Our advisors commonly talk to individuals who have been turned down for a buy-to-let on income requirements. The breadth of lenders that we work with means that we may be able to help you in spite of your experiences elsewhere.

What is the minimum income for a buy-to-let mortgage?

Depending on your wider circumstances it is possible that we could find you a lender even if your income is very low. Whilst high street lenders may ask for a minimum of £25,000 per annum, we can match you with lenders who assess each application on a case-by-case basis. In some instances, a lender might grant a loan if:

  • You are an experienced landlord with one or more investment mortgages;
  • You have any verifiable income, even if it is less than £25,000;
  • Your income or savings are sufficient to cover void periods of 3 to 6 months;
  • You have been self employed for at least 12 months and can evidence 6 months’ bank statements showing good conduct;
  • You are one of up to 4 applicants who can meet the minimum requirement between you, so long as at least one applicant owns a property; or
  • You meet all of the lender’s other criteria, including rental cover from the new property

The buy-to-let marketplace is becoming increasingly flexible, with a versatile range of products to suit a number of borrowers. Even if buy-to-let income requirements have prohibited you from taking out a mortgage in the past, we may be able to help you now. If you would like to contact us to discuss your options, call us on one of the numbers above or request a quote online.

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4 stars

14 March 2017

Good efficient service

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5 stars

01 March 2017

Further Borrowing

Just want to say thanks to Peter W and the team at Commercial Trust who processed my application. They guided me every step of the way from start to f... Read more