Bad Credit Buy-to-Let Mortgages in Peterborough

Past credit problems can leave you unsure whether buying a rental property or remortgaging an existing investment is possible. Some lenders consider applicants with adverse credit, but your options depend on the details of your history and the property you want to finance.

We provide advice on bad credit buy-to-let mortgages in Peterborough, helping you understand what may be available before you apply.

    Request a free call with
    a mortgage adviser:

    Check out our reviews

    Based on [testimonials_count] Google Reviews
    Posted on Google Google
    tony peluso profile picture
    tony peluso
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    I have used Tony for mortgage advice for many years, and he has also helped several members of my family during that time. He has always been extremely professional, knowledgeable and approachable, taking the time to explain everything clearly and making the whole process as straightforward and stress-free as possible. The fact that I have been happy to recommend Tony to my own family probably says more than anything else. He is someone I trust completely and I wouldn’t hesitate to recommend him to anyone looking for mortgage advice.
    Posted on Google Google
    Chloe Baker profile picture
    Chloe Baker
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Tony and his team are brilliant. Tony is always organised and strives to get the best possible rates! I feel like Tony and his team have his best interests at heart!
    Posted on Google Google
    Carrie Lloyd profile picture
    Carrie Lloyd
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    After my experience with Bespoke on two separate mortgage, I wouldn’t go to anyone else. My life was a complicated journey and not easy to obtain a mortgage after living abroad for years. But Tony was able to go above and beyond, knowing with decades of experiences which lender was the most suitable for their client. Their name Bespoke is not just a marketing trick, they live this out for every person who seeks their advice. They helped my dreams come true and lead with excellence, optimism and integrity. Don’t use anyone else, this company is second to none.
    Posted on Google Google
    Louie McGowan profile picture
    Louie McGowan
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    The team at Bespoke were absolutely sensational. They made things happen that others had struggled to do, whilst keeping us calm and collected with continuous support and guidance throughout the process. We look forward to working with the team again in the future and would be more than happy to recommend their services to anyone. Thank you again guys!
    Posted on Google Google
    NicChrisdamms Damms profile picture
    NicChrisdamms Damms
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Tony has always offered me fantastic service for over 15 years now . As a company, I feel Bespoke always goes above and beyond. I would not have a single hesitation in recommending them for your mortgage requirements
    Posted on Google Google
    Liz Dolman profile picture
    Liz Dolman
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    We have used Tony from Bespoke Mortgage and Finance Centre since 2014 and would highly recommend Tony. Very thorough and explains everything to you.
    Posted on Google Google
    David Wilson profile picture
    David Wilson
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Outstanding service from Bespoke. I had a previous mortgage broker who selfishly got deals that were right for her rather than my requirements, and her greed ended up with all 3 property remortgages falling through and failing the stress test. Tony and the team expertly repaired the applications with the correct re-mortgage products and applicable terms. Communication was reassuring during that uncertain time with regular check points and updates. The professionalism and efficiency was first class and I would not use anyone else moving forwards!
    Posted on Google Google
    Denise Dodd profile picture
    Denise Dodd
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Posted on Google Google
    Chris Ruggiero profile picture
    Chris Ruggiero
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Tony and the team at Bespoke Mortgages are absolutely fantastic. I consistently return to Tony for support when trying to organise Mortgages and he always pulls through!
    Posted on Google Google
    Craig profile picture
    Craig
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    We've been using Tony and the team at Bespoke Mortgage Centre for years. Down to earth and professional, truly a company I can trust and recommend to friends and family for any mortgage or finance needs. First Class Service every time.
    THE BMFC APPROACH

    Review Your Credit and Rental Plans Together with BMFC

    We assess the credit details alongside your deposit or equity, existing commitments, landlord experience and expected rent. A strong rental projection alone is not enough, so our advisers check how both you and the property fit relevant lender criteria.

    We compare suitable products, explain their rates and fees, and help prepare the evidence the lender needs. If investing now is unlikely to be suitable, we discuss what may need attention before you apply.

    BEFORE YOU APPLY

    A Few More Things to Consider

    Explore the details that matter to your decision. If you would like to discuss your own circumstances, our advisers are here to help.

    You remain responsible for mortgage payments when the property is empty or a tenant does not pay. Allow for repairs, insurance, letting costs and periods without rent when assessing your budget.

    A financial buffer can help you manage these costs without relying on uninterrupted rental income.

    Missed payments, defaults, CCJs and previous insolvency can affect your options differently. Lenders may consider when an issue occurred, the amount involved and whether it has been resolved.

    There is no universal waiting period or credit score that guarantees acceptance. Matching your circumstances to a lender’s criteria matters more than applying to several lenders in the hope of approval.

    Buy-to-let mortgages typically require a deposit of around 25%, although requirements vary. With adverse credit, you may need a larger deposit or face higher interest rates.

    Lenders also assess expected rental income, usually requiring it to exceed the mortgage interest payments by a set margin. They may consider your personal income and other properties too.

    YOUR NEXT STEP

    Explore Your Next Step as a Landlord

    Whether you are buying your first rental property or seeking a buy-to-let remortgage with bad credit, speak to our team about your circumstances and plans.

    Start with a free initial consultation to understand your options and what to prepare next.

    Your property may be repossessed if you do not keep up repayments on your mortgage.

    The FCA does not regulate some forms of buy to let mortgages.

    Request a free 1:1 call with a mortgage adviser: