Buy-to-Let Mortgages

Whether you are purchasing your first investment property or expanding an existing portfolio, Greenstone Mortgages helps landlords across the UK arrange the right buy-to-let mortgage with a clear, structured approach.

Buy-to-let lending is assessed differently to residential mortgages. Lenders focus heavily on the property's rental income, your deposit, your tax position and in some cases your wider personal income. We help you understand what lenders will look for, compare suitable products, and manage the application end-to-end so you can move quickly when the right property comes along.

Buy-to-Let Mortgages

How Greenstone Helps Buy-to-Let Landlords

  1. Mortgage options for first-time landlords and experienced investors

  2. Support for single properties and portfolio landlords

  3. Advice on affordability and rental stress testing

  4. Limited company and SPV buy-to-let solutions (where suitable)

  5. Remortgage and equity release for future investments

Key Benefits

Illustration for Key Benefits

Access to a wide panel of UK buy-to-let lenders

Clear guidance on rental coverage requirements

Help structuring applications for limited company purchases

Support with remortgages, product transfers and portfolio planning

Key Things Lenders Typically Consider

  • Expected monthly rent and rental coverage ratios
  • Deposit size (often higher than residential)
  • Your credit profile and existing commitments
  • Property type and location
  • Landlord experience (some lenders are stricter than others)

FAQs

Many buy-to-let mortgages start from 20% to 25% deposit, but it depends on the lender, property and your circumstances.
It is possible, but criteria can be stricter. We can advise on lenders that consider first-time buyers and first-time landlords.
It depends on your tax position, long-term plans and portfolio size. We can explain the pros and cons and help you choose the right route.
Lenders check whether the expected rent comfortably covers the mortgage payment, often using a higher assumed interest rate to test affordability.

Greenstone Mortgages is a trading name of WIS Contractor Mortgages Limited who is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK, and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA's website. By signing up, you agree we can email you about our products, services, offers, news, insights, and research. Unsubscribe any time. More in our privacy policy or by contacting the FCA on 0800 111 6768. Our Financial Services Register number is 824411.

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority therefore you may not have the same consumer protection with these mortgages as they are considered a business transaction.

Registered in England and Wales with company registration number 11496588. The registered address is 4 Imperial Place, Maxwell Road, Borehamwood, England, WD6 1JN.

We are a credit broker, not a lender and information on our charges can be found here.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.