Buy-to-Let Mortgages in Greenwich

🏢 Investing in Rental Property Across SE10

Greenwich continues to be one of London’s most popular areas for buy-to-let investors — with strong tenant demand, excellent transport links, and ongoing regeneration in areas like Woolwich, Charlton and Kidbrooke. Whether you’re expanding your portfolio or buying your first investment property, securing the right mortgage is key.

We support landlords across SE10 with tailored buy-to-let mortgage solutions, including personal ownership and limited company (SPV) options.

🏡 What Is a Buy-to-Let Mortgage?

A buy-to-let mortgage is designed specifically for properties that will be rented out to tenants. Unlike residential mortgages, lending is usually based on the rental income the property can generate rather than just your personal income.

Lenders assess the projected rental yield to ensure it covers the mortgage repayments, typically at a higher “stress rate” than the actual interest you’ll pay.

💷 Deposit Requirements & Affordability

Most buy-to-let lenders require a minimum deposit of 20–25%, although some will consider 15% for strong applicants. The rental income must usually cover between 125% and 145% of the monthly mortgage payments, depending on whether you’re a basic-rate or higher-rate taxpayer.

Affordability is also stress-tested — often at an interest rate of around 5.5%+ — even if you’re securing a fixed-rate product at a lower rate.

🏢 Buying Through a Limited Company

Many investors in Greenwich now purchase buy-to-let properties through a limited company (Special Purpose Vehicle – SPV). This can offer potential tax advantages, particularly for higher-rate taxpayers, as mortgage interest is fully deductible as a business expense.

We help you understand the pros and cons of buying via a company vs. personal name, and guide you through what lenders will require in each case. Mortgage rates, fees, and stress-testing differ between the two paths — but both are viable depending on your investment goals.

🏘️ Popular Buy-to-Let Areas in SE10

• Greenwich town centre – Strong appeal to professionals and students alike
• Woolwich – Excellent transport and rental demand via Elizabeth Line
• Kidbrooke – Growing popularity due to Kidbrooke Village and regeneration
• Charlton – Close to retail hubs and A2 links
• Maze Hill – Popular with renters working in Canary Wharf

📊 Rental Yield & Return on Investment

Rental yields in SE10 vary by postcode and property type. A typical 1–2 bed flat in Woolwich or Greenwich may achieve yields of 4–6%, with higher returns possible in HMOs or multi-let properties.

We help you understand what lenders look for in terms of rental coverage and how to balance yield vs. long-term capital growth — particularly in areas benefiting from regeneration and Crossrail expansion.

🧾 Other Considerations for Landlords

✅ Energy Efficiency

Most buy-to-let properties must have a minimum EPC rating of E or above. New proposals may tighten this requirement in future. We’ll help you understand how this affects your lending options.

✅ Tenancy Structure

Most lenders prefer properties let on a standard Assured Shorthold Tenancy (AST). If you’re letting to students, multiple tenants (HMO), or via short-lets, different products and criteria apply.

✅ Landlord Experience

Some lenders favour experienced landlords, while others offer products for first-time investors. We’ll help position your application accordingly.

🛠️ What We Help With

• 🏠 Compare buy-to-let mortgage rates across major lenders and specialist providers
• 📈 Assess rental coverage and affordability for your target property
• 📁 Support with company structure (Ltd Co vs personal ownership)
• 🧾 Guide you through documentation, applications and property suitability checks
• 🌍 Offer local insight on demand, yields, and lender appetite in the Greenwich area

❓ Buy-to-Let Mortgage FAQs

💰 What deposit do I need for a buy-to-let mortgage?

Typically 25%, though some lenders may accept 20% or even 15% for certain borrowers. Rates tend to improve as deposit size increases.

🏢 Can I use a limited company to buy property?

Yes. A Special Purpose Vehicle (SPV) company can be used to buy and hold rental properties. This may be tax-efficient for some investors.

📊 How much rental income do I need to qualify?

Lenders usually require rent to cover 125%–145% of the mortgage, stress-tested at around 5.5% interest — depending on your tax status.

📞 Let’s Talk Buy-to-Let in Greenwich

If you’re planning to invest in property across Greenwich, Woolwich, Charlton or Kidbrooke, we’re here to help you navigate the mortgage options with clarity and confidence.

📩 Get in Touch Today