Buy to Let with No Minimum Income

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Buy to Let with No Minimum Income
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Most lenders require you to have a minimum income of £25,000 before they provide you with a buy to let mortgage. However, there are some specialist lenders out there that can provide you with a buy to let mortgage with no minimum income. Some lenders will not deal with buy to let investors directly and can only be accessed through a specialist intermediary.

How can I get a buy to let with no minimum income?

It can be tough to get a buy to let mortgage with no minimum income, however it can be done. There are a select few lenders that provide buy to let mortgages with no minimum income but that’s only for people that fit their strict lending criteria.

Most commonly, lenders will be willing to provide a buy to let mortgage with no minimum income to people who can supply proof of income that supports their lifestyle – which can be any amount, as long as your personal financial situation is self sustainable. Being self sustainable means that you can keep your current commitments, like mortgage repayments, and also have some disposable income to allow you to live your life.

You don’t need to be employed/self-employed to support your own living, you could be living off a pension or disability payments etc.

What is a buy to let mortgage with no minimum income?

With a buy to let mortgage that requires no minimum income – there is no threshold value that is viewed as unacceptable. There are also some specialist lenders that will consider providing buy to let mortgages with no income at all, providing that the landlord is currently a homeowner and a business case can justify the situation.

Things to take away

These types of mortgages can be difficult to find on your own, given the nature of them. This is why we highly recommend utilising a specialist mortgage adviser to ensure that your income requirements (whatever they are) match the best mortgage available for your needs and circumstances. It’s also important to bear in mind, that if you are a landlord with existing buy to let properties with no other income that you could be limiting your own options.

However, we can help broaden your options and help you obtain a buy to let mortgage with no minimum income.

How we can help

Whether you are looking to expand your portfolio of rental properties or invest in your first buy to let property, we can match you with the perfect mortgage deal regardless of your income and individual circumstances.

By utilising our expert guidance, market leading providers and industry knowledge, we can assist you in getting the right buy to let mortgage to achieve the best returns on your initial investment thus allowing you to be in the best position to build your portfolio in the future.

We are specialist buy to let mortgage brokers providing expert advice and information to buy to let investors about the best buy to let mortgage deals currently available. The world of buy to let and property investment has grown tremendously over the last few years, and with it the need for a broad range of buy to let mortgages and specialist mortgage brokers to identify the best products for your circumstances.

What we will do

We will help you and advise you on the current available products. We will search across the market and also search the private lenders. We will help you to decide which BTL mortgage product best suits your needs based on your individual circumstances and your long term objective. Ascot Mortgages specialise in the provision of advice and buy to let mortgage finance for residential and commercial property investment.

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