Let to Buy Mortgages
Purchasing your next home while keeping your current property can be an exciting opportunity — but it comes with its own challenges.
Whether you have experience as a landlord or not, our expert team will guide you through every step. With access to over 90 lenders, With access to over 90 lenders, we’ll help you find the right let to buy mortgage deals for you while taking the stress out of applications and paperwork.
What is a Let to Buy Mortgage?
A let to buy mortgage allows you to purchase your next residential home without selling your current property.
Here’s how it works:
- You transfer your existing property onto a buy to let mortgage and rent it out.
- You secure a new residential mortgage for your next home.
This option is ideal if you want to:
- Move home without selling (reducing timescales)
- Keep your existing home as an investment for future returns
- Generate rental income to support your new mortgage
Note: Let to buy mortgages are not offered by all High Street Banks, but specialist lenders often provide competitive rates, flexible terms, and tailored income assessments.
How We Can Help
- Assess your borrowing capacity – Calculate how much you can borrow for both properties.
- Explain costs clearly – Including lender fees, Stamp Duty Land Tax, legal costs, and other expenses.
- Find the right mortgage deals – Secure the most suitable let to buy mortgage alongside the best residential mortgage rate.
- Handle the process for you – Liaising with solicitors, lenders, and surveyors for a seamless transition.
- Keep it stress-free – With clear updates, expert advice, and guidance at every stage.
First Steps for Let to Buy
Starting your let to buy journey doesn’t have to be complicated. Here are 5 key steps:
Review your current finances and goals
We’ll assess whether transferring your property to a buy to let mortgage is the best option.
Understand your budget
We provide accurate affordability assessments factoring in rental income potential, your income, and outgoings.
Explore your mortgage options
From fixed and tracker rates to interest-only or repayment mortgages, we’ll compare multiple lenders.
Consider rental income and yields
A realistic rental valuation is essential to meet lender requirements and align with expected returns.
Get an Agreement in Principle (AIP)
An AIP strengthens your position with sellers and agents. We can arrange this quickly.
Why Choose 
?
- Expert let to buy mortgage advice across Birmingham and the UK.
- Access to exclusive deals not available everywhere.
- Tailored solutions to complex cases or multiple property ownership.
- End-to-end support from application to completion.
Ready to get started?
Contact UsHome Buying App
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £495.