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Buy to let secured loans

Secured Loans > Our Loans > Buy to let secured loans

Consumer Buy-to-Let Loans

  • Loans of £5,000 to £50,000 secured against your home
  • You may be able to secure the loan with a bad credit rating
  • Repayment terms from 3 to 20 years
  • We’re regulated by the Financial Conduct Authority

 

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.
Loan Purpose
What is your loan for? Your answer won't affect our decision but is helpful to know.
Is this a joint application?

What our customers say

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of customers are happy with our service

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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


Questions you may have about consumer buy-to-let loans

What information do I need to provide to get a consumer buy-to-let loan?

During the application process, we’ll need the following details from you before we can approve your consumer buy-to-let loan:

  • Full name
  • Address
  • Date of birth
  • Contact details
  • Employment status
  • Incomings and outgoings
  • Information about your property

How long will it take to get my consumer buy-to-let loan?

The application process can vary depending on your circumstances. We’ll aim for you to receive your funds within a few days of completing your application but this can be longer.

Are there fees for consumer buy-to-let loans?

Yes, there are fees for our loans and you’ll receive a full breakdown of your costs during the application process. These costs include a £714 Lending Fee and a Product Fee that is a percentage of the amount you’d like to borrow.

We’re always open and honest with our costs, so if you want to find out more about the fees involved with your loan, contact us today and our experts will be happy to help.

How to apply for a consumer buy-to-let loan

To apply for a consumer buy-to-let loan, simply fill out our online form. You can get in touch with our friendly team on 0161 814 9158 or email info@evolutionmoney.co.uk. We’ll then be happy to talk you through the application process and answer any questions you have along the way.

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 96 out of 100, based on 178 reviews over the past year. 178 user reviews. Read our reviews

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