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Your home may be repossessed if you do not keep up repayments on your mortgage.

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Are you struggling to sell your current home, or has your home dropped in value and you want to wait for it to rise again before you sell, but you still want to move out? Then a Let to Buy mortgage could be the answer you are looking for. Let to Buy mortgages allow you to move out your current home and into a new one, without the need to sell.

What does a Let to Buy mortgage involve?

To get a Let-to-Buy mortgage, you need to have enough equity in your property so that you can remortgage. By remortgaging, you can release cash from your current property which will act as the deposit for your new home. You would then let out your existing property and use the rental income you make to cover the cost of the mortgage. This allows you to take out a mortgage for your new home. The mortgage payments for your new home can be covered by your salary or other source of income.

What type of mortgage can I have?

When remortgaging your current property, you will need a Let to Buy mortgage. They are similar to residential loans but there are some differences. Our advisors, here at Mortgage Key, will be happy to talk to you about any queries that you may have.
Generally, you will find that let-to-buy mortgage rates tend to be a little more expensive than residential loans and you will have to put down a larger deposit, which is usually 25%. You will be asked by the lender to prove that your rental income will comfortably cover your mortgage repayments.
Call us today and speak to our industry experts who will give you honest, friendly advice. Our team will help you to discover if a let to buy mortgage is the right option for you. We will carry out a full comparison across the market to help you find a let-to-buy mortgage that suits your needs.