Let To Buy

Let to Buy Mortgages: Move Without Losing Your Investment

A home is more than a living space; it’s where we make memories and share love. So, when you love your current home, but still need to move to something new — may be to accommodate a growing family or change your lifestyle — selling shouldn’t be an option.

This is where let to buy mortgage​ comes into the picture. Why sell your current property when you can take advantage of it? Let-to-buy arrangement is a tailored funding solution that lets you rent it out, release any tied-up equity and take out a new residential mortgage to buy a new home.

So, the lenders can:

• Buy a new residential property to live in

• Let the existing home out to tenants through a buy-to-let mortgage

A Let-to-Buy mortgage is different from typical home loans because the property you keep becomes an investment property, not your main residence. And since you have already paid Stamp Duty on your current home, you’re not liable to pay the same for second homes. 

Why Consider Let to Buy?

Let-to-Buy mortgages are ideal for many people who are planning to buy homes, especially when you:

• Want to Move Without Selling – When you love your current home and don’t want to put it on sale, let-to-Buy lets you keep your home as an investment.

• Are Upsizing or Downsizing – Your situations or living requirements may change over time. Maybe you need more space — or perhaps less. Let-to-Buy can help you buy a new home suited to your needs.

• Need a Rental Income Stream – By choosing to let your property, you are actually making a way to passive rental income. When the rent is higher than the mortgage payments, you could create a positive cash flow.

• Want to Build a Property Portfolio – When you don’t sell your first home and proceed to buy another, you are building a rental property portfolio, which can be a good step in entering the market.

Ready to explore let to buy mortgage​ options in the UK? AWS Private Finance is here to help.

Our team specialises in supporting home buyers and lenders with exclusive mortgage solutions for smart savings.

Contact us today to discuss your Let-to-Buy options.