.

You need to check a wide range of buy to let lenders

You may have been turned down for a buy-to-let mortgage because a lender or company you have approached for help could not access the range of products that we can.

Not all credit issues affect mortgages the same way

Not all credit issues automatically prevent you from securing a buy to let mortgage. Their recentness and severity also play a big part.

Understand how your credit history can affect a mortgage application

Below we have outlined common credit problems that we deal with.

In some cases, your credit history might mean we cannot help you at this time. But if you fall within the criteria stipulated below, call us today to discuss your circumstances.


  • Secured: Some lenders will consider arrears on mortgages and secured loans on a case-by-case basis. You have a higher chance of success if the arrears are older than 24 months.
  • Unsecured: Whether unsecured arrears are accepted depends on their regularity and severity. We will look at your credit report with you and suggest an appropriate course of action.


  • Lenders will not consider your case if you are currently bankrupt. You must be free from bankruptcy (discharged) for a minimum of one year.
  • Your options broaden more the longer you have been discharged. But many lenders will still not lend to clients who have been bankrupt in the past, regardless of the date of discharge.

The Insolvency Service has produced a Guide to Bankruptcy. This publication provides more information on the bankruptcy process, including how and when bankruptcy ends.

County Court judgements (CCJs)

  • Provided that they are satisfied (paid), you can have CCJs of up to £250, irrespective of when they were issued.
  • Otherwise we deal with lenders who will consider clients with CCJs on a case-by-case basis.
  • If the judgement is older than 24 months, satisfied and/or a small amount, you are more likely to be accepted.

If you pay a CCJ within one month and get a certificate of satisfaction from the Court, you can ask the Court to remove it from the register. Find out more about CCJs at www.gov.uk.

Debt management plans

  • Few lenders accept clients who are currently on debt management plans.
  • Those that do will insist that the account is up to date and want to see evidence of satisfactory conduct regarding payments. They may also require that the loan will be used to settle the outstanding debt.
  • Most lenders that accept historic debt management plans state a minimum time period since settlement, which can range from six months to six years.
  • It is possible to find a lender who will accept an application immediately after settlement, but they may request an explanation for the default.

See the Citizens Advice website for more information on debt management plans.


  • Provided that they are satisfied, you can have defaults of up to £250, irrespective of when they were recorded.
  • Otherwise we deal with lenders who will consider clients with recorded defaults on a case-by-case basis.
  • Lenders are more likely to ignore defaults recorded more than three years ago.
  • Some lenders ignore defaults on certain types of accounts, such as mobile phone contracts.

The Information Commissioner’s Office (ICO) reports that in general, creditors record a default after a borrower has been in arrears for between three and six months. A default shows that the relationship between borrower and creditor has broken down.

IVAs (Individual Voluntary Arrangements)

  • A very small number of lenders will consider clients with an active IVA provided that it is up to date and the client has made all payments on time. The loan proceeds must be used to clear the debt.
  • A few lenders will also consider clients with IVAs that were settled over a year before the application.
  • Most lenders who consider IVAs prefer them to have been settled for between three and six years at least.

Find out more about IVAs at www.gov.uk.


  • The repossession must have occurred a minimum of three years ago. You will need to have demonstrated good credit conduct since.
  • A larger number of lenders will consider clients whose repossession occurred over six years ago.

Having had a property repossessed in the past is, in isolation, no longer enough to prevent you outright from securing a buy-to-let mortgage. But only a small proportion of lenders will consider clients with repossessions on their credit file. Call us to discuss your application and see if we can help you.

Specialist bed credit mortgages for landlords

If you have other questions about your eligibility for a buy to let mortgage, please call our consultants on the number at the top of this page to discuss your circumstances. Alternatively, you can enquire online. You might be pleasantly surprised to find that you can still qualify.

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