     EXCELLENT  
  5.084 reviews

Hearthstone Mortgages is a 5-star rated Buy-to-Let Mortgages broker in Gerrards Cross, Buckinghamshire

Buy to Let Mortgages in Gerrards Cross

Expert buy-to-let mortgage advice for property investors in Gerrards Cross. Access specialist BTL rates, portfolio lending, and limited company mortgages. Whole-of-market brokers maximising your investment returns.

Request a callback

Leave your details and one of our local advisers will be in touch, usually within 24 hours, to help you take the next step. Alternatively you can call us on 01753 463391 if your enquiry is more urgent.

     EXCELLENT  
  84 reviews

Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Reference number: 945282).

Here's What Our Clients Say.

      EXCELLENT  
   Based on 84 reviews 
    
 
 
 
   
 
 
      Posted on Google  
  
 
   Aamir Shahmeer 
 9 September 2026
 
 
  Thank you very much, Sukhraj, for your assistance and advice regarding my first mortgage every step proceeded smoothly and without stress, and I highly recommend your excellent services.
  
 
     Posted on Google  
  
 
   Sheikh Ahmad 
 27 August 2026
 
 
  "Five-star service from start to finish! Sukhraj Samra from Hearthstone incredibly helpful, always available to answer my questions, and explained every step of the mortgage approval clearly.
As an first time buyer Thank you so much.
  
 
     Posted on Google  
  
 
   Isabel Giles 
 16 August 2026
 
 
  I got in touch with Hearthstone as their reviews and ethos looked great. Unfortunately, even when just trying to arrange a short initial appointment with Ajay, I found the communication disappointing.

One email where I provided my available dates and times wasn’t responded to for a week, and I only received a response after sending a follow-up email. After their reply, I again received no response for another week. By that point, thankfully, I had found another mortgage broker who was much more responsive.

I appreciate that businesses can get busy, but based on my experience, I would be cautious about using Hearthstone if you’re on a tight timeframe or value prompt communication, particularly if you have questions throughout the mortgage process
  
 
     Posted on Google  
  
 
   Manpreet Sanghera 
 10 August 2026
 
 
  A great supportive service provided by Sukhraj, I went to him with complicated circumstances but he was not phased and worked hard to source me the best deal and with added time constraints he achieved the result that I needed. I highly recommend Sukhraj and the team as everything is explained clearly and very transparent around charges. Thank you Sukhraj
  
 
     Posted on Google  
  
 
   Suraj Kareer 
 10 July 2026
 
 
  I used Harri for my mortgage broker. There will be no going back, amazing service from start to finish. Pursued the lenders on my behalf and kept me informed in the whole process. Most importantly he kept me calm and relaxed during this stressful period. I will be using his services again without any hesitation.
  
 
     Posted on Google  
  
 
   Shahid Hussain 
 30 June 2026
 
 
  I can’t thank Sukhraj Samra enough for all the help and support throughout my residential mortgage application. The whole process was explained clearly from start to finish, and any questions I had were answered quickly and professionally. Sukhraj kept me updated at every stage and made what could have been a stressful experience feel straightforward. Thanks to his dedication and expertise, I received my full mortgage offer. I would highly recommend Sukhraj to anyone looking for a knowledgeable, reliable, and trustworthy mortgage broker.
  
 
     Posted on Google  
  
 
   W Amd 
 3 February 2026
 
 
  I really appreciate
Very quick response
Very professional
👍 sukhraj 👍
  
 
     Posted on Google  
  
 
   Manpreet Grewal 
 6 January 2026
 
 
  First time I’ve used Hari and the whole experience was seamless and all went smoothly. He was very helpful and provided various rates that suited. Communication was first class and I will be using him again. Thank you Hari!
  
 
     Posted on Google  
  
 
   Rosina Kapoor 
 6 January 2026
 
 
  Hearth Stone Mortgages provides outstanding and highly professional service. From the very first day, Sukhraj took the time to understand my situation and clearly explained all the available options. He was always accessible, incredibly responsive, and went above and beyond throughout the entire process.

Sukhraj is exceptionally knowledgeable, experienced, and supportive. I would highly recommend him to anyone looking for a reliable and expert mortgage advisor.
  
