Gemstone Mortgages is an FCA-regulated mortgage broker based in Colchester, CO1 1QR, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 155 reviews.
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Meet our experienced team of mortgage professionals
Joanne Lincoln
4 Mar 2026I spoke with Emma @ gemstone mortgages regarding a purchase of a property and she made the mortgage application easy, with no stress at all. She was friendly and very knowledgable of the market. I would strongly recommend them.
Amanda Storie
21 Jan 2026The team at Gemstone are exemplary, professional and support you greatly. Hannah dealt with my query today with ease and in depth knowledge. Totally trust this team, they have a proven track record of successfully supporting me with my mortgage and insurance policies. Highly recommend
Frances McMahon
16 Nov 2025Gemstone Mortgages is an absolutely outstanding business. The process from start to finish is faultless. They are the loveliest team, so quick and so thorough. We have been using Gemstone Mortgages since 2022 and they have never let us down in getting us multiple mortgages / remortgages (including a more complex holiday let mortgage), they removed all the worry and guided us through the entire process. We have had the pleasure of dealing with Hollie, Emma, Gemma and Brooke - absolutely amazing and super responsive. I couldn't recommend this business more - truly outstanding customer service and experience. Thank you SO much!
Emily Allington
4 Nov 2025There’s a reason they’re called Gemstone because they are absolute GEMs! 💎 My husband and I first contacted Gemma back in 2019. We’re 6 years on and I can honestly say we’ve not had to worry about our mortgage since, thanks to Gemma and her wonderful expanded team! Within the 6 years we’ve had two house moves, a remortgage and help with our life insurance/mortgage protection. We’ve been supported by Rebecca, Hollie, Gemma and Hannah and they’ve all been so thorough, responsive and helpful with any queries we've had. We, without hesitation recommend Gemstone Mortgages! 😊
Hannah Smith
28 Sept 2025The moment I walked into Gemstones I felt so welcome. Felt a little apprehensive as I was looking for a mortgage for myself and thought I would never be able to do this on own. Rebecca my mortgage advisor sat me down and explained everything and found the best rate which suited me. The process has been amazing from start to finish, was kept updated throughout the purchase of my property. Would highly recommend Gemstones.
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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