Take your next step on the property ladder with SynergiseUK. We connect you to expert brokers for competitive rates and tailored Let to Buy mortgage solutions.
Specialist Mortgage Brokers You Can Trust
SynergiseUK is not a broker. We introduce you to a panel of carefully selected Specialist Mortgage Brokers who provide all regulated advice. Our brokers search the whole market to find the right Let-to-Buy mortgage for your situation. Some lenders also offer exclusive deals only available via our panel.
What is a Let to Buy Mortgage?
A Let to Buy Mortgage allows you to buy your next residential property while letting out your current home. The rental income from your existing property can be used to help meet the mortgage repayments on your new property.
Key points:
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Purchase a new home while keeping your current property as a rental.
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Rental income from your existing property can support affordability.
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Typical deposits range from 15% to 25%, depending on lender, property type, and your circumstances.
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Use our Mortgage Calculator to estimate repayments and plan your move.
Why Choose SynergiseUK for Let-to-Buy Mortgages?
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Access to Specialist Brokers: All advice and support comes from regulated brokers experienced in Let-to-Buy mortgages.
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Exclusive Deals: Some lenders offer preferential rates only via our broker panel.
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Whole-of-Market Options: Brokers compare multiple lenders to find the best solution for your circumstances.
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Guidance on Deposits and Affordability: Expert advice to structure your application for the best chance of approval.
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Support Throughout the Process: From initial enquiry to mortgage offer, brokers guide you step by step.
Move to Your Next Home With Confidence
SynergiseUK connects you to specialist brokers who will help you secure the right Let to Buy mortgage. Take the first step toward your next home while maximising the value of your current property.
Frequently asked Q&A's
A Let to Buy Mortgage lets you purchase a new residential property while renting out your existing home, using the rental income to support affordability.
Eligibility usually requires:
- Ownership of your current property
- Sufficient projected rental income to cover your new mortgage
- Good credit history
- Deposit available for the new purchase
Deposits typically range from 15% to 25%, depending on lender, property type, and your financial profile. Larger deposits increase approval chances and can improve interest rates.
They can be more complex, as lenders consider both your existing rental income and your financial position for the new property. Specialist brokers can guide you through the process.
Yes, but some lenders may require a stronger deposit or a robust affordability assessment.
Rates vary by lender, deposit size, and property type. Brokers search the market to find competitive rates for your circumstances.
Usually not if you have a strong financial profile, but some lenders may request guarantees depending on circumstances.
Yes. Most lenders allow rental income to be included when assessing your affordability for the new mortgage.
Timescales vary, but broker support usually makes the process smoother and faster than applying directly.
SynergiseUK is an introducer. We connect you to specialist mortgage brokers who provide expert advice, access to whole of market products, and sometimes exclusive deals to help you get the best terms.
A mortgage is a long-term financial commitment and is not suitable for everyone.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Interest rates may be fixed or variable. If you take a variable or tracker mortgage, your repayments could increase if interest rates rise. Changes to your personal circumstances — such as loss of income, illness, or increased living costs — could also affect your ability to meet repayments.
Mortgages often involve additional costs, including arrangement fees, legal fees, valuation fees, early repayment charges, and other lender or adviser fees. Extending the mortgage term may reduce monthly payments but can result in paying more interest overall and remaining in debt for longer.
You should carefully consider affordability now and in the future and seek professional advice before proceeding.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
No. SynergiseUK does not provide mortgage advice or lending decisions.
We act solely as a referral platform, introducing potential customers to authorised mortgage advisers or lenders.
Any advice, affordability assessment, credit checks, and mortgage recommendations will be provided directly by the authorised provider, who is responsible for ensuring the product is suitable for your circumstances and compliant with Financial Conduct Authority regulations.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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