 
     Posted on Google  
  
 
   azi choudry 
 20 November 2025
 
 
  I must say that Hearth Stone mortgages provide excellent and professional service. I’ve dealt with Sukhraj who is great when it comes to mortgages, I’ve dealt with several mortgage advisors over the years but he is levels above your standard mortgage advisor. Don’t waste your time with other mortgage advisors go to him and he will get your mortgage approved…

Building Your Property Portfolio in South Buckinghamshire.

Whether you’re purchasing your first rental property near Gerrards Cross station or expanding an established portfolio across South Buckinghamshire, securing the right buy-to-let mortgage is fundamental to your investment success. The local rental market continues to attract strong interest from London commuters seeking quality homes near excellent schools, with the 18-minute direct train to Marylebone making properties here particularly appealing to professional tenants.

At Hearthstone Mortgages, we specialise in helping landlords navigate the evolving buy-to-let mortgage landscape. From understanding new lending criteria to maximising tax efficiency through limited company structures, our whole-of-market access ensures you secure competitive rates that work for your investment strategy. With property investment opportunities ranging from traditional family homes in Chalfont St Peter to modern developments attracting corporate tenants near Beaconsfield, having a local mortgage broker who understands both the area and the specialist lending market makes all the difference.

Buy to Let Mortgage calculator.

Estimate your monthly mortgage costs, loan-to-value, and potential rental yield based on your property price, deposit, interest rate and rent with our free to use Buy to Let mortgage calculator. Ideal for landlords and property investors.

Our mortgage activity at a glance

153

Mortgages completed in 2026.

£27,191,837

Lending secured for our clients in 2026.

£239,643

Average mortgage secured for our clients in 2026.

JavaScript is disabled, so this widget is showing the default year only.

Why clients trust Hearthstone Mortgages.

Mortgages, but not as you know them;

Whole-of-market advice – independent, unrestricted lender access
Same-day agreement in principle – get clarity fast, provided we have your full details
FCCA, MBA, CeMAP & CeRER qualified team – high-level credentials, real experience
Property investors advising property investors – we’ve done it ourselves
Specialists in bridging, development & equity release
Award-winning, highly reviewed – verified 5-star Google ratings
Olympic ambition, real-world results – we aim high, deliver better
Film-producer founded – creative, not corporate
FCA regulated & transparent – compliance meets clarity

Proud to support the Local Community.

We proudly support:

Chalfont Otters Swimming Club – Premier Sponsor.
Beaconsfield Town FC – Main Sponsor.
Wycombe Wanderers FC – Community Partner.
Featured in Bucks Free Press and MSN News.

What our clients think:

      EXCELLENT  
   Based on 84 reviews 
    
 
 
 
   
 
 
      Posted on Google  
  
 
   Aamir Shahmeer 
 9 September 2026
 
 
  Thank you very much, Sukhraj, for your assistance and advice regarding my first mortgage every step proceeded smoothly and without stress, and I highly recommend your excellent services.
  
 
     Posted on Google  
  
 
   Sheikh Ahmad 
 27 August 2026
 
 
  "Five-star service from start to finish! Sukhraj Samra from Hearthstone incredibly helpful, always available to answer my questions, and explained every step of the mortgage approval clearly.
As an first time buyer Thank you so much.
  
 
     Posted on Google  
  
 
   Isabel Giles 
 16 August 2026
 
 
  I got in touch with Hearthstone as their reviews and ethos looked great. Unfortunately, even when just trying to arrange a short initial appointment with Ajay, I found the communication disappointing.

One email where I provided my available dates and times wasn’t responded to for a week, and I only received a response after sending a follow-up email. After their reply, I again received no response for another week. By that point, thankfully, I had found another mortgage broker who was much more responsive.

I appreciate that businesses can get busy, but based on my experience, I would be cautious about using Hearthstone if you’re on a tight timeframe or value prompt communication, particularly if you have questions throughout the mortgage process
  
 
     Posted on Google  
  
 
   Manpreet Sanghera 
 10 August 2026
 
 
  A great supportive service provided by Sukhraj, I went to him with complicated circumstances but he was not phased and worked hard to source me the best deal and with added time constraints he achieved the result that I needed. I highly recommend Sukhraj and the team as everything is explained clearly and very transparent around charges. Thank you Sukhraj
  
 
     Posted on Google  
  
 
   Suraj Kareer 
 10 July 2026
 
 
  I used Harri for my mortgage broker. There will be no going back, amazing service from start to finish. Pursued the lenders on my behalf and kept me informed in the whole process. Most importantly he kept me calm and relaxed during this stressful period. I will be using his services again without any hesitation.
  
