help@gemstonemortgages.co.uk 01206 564776

Buy to Let Mortgages

If you’re looking to make a secure, long-standing investment then property will continue to be a great option. However, if you are relying on a buy-to-let mortgage for some or all of your portfolio, it is crucial that you have found lending that is fit for purpose.

Your home may be repossessed if you do not keep up repayments on your mortgage.

With our extensive knowledge and access to the whole market of buy-to-let lenders, we can match you to an option that will give you the best yield from your investment. The rental market can be complex to navigate if this is your first buy-to-let purchase, but with our guidance and reassurance you can feel confident that you have made the right investment. If you want to extend or consolidate your property portfolio, we’re here to help and advise.

Affordability

It’s important to consider how affordable a buy-to-let mortgage is for you, as this lending is likely to have a higher interest rate and require a larger deposit (typically 20-40%).

The size of your deposit will directly influence the amount you can borrow and the interest rate you pay. Personal circumstances and rental income will also be thoroughly assessed. You will be expected to receive more in rent every month than you would need to repay on your buy-to-let mortgage.

There are many online services that offer an affordability calculation for your buy-to-let mortgage, but we would always recommend coming to us directly to receive a calculation that is truly bespoke to your needs and requirements and likely to result in a lending offer.

Investment benefits

There are plenty of risk and return considerations to be made before investing in a buy-to-let property. If you have reliable tenants, suitable protection services and you carefully choose the right time in the housing market to sell, you are likely to be looking at a comfortable profit.

However, as with any investment it is always important to consider the risks involved. If this is your first buy-to-let mortgage, you may be unsure about the potential challenges. You should ensure you are aware of the interest rates, charges, necessary protection, as well as the possible pitfalls of difficult tenants.

At Gemstone Mortgages we are able to share our years of commercial and corporate experience with our buy-to-let clients. We can walk you through all the complexities and make sure we find a lender that suits your needs and expectations and help you to manage your portfolio. We can even help you to find the right property to suit your buy-to-let investment.

Need buy-to-let mortgage advice? Our experts can help de-mystify the market and match you with the right lender.

 

Please note; the Financial Conduct Authority does not regulate most Buy to Let Mortgages

Get in touch

Eager to get the best yield from your first buy-to-let purchase?

Get in touch with our expert team here at Gemstone Mortgages today, where we’ll take the time to match you to an option that best suits your needs.

01206 564776 help@gemstonemortgages.co.uk
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Based on 63 reviews.
Chaay Cattaneo
Chaay Cattaneo
2021-08-12
recommendsVerified
Worked really well with me and my partner very helpful couldn’t asked for a better experience! Highly recommend! Thankyou guys!!! 🤩🤩
Karen Lucas
Karen Lucas
2021-08-10
recommendsVerified
Great service, very knowledgeable and helpful. Thanks for all of your help and support! 😊
Connor Chapman
Connor Chapman
2021-07-19
recommendsVerified
Friendly, reliable and hard working! Thanks team!
Roya Collins
Roya Collins
2021-07-11
recommendsVerified
Absolutely outstanding service from Gemstone, spoke to many others before Gemma and they were all either negative or uninspiring! Gemma got us our mortgage agreed and an offer within an hour - it was out of this world!! Would recommend her and her lovely team (Hollie and Emma) to anyone and everyone. We have rented for years and we now have our own home which we exchanged on within 4 weeks. Gemma made me feel confident in her knowledge and ability to place the mortgage with the right lender and I will never be able to thank her enough. Roya & Brett Collins
Katie Buckle
Katie Buckle
2021-07-05
recommendsVerified
As first time buyers we could not have wished for a better mortgage broker to go with then Gemstone. So wonderfully knowledgable, professional and helpful from the get go we will 100% recommend them to all family and friends. Not forceful with their sales techniques but instead tell you your options, advise you what would be best for your situation and leave you to make any ultimate decisions. This is much unlike a number of other mortgage brokers who tried to distastefully force their services on us, this was one of the main reasons that led us to choose Gemstone. We have worked very closely with Hollie, who has shared our excitement with us, good news and assisted us with endless questions, queries and updates whenever we had something we wanted to know! We are so happy we have started our first journey to becoming home owners with Gemstone and the entire process has truly seemed like a breeze. Thank you Gemstone, Liv and especially Hollie! Katie and Thomas x (Soon to be first time proud home owners)
Kate Everett
Kate Everett
2021-07-02
recommendsVerified
Not only did Gemma and the team complete our complex multi-property mortgage offer in less than a month (and just 48 hours for the offer in principle), they have made the whole process so easy. I have already recommended Gemstone to friends - one of whom was assured by another broker that she could only borrow a low amount at a high interest rate. Gemstone's help has changed everything for her. I could go on, but I can only say this is an incredible company whether you are a first-time buyer, remortgaging or looking for a buy-to-let mortgage. Thank you so much - you are all just amazing!
Gina Moss
Gina Moss
2021-06-29
recommendsVerified
Thank you to Gemma and her team for the amazing support and advice over the last year. You have always been so approachable and friendly, and always happy to help at short notice. The service was professional and reliable, my husband and I would definitely recommend Gemstone Mortgages. Thank you also for the beautiful moving in, gift box! This was a wonderful surprise that arrived the day after we moved into our new home, what a lovely touch!
John Aves
John Aves
2021-06-29
recommendsVerified
Gemstone should be the only broker you consider. They have Experience in abundance, they're on hand to help with any query (no matter how silly you think it might be) and they're incredibly knowledgeable in their field. Gemstone came highly recommended to us by several people, and having experienced their service first hand, I can understand why and I'll be recommending them to everyone I know. Hollie, Emma and the team made the process of buying a house so much easier, we would certainly have been lost without their guidance.
Mollie Cocks
Mollie Cocks
2021-06-23
recommendsVerified
I couldn’t recommend Gemstone Mortgages enough. So happy with their service, they was there whenever we needed them. They fought for us and got us our mortgage offer. Will be forever grateful. 1000000% be recommended them to family and friends. 🌟🌟🌟🌟🌟 Again thank you for everything💕
Kate Ivy
Kate Ivy
2021-06-02
recommendsVerified
The team at Gemstone Mortgages are all brilliant. Within a day of someone recommending them to us, we had spoken with both Gemma and Hollie and made a plan of action for our mortgage application. Our previous mortgage experience had been stressful and drawn out but Gemstone made the whole experience quick and easy. They offered amazing advice and support. Whenever we had a question, they were always quick to respond and nothing was too much effort. I would thoroughly recommend them to anyone!