Move Forward Through Letting
Gain Flexibility to Move Home Without Selling Your Existing Property
Purchasing your next home while keeping your current property can be an exciting opportunity – but it can also come with a few extra challenges. At Mortgage Solutions Hub, we specialise in helping homeowners secure let to buy mortgages, making the process simple, smooth, and stress-free. Whether you’re new to being a landlord or already have experience, our friendly team will guide you through every step of your let to buy journey. With access to over 90 lenders, we’ll help you find the best let to buy mortgage rates and manage the entire process – from start to finish.
What is a Let to Buy Mortgage?
A let to buy mortgage allows you to purchase a new residential home while keeping your current property and renting it out. Instead of selling, you switch your existing home onto a buy to let mortgage, generating rental income to help support your new mortgage payments.
This can be a great option if you want to:
- Move home without waiting for your current property to sell.
- Keep your existing home as a long-term investment and benefit from potential capital growth.
- Generate rental income to help cover the cost of your new mortgage.
Not all high street lenders offer let to buy and buy to let mortgages so mortgages from more than one lender can often be the most suitable option. With access to suitable high street and specialist lending options we can still help you achieve competitive rates, flexible terms, and tailored affordability assessments — helping you make the most of your property investment.
How we can help
At Mortgage Solutions Hub, we make the process of securing a let to buy mortgage as straightforward as possible:
- Assess your borrowing capacity
We’ll calculate how much you can borrow for both your new residential purchase and your rental property. - Explain all costs clearly
Including lender fees, Stamp Duty Land Tax (if applicable), legal costs, and other related expenses for both mortgages. - Find the right mortgage deals
We search across our extensive panel of lenders to secure the most suitable and cost-effective let to buy and residential mortgage options. - Manage the process for you
We liaise with lenders, solicitors, and surveyors to ensure a seamless transition from your current home to your new one. - Keep it stress-free
With clear updates, transparent advice, and expert guidance every step of the way.
Your first steps: Renting your current property and buying a new home
Starting your let to buy journey doesn’t have to be complicated. Here’s how to begin:
- Review your finances and goals
We’ll help you assess whether transferring your existing property onto a buy to let mortgage is the best option, based on your financial situation and long-term plans. - Understand your budget
Our advisers provide a detailed let to buy affordability assessment, factoring in your potential rental income, current commitments, and your new mortgage needs. - Explore your mortgage options
We’ll compare a range of fixed-rate, tracker, repayment, and interest-only mortgages, ensuring you get the most suitable combination for both your rental and new residential property. - Consider rental income and yields
A realistic rental valuation is key. Lenders will require evidence that your expected rental income meets their affordability criteria — and we’ll help you prepare for that. - Get an Agreement in Principle (AIP)
An AIP strengthens your position when making an offer on your new home. We can arrange this quickly, giving you confidence when negotiating with sellers and agents.
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.Why choose Mortgage Solutions Hub?
When you work with Mortgage Solutions Hub, you’ll benefit from:
- Expert let to buy mortgage advice in Kidderminster, Worcestershire, Birmingham, and across the UK.
- Access to exclusive mortgage deals not available through all brokers.
- Tailored solutions for complex situations, multiple properties, or investment portfolios.
- End-to-end support from application through to completion, ensuring a seamless and stress-free experience.
Ready to get started?
Whether you’re converting your current residential mortgage to your first buy to let, or expanding your property portfolio, Mortgage Solutions Hub can help.
Contact us today to arrange your Agreement in Principle and take the first step toward securing your let to buy mortgage
