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Secured Loans > Our Loans > Buy to let secured loans

Consumer buy-to-let loans for you

If you become an accidental landlord, securing a loan against your property can be a great way to fund improvements or tackle other financial priorities. We understand that everyone’s financial circumstances may be different, which is why we offer the support you may need to source additional finance.

As a consumer buy-to-let lender, our loans have helped accidental landlords access funds while renting out their home for various reasons. We’d be happy to discuss your situation to find a solution that works for you. Even if you have a poor credit score  , we can still consider you for a consumer buy-to-let loan.

All you need to do is contact us to speak to our experts direct by calling 0161 814 9158 or email info@evolutionmoney.co.uk to discuss your needs in more detail.

Make sure you take a look at the other loans we offer as well as our hundreds of positive Feefo reviews to see why we’re an award-winning provider of secured loans in the UK.


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How much do you want to borrow? £5,000 to £100,000
For how long? 3 to 20 years.
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What is a consumer buy-to-let loan? A quick definition

A consumer buy-to-let loan, or CTBL loan, is a loan designed for people who become ‘accidental landlords’. This happens if you find yourself owning a property that you can let out due to unexpected or temporary circumstances, rather than buying it with the intention of becoming a landlord for business or investment purposes. This could happen because:

  • You want to relocate for work or travel temporarily and decide to rent out your home in the meantime to generate extra income, then live in it again when you return.
  • You inherit a property that you don’t want to sell, for example if you want to keep it for your children to eventually move into.
  • You’re struggling to sell your home so decide to rent it out when you buy another one.
  • You’ve moved in with your partner but don’t want to sell your property.

A consumer buy-to-let loan allows you to use this property as collateral to raise funds to use for almost any purpose including home improvements and debt consolidation.

Our consumer buy-to-let loans range from £5,000 to £50,000 to help you access the amount you need. Plus we offer a range of repayment terms, allowing you to pay back the loan over a period between 3 and 20 years.

If you want to find out more, please get in touch with our team today. We’ll be happy to answer your questions and talk you through the application process.


Am I eligible for a consumer buy-to-let loan?

If you think a consumer buy-to-let loan is the best option for your circumstances, make sure you meet our eligibility criteria. You must:

  • Be a ‘homeowner non-occupier’, i.e. you own a property but don’t currently live in it
  • Have a mortgage on the property
  • Be between 21 and 70* years old
  • Be living in the UK
  • Be able to pay back the loan comfortably from your income

*Please be aware that the full loan must be paid back by your 70th birthday

If you're looking to obtain credit, our secured loans can be used for a range of purposes

Carry out home improvements and invest back into your property
Bigger Personal Items such as cars can be financed using a secured loan
Debt consolidation simplifies your repayments by putting your debt into one convenient payment
Even if you have bad credit, we could still help you with a loan

What are the benefits of our consumer buy-to-let loans?

  • You may be able to borrow more against your property than you can with an unsecured loan
  • Secured loan interest rates may be lower than unsecured
  • Repayment terms range from five to 20 years
  • You can be approved for a secured loan even with a bad credit rating
  • Consistently repaying your consumer buy-to-let loan on time can boost your credit score


What should I be aware of when taking out a consumer buy-to-let loan?

  • Your property may be repossessed if you fail to pay back your loan
  • Borrowing too much can lead to financial struggles
  • Longer repayment terms may mean you pay more in interest
  • Missing repayments could impact your credit score
  • Early repayment charges cost two months of interest


Why choose Evolution Money as your consumer buy-to-let lender?

Our approach to approving consumer buy-to-let loans sets us apart from other lenders and we’re committed to assessing your entire financial position, not just your credit rating.

Apply for a consumer buy-to-let loan today

If a consumer buy-to-let loan sounds like a solution that meets your current financial circumstances, apply for one today using the button below. This loan option lets you use your property for extra funds even if you’re not living in it, and our repayment terms can be tailored to your needs.

Do you have a question about our secured loans or the application process? Get in touch by giving us a quick call on 0161 814 9158. Alternatively, you can take a look at our help and advice page for more information.

Apply for a consumer buy-to-let loan

Representative 28.96% APRC (Variable) - For a typical loan of £20,950 over 85 months with a variable interest rate of 23.00% per annum, your monthly repayments would be £537.44. Including a Product Fee of £2,095.00 (10% of the loan amount) and a Lending Fee of £714.00, the total amount repayable is £45,682.15. Annual Interest Rates ranging from 11.7% to 46.5% (variable). Maximum 50.00% APRC. The loan must be paid back by your 70th birthday. Read more.

Think carefully before securing debts against your home your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured against it. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
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