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Buy-to-let with adverse credit is a specialist niche within a specialist niche. The lenders who handle this are few — but they exist, and Darryl has direct access to them.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
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BTL Adverse Credit — Key Differences from Residential
A buy-to-let mortgage with bad credit — whether that’s a CCJ, default, or missed payments on your history — is assessed differently to a standard buy-to-let mortgage. Specialist buy-to-let mortgage bad credit lenders look primarily at rental coverage — the ratio of rental income to mortgage payment — rather than personal income. This can actually work in your favour if the rental income is strong relative to the loan required. Darryl calculates the rental stress test calculation before identifying suitable bad credit buy-to-let mortgage lenders for your specific case.
BTL Adverse Scenario
Indicative Rate
Min Deposit
BTL, minor adverse credit (old satisfied CCJ)
5.2–5.9%
25%
BTL, CCJ within 3 years or defaults
5.8–6.5%
25–30%
BTL, completed IVA or DMP
6.5–7.5%
30%
BTL, multiple adverse events
7.0–8.5%
30%+
Indicative ranges, June 2026. Subject to individual circumstances and lender criteria.
About Darryl Dhoffer
CeMAP and CeRER qualified independent mortgage broker. FCA regulated — No. 301173. Based in Bedford, serving clients across the UK since 2015. Specialises in adverse credit, complex income and specialist mortgage cases. Every client works directly with Darryl — no handoffs, no call centres.
Can I use a limited company structure for a bad credit BTL mortgage?
Yes — some specialist lenders offer limited company BTL mortgages for borrowers with adverse credit. The personal credit of the company director is still assessed. Whether personal or limited company structure is better depends on your tax position and specific credit profile.
I have a portfolio of BTL properties and bad credit. Can I remortgage?
Portfolio remortgage with adverse credit requires a lender experienced in both portfolio assessment and adverse underwriting. Darryl has specific lender relationships for portfolio landlords with complex credit histories.
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FCA No. 301173
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We will be in touch shortly. Darryl personally responds within 2 hours Mon–Fri 9am–6pm.
Yes, but options are more limited than residential bad credit mortgages. Specialist lenders including Aldermore, BM Solutions (in some cases) and specialist BTL adverse lenders will consider applications. Rental coverage ratios become even more important with adverse credit.
What rental coverage do I need for a bad credit BTL mortgage?
Specialist BTL adverse lenders typically require rental income to cover 125-145% of the monthly mortgage payment at a stressed test rate (typically 5.5-6%). This is higher than mainstream BTL requirements.
Can I get a BTL mortgage if I have an IVA?
Post-IVA completion BTL mortgages are possible with specialist lenders, typically requiring 25-30% deposit and rental coverage. Darryl assesses the specific IVA timeline and rental income to identify viable options.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT. This page is for general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN.
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