 
     Posted on Google  
  
 
   Shahid Hussain 
 30 June 2026
 
 
  I can’t thank Sukhraj Samra enough for all the help and support throughout my residential mortgage application. The whole process was explained clearly from start to finish, and any questions I had were answered quickly and professionally. Sukhraj kept me updated at every stage and made what could have been a stressful experience feel straightforward. Thanks to his dedication and expertise, I received my full mortgage offer. I would highly recommend Sukhraj to anyone looking for a knowledgeable, reliable, and trustworthy mortgage broker.
  
 
     Posted on Google  
  
 
   W Amd 
 3 February 2026
 
 
  I really appreciate
Very quick response
Very professional
👍 sukhraj 👍
  
 
     Posted on Google  
  
 
   Manpreet Grewal 
 6 January 2026
 
 
  First time I’ve used Hari and the whole experience was seamless and all went smoothly. He was very helpful and provided various rates that suited. Communication was first class and I will be using him again. Thank you Hari!
  
 
     Posted on Google  
  
 
   Rosina Kapoor 
 6 January 2026
 
 
  Hearth Stone Mortgages provides outstanding and highly professional service. From the very first day, Sukhraj took the time to understand my situation and clearly explained all the available options. He was always accessible, incredibly responsive, and went above and beyond throughout the entire process.

Sukhraj is exceptionally knowledgeable, experienced, and supportive. I would highly recommend him to anyone looking for a reliable and expert mortgage advisor.
  
 
     Posted on Google  
  
 
   azi choudry 
 20 November 2025
 
 
  I must say that Hearth Stone mortgages provide excellent and professional service. I’ve dealt with Sukhraj who is great when it comes to mortgages, I’ve dealt with several mortgage advisors over the years but he is levels above your standard mortgage advisor. Don’t waste your time with other mortgage advisors go to him and he will get your mortgage approved…

Buy-to-Let Mortgages FAQs.

What's the minimum deposit for a buy-to-let mortgage in Gerrards Cross?

Most buy-to-let mortgages require a minimum 25% deposit, though better rates are typically available with 35-40% deposits. First-time landlords might need larger deposits, while experienced portfolio landlords sometimes access products with 20% deposits. The exact requirement depends on your circumstances, credit score, and the specific property you're purchasing.

Should I buy investment property through a limited company?

Limited company purchases can offer tax advantages, particularly for higher-rate taxpayers affected by Section 24 mortgage interest relief restrictions. However, limited company mortgages often carry slightly higher rates and fees. The decision depends on your tax position, portfolio size, and long-term investment strategy. We recommend consulting a tax adviser alongside mortgage advice.

What defines a portfolio landlord and what additional requirements apply?

Lenders classify you as a portfolio landlord when you have four or more mortgaged buy-to-let properties. Portfolio landlords face enhanced underwriting, with lenders assessing the entire portfolio's performance, not just the individual property. You'll need to provide detailed information about all properties, including rental income, mortgage details, and running costs.

How do recent tax changes affect buy-to-let mortgage interest relief?

Section 24 restrictions mean individual landlords can no longer deduct mortgage interest from rental income before calculating tax. Instead, they receive a 20% tax credit, significantly impacting higher-rate taxpayers. This change has led many landlords to consider limited company structures or factor increased tax costs into investment calculations.

Can first-time buyers get buy-to-let mortgages?

Yes, first-time buyers can obtain buy-to-let mortgages, though options may be more limited than for existing homeowners. Most lenders require first-time landlords to demonstrate higher personal income (often £35,000+) and may request larger deposits. Some lenders specifically cater to first-time buyer landlords with tailored products.

Local Market Insight For Gerrards Cross

Average property price in Gerrards Cross: £1,180,270
Detached properties sold for an average of £1,621,260
Semi-detached properties averaged £886,000
Flats fetched an average of £596,950
Prices were 2% up on the previous year and 14% below the 2022 peak of £1,366,669

Source: Rightmove Market Trends, Gerrards Cross.

Meet the Hearthstone Mortgages Team.

The Hearthstone Mortgages team is based in Gerrards Cross and supports clients across Buckinghamshire and West Sussex with clear, whole-of-market mortgage advice.