Let to Buy Mortgages

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Let to Buy Mortgages

When you own a property and want to move you may be reluctant to sell as you feel the property could be a good long term investment – so would it be possible to let the property out and still buy a new main residence? – Here we discuss this in detail.

What is a Let To Buy Mortgage?

A Let-to-buy mortgage is a mortgage product that allows you to rent out your property to purchase another, for you to live in, this involves, potentially having two mortgages at the same time. You may change your existing mortgage to a Let-to-buy mortgage, so you can let out your current home, and take out a residential mortgage on the new home you are looking to buy.

Why should I get a Let to Buy Mortgage?

If you are thinking about considering a let-to-buy mortgage, one common reason could be that you want to use the equity you have built up in your home as a deposit, this will enable you to move to a new home, whilst also keeping your current home as a long-term investment for you and your family and provide additional income.

Let-to-buy mortgage could also be more suitable for homeowners because you may be in a hurry to move to a new home and cant wait to sell your current property, or you may have struggled to sell due to the current situation with the property market. You may want to purchase a property with a new partner, but keep on your current home, you may have decided to move away to another area, as you have re – located for your employment, but have the option of moving back to your home in the future.

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Let to Buy Mortgages FAQ's

What is a Let to Buy Mortgage?
This is where you let out your existing home and in turn buy a new property for you to live in. This can be achieved by changing your existing mortgage to a let to buy mortgage and then you arrange a standard residential mortgage for your new purchase.
How to change your Mortgage to a Buy to Let?
You can approach your existing lender as ask for consent to let out the property alternatively you could remortgage the property. Whilst remortgaging the property you could capital raise a deposit for your new home.
Can I live in my Let to Buy Property?
No - Your lender would have given you the mortgage on the basis that you are renting it out, so if your circumstances change and you wish to move back in, you will need to discuss this with your lender and more than likely remortgage the property back to a residential mortgage.
Let to Buy Mortgages
The Money Hub

Product Name: Mortgages

Product Description: Let to Buy Mortgages

  • Rating


Gary has been brilliant throughout the whole process. Very knowledgeable, helpful and efficient. The service provided as a whole, has been excellent, 10/10.