Buy to Let Mortgages in Greenwich
Yields clear most stress tests, so the work is in product selection. Whole-of-market buy to let advice for Greenwich landlords — personal name, limited company, portfolio and HMO lending.
4.5%
Average gross yield
£430k
Typical entry price
90+
Lenders compared
What type of mortgage do you need?
Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.
"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."
— Roger Cooper, Senior Mortgage Adviser
What actually decides a Greenwich buy to let application
Rental cover is rarely the obstacle at these yields. The value is in the details — lender appetite for the property type, HMO and multi-unit treatment, and portfolio rules once you hold four or more mortgaged properties.
How we approach it
- →Portfolio landlord criteria, which tighten considerably at four or more properties
- →HMO and multi-unit freehold block lending, where rates and criteria differ sharply
- →Limited company borrowing, which most landlords buying for income now use
- →Lenders comfortable with ex-local-authority and non-standard construction stock
Greenwich's housing market in 2026
The average property in Greenwich sold for £489,393 over the past year, up 2% on the year before and just 1% below the borough's 2022 peak of £494,981. Flats accounted for most sales at £404,977 on average, while terraced houses near Maze Hill and Charlton averaged £546,236 and semi-detached homes reached £558,861.
Greenwich's relatively narrow gap between flat and house prices means the jump in mortgage size, and the life cover needed to match it, when moving from a flat to a house here is smaller than in many other London boroughs, which can make upsizing more affordable than buyers expect.
Source: Source: HM Land Registry price-paid data, via Rightmove House Prices, period to 27 February 2026 (last updated 9 April 2026).
Landlord areas we cover in Greenwich
What our clients say
Excellent service from start to finish! Roger was knowledgeable, patient, and always available to answer my questions. He made the mortgage process smooth and stress-free — I highly recommend!
Excellent service all round. My property is not a straightforward one when it comes to having a mortgage, but Roger goes above and beyond, supporting me all the way and removing the stress.
Outstanding service, always looking for the best product for you, always there to guide you through the process. Would thoroughly recommend Mortgage International, and Roger's diligence ensures a smooth transaction.
Buy to let in Greenwich: common questions
What rental yield can I expect in Greenwich?
Average gross yield across Greenwich is around 4.5%, with entry prices from about £430k. Yields vary meaningfully within the borough — Greenwich Town and Maze Hill will not price the same way. Gross yield ignores voids, management, maintenance and finance costs, so treat it as a starting comparison rather than a return.
How much deposit do I need for a buy to let in Greenwich?
Most buy to let lenders want at least 25%. On Greenwich's £430k entry price that is roughly £107,500, plus stamp duty at the higher additional-property rates and purchase costs. Some lenders go to 80% loan-to-value, though rates are higher and the rental cover test becomes harder to satisfy.
Should I buy through a limited company in Greenwich?
It depends on your tax position rather than the borough. Higher-rate taxpayers often find a limited company more efficient, because mortgage interest is a deductible business expense rather than attracting the restricted relief that applies to personally-held property. Company products usually carry higher rates and fees, so the comparison has to be run on your actual numbers. We are not tax advisers — we will model the mortgage side and recommend you take accountancy advice on the rest.
Will the rent cover the mortgage in Greenwich?
Rental cover is rarely the obstacle at these yields. The value is in the details — lender appetite for the property type, HMO and multi-unit treatment, and portfolio rules once you hold four or more mortgaged properties.
Buy to let advice for Greenwich landlords
Whole of market, FCA regulated, no upfront fees. We will tell you honestly whether the numbers work before you commit to anything.
Get a free initial consultation →Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy to let mortgages are not regulated by the Financial Conduct Authority. The figures on this page are local averages shown for comparison and are not a quotation, projection or recommendation.