- Europa House, Marsham Way Gerrards Cross, SL9 8BQ
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- Call us on 01753 463391
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.
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Call 01753 463391 or just pop in your details below and one of our expert mortgage advisers will personally reach out to help you take the first step.
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.
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.
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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.
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.
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.
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.
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.
Meet the experts behind our success. Each adviser at Hearthstone Mortgages holds CeMAP or higher-level certifications, real property experience, and deep knowledge of specialist lending. This includes buy-to-let portfolios, bridging finance, equity release, and commercial lending.
CeMAP
Founder and Managing Director
Ajay is the Managing Director of The Hearthstone Group, who excelled in the mortgage advisory space leading him to founding Hearthstone Mortgages in 2019. In addition to being at the top of the game in the UK advising on mortgages, bridging loans, protection and more, Ajay has built his own property portfolio across the UK. He has spoken on numerous panels throughout his career to fellow investors and mortgage lenders, and is a highly valued spokesperson for one of the most active property networks around.
Ajay’s fuel for helping as many people as possible drives him to continue growing the Hearthstone brand making sure that the knowledge he and his team share with clients is invaluable, creating possibilities that seem unattainable.
When he’s not securing property dreams for himself and mortgage clients, Ajay can be found hanging around the film studios as an actor and multiple award winning producer with over 20 projects to his name.
CeMAP, CeRER, PhD
Office Manager and Senior Adviser
Jordanne is an award-winning and highly experienced Senior Adviser across mortgages, equity release, commercial property, bridging, development finance, protection and will writing. Jordanne oversees the day-to-day operations at Hearthstone Mortgages; her drive to help her clients achieve their dreams is unmatched and her constant praise and reviews speak for themselves.
Additionally, Jordanne is a tennis 4x Paralympic medalist and 13x Grand Slam champion, having competed at the highest levels, prior to bringing her quite literally Olympic level ambition to Hearthstone.
CeMAP
Specialist Mortgage & Development Finance Adviser
Jamie brings a unique edge to Hearthstone Mortgages, combining a deep understanding of property finance, construction, and investment strategy. Before joining the industry, Jamie spent several years working hands-on in the construction sector — giving him a practical, ground-level insight into how property really works.
As a buy-to-let investor and adviser, Jamie specialises in helping landlords, developers, and portfolio clients across the South Coast and South East secure finance for everything from single-unit lets to multi-million-pound development schemes.
Jamie’s advice is always direct, strategic, and rooted in real-world experience. Whether you’re navigating complex lending criteria or looking to scale your portfolio, Jamie works to cut through the noise and deliver results, not jargon.
He primarily supports clients in Chichester, Bognor, Portsmouth, Southampton, Brighton, Hove, Eastbourne, and across the GU, RH, KT postcodes in Surrey, as well as Bournemouth.
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