Generally speaking, the negative information will stay on your report for six years, but it is still possible to build up your credit score by using credit responsibly during that time. Lenders will base the affordability of a bad credit BTL mortgage on the rental income the property will generate, although they may also look into the other income streams or financial commitments a prospective borrower has in place. There are various deals available at a range of interest rates and repayments terms which can usually be accessed on an interest-only or repayment basis. With such a wide range of options available, even for borrowers with adverse credit, it really does make sense to work with a specialist advisor who knows precisely where to turn to find buy-to-let mortgage deals with bad credit.