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Buy-to-Let Mortgages

Tailored funding strategies for property investors across Ireland — whether you are purchasing your first investment property or scaling an established portfolio.

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Buy-to-let mortgages for residential investment property

Build & grow your property portfolio

We help you maximise returns and grow your assets with confidence through tailored buy-to-let funding strategies.

  • Purchase or refinance residential property intended for rental
  • Lending based primarily on rental income potential
  • Suitable for individual and company (SPV) ownership structures

What is a Buy-to-Let Mortgage?

  • A loan used to purchase or refinance a residential property for rental purposes
  • Lending decisions primarily based on the rental income potential of the property
  • Different criteria to standard residential mortgages
  • Available for individual and limited company purchases

How we support your investment journey

A comprehensive brokerage and advisory service, ensuring you secure the right funding for your investment strategy.

Investment & funding strategy

Assess your investment goals and borrowing capacity. Advise on optimal structures including individual vs company ownership (SPV). Review rental yields, stress testing, and lender criteria.

Access to the right lenders

We work with Irish banks and buy-to-let lenders, specialist investment lenders, and non-bank and alternative funding providers — sourcing competitive rates and flexible terms, including for portfolio landlords and complex cases.

Application & approval support

Prepare a strong, lender-ready application. Present income, rental projections, and property details effectively. Manage the process from approval through to drawdown.

Portfolio growth & ongoing support

Assist with refinancing existing properties. Support portfolio expansion and leverage strategies. Advise on releasing equity for future investments.

Typical buy-to-let mortgage features

Loan-to-Value (LTV)

Typically up to 70-75%

Rental Coverage

Usually 120-140% of mortgage repayments (stress tested)

Term

Up to 25-30 years (age limits apply)

Interest

Variable or fixed rate options available

Repayment

Interest-only or capital & interest

Ownership

Individual or limited company (SPV) structures supported

Who we work with

  • First-time landlords entering the market
  • Experienced investors growing multi-property portfolios
  • High-net-worth individuals and professionals
  • Clients purchasing through limited companies (SPVs)

Why choose KeyStone

  • Access to leading Irish and specialist buy-to-let lenders
  • Deep understanding of investment property market in Ireland
  • Tailored funding strategies aligned to your investment goals
  • Efficient, responsive, and deal-focused service
  • End-to-end support from purchase to portfolio growth

Our process

01

Initial consultation

Understand your investment goals and financial position.

02

Funding strategy

Structure the most suitable mortgage solution.

03

Application & approval

Prepare and submit a strong application.

04

Loan offer & legal

Coordinate valuation, underwriting, and legal process.

05

Drawdown & growth

Complete purchase and plan future investments.

Ready to grow your portfolio?

Whether you are starting your investment journey or scaling your portfolio, we are here to support you.

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