How does let to buy work

and could it be the right option for you?

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Let to buy is a type of mortgage that enables homeowners to rent out their current property and use the rental income to cover the mortgage, while also purchasing a new home to live in. This can be a particularly attractive option for those looking to upsize or relocate, but who are struggling to sell their current home.

The process of let to buy involves obtaining two separate mortgages: one for the existing property, which will become a buy-to-let mortgage, and one for the new property, which will be a standard residential mortgage. The rental income from the existing property will typically need to cover a certain percentage of the monthly mortgage payments in order to be approved for the let to buy mortgage.

Let to buy can offer a number of benefits, including the ability to move into a new home without having to sell the existing property first, and the potential for rental income to cover a significant portion of the mortgage costs. However, it is important to carefully consider the financial implications and responsibilities of becoming a landlord, as well as the costs of maintaining both properties.

At, we understand that navigating the mortgage market can be a daunting task, particularly when considering more complex options such as let to buy. That's why our team of experienced advisors are on hand to provide personalized guidance and support throughout the process, helping you to make informed decisions and secure the best possible mortgage deals.

If you're considering let to buy as an option for your property journey, get in touch with our team today to discuss your options and find out how we can help.

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Gemma May

Operations Director

Gemma May

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