Let to Buy Mortgages

Thinking of moving home but don’t want to sell your current property? A let to buy mortgage could be the perfect solution. At Empire Mortgages in Dunfermline, our expert advisers help you switch your existing mortgage so you can rent out your current home while purchasing a new property.

Understanding Let to Buy Mortgages

A let to buy mortgage is designed for homeowners who want to move into a new property but keep their existing one as a rental investment. Instead of selling, you convert your current residential mortgage into a let to buy agreement, allowing tenants to move in while you buy your next home with a new residential mortgage.

This type of mortgage is particularly useful if:

You want to move but the market is slow for selling.
You’d like to hold onto your current home as an investment.
You want the flexibility of returning to your old property later

Unlike buy to let mortgages, let to buy involves arranging two mortgages at the same time – one for your old home (as a rental) and one for your new residence.

Expert Advice on Let to Buy Mortgages

At Empire Mortgages, we make the complex simple. Our advisers have over 60 years of combined experience helping homeowners and landlords across Dunfermline and beyond. Here’s why clients choose us:

Whole-of-market access to let to buy lenders.
Step-by-step guidance through the remortgage and new mortgage process.
Clear, friendly, and professional advice.
Flexible appointments – in person, over the phone, or via video.

We’ll take the time to understand your circumstances and find the right deal that supports both your move and your investment goals.

Why Consider a Let to Buy Mortgage?

Let to buy mortgages aren’t for everyone, but they can be the right choice if you want more flexibility in your property journey.

Some of the key benefits include:

Move without selling – purchase your next home while keeping your current one.

Rental income – generate income from your old property to help cover the mortgage.

Flexibility – the option to move back into your old home in future.

Market timing – avoid selling at a low point in the housing market.

With the right mortgage advice, a let to buy arrangement can be a powerful way to step up the property ladder while building your investment portfolio.

How the Let to Buy Process Works

At Empire Mortgages, we keep things straightforward:

Initial Review – we assess your current mortgage and financial position.
Switch to Let to Buy – your existing mortgage is converted into a let to buy product.
Arrange New Mortgage – we secure a new residential mortgage for your next home.
Smooth Move – you move into your new property while tenants move into your old one.

Start the process today – book your free consultation with Empire Mortgages.

Let to Buy Mortgages in Dunfermline & Across Fife

As independent mortgage brokers based in Dunfermline, we have in-depth knowledