Buy-to-Let Mortgages Made Simple
Flexible finance for first-time landlords, portfolio investors and limited companies.
Whether you're buying your first rental or expanding an established portfolio, Charleston makes securing a buy-to-let mortgage seamless. We tailor every application to your property strategy and future goals.
- First-time and experienced landlords welcome
- Buy personally or through a limited company (SPV)
- Access to exclusive and specialist lenders
- Support with portfolio refinance and restructuring
- No upfront fees, just expert guidance
Speak to us today +441908972491
Very pleased with your service and the results on my mortgage with Gwyn Jones. I would like to speak to you again regarding another matter I need finance for. A special mention on your professional telephone manner
What is a Buy-to-Let Mortgage?
A buy-to-let mortgage is a loan secured against a property that you intend to rent out rather than live in. These mortgages are assessed differently to residential mortgages and come with specific criteria based on:
- Rental income potential
- Property type
- Deposit amount (usually 20–25%)
- Your experience as a landlord
Charleston specialises in navigating this market, from simple applications to complex portfolios
Who Do We Help?
We work with all types of landlords, whether you're just getting started or managing a diverse portfolio:
➤ First-Time Landlords
Guidance on deposits, affordability, lender choice and more.
➤ Portfolio Landlords
Finance for 4+ properties, debt structuring, and growth strategies.
➤ Limited Companies & SPVs
Tax-efficient property investment structures, personal guarantees, and setup support.
➤ HMOs & Multi-Unit Properties
Specialist finance for higher-yield properties and complex valuations.
➤ Expats & Non-UK Residents
Remote service, international ID support, and lender access for UK property investors living abroad.
Explore Our Buy-To-Let Services
| Subpage | Description |
|---|---|
| Limited Company Buy-to-Let | Learn how to structure your investment through a tax-efficient SPV |
| Portfolio Landlords | Support for landlords with 4+ properties and complex finance needs |
| First-Time Buy-to-Let | Step-by-step help for new landlords entering the market |
| HMO & Multi-Unit | Mortgage options for HMOs and multi-unit freeholds |
| BTL Remortgage | Raise capital, secure better rates, or restructure your portfolio |
| Expat & Non-Resident BTL | Tailored services for UK landlords living overseas |
| Affordability Guide | Learn how lenders assess rental income and stress testing |
