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Targeted SolutionUnemployedNo IncomeAsset-Based LendingCash Rich

Investing When Unemployed but Asset Rich

You have a large deposit or substantial equity, but no current job or PAYE income. High-street banks will reject you instantly. We use Asset-Based Lending to get you funded.

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The "Computer Says No" Trap

You might be taking a career break, caring for family, or simply living off savings. You have £100,000 in the bank to invest in a Buy-to-Let, but traditional banks reject you because you have no "provable personal income."

Asset-Based Lending is the Key

High-street lenders lend against you. Commercial lenders lend against the asset. If the property deal is strong, your personal unemployment status is largely irrelevant.

  • No Minimum Income Requirements: We access specialist Buy-to-Let lenders who have strictly no minimum personal income thresholds.
  • Yield-Driven Finance: The loan is approved based on the projected Rental Yield of the property. If the rent covers the mortgage by 125%, the loan is approved.
  • Bridging for Uplift: We can secure bridging finance to buy dilapidated stock, refurbish it, and refinance—creating your own job through property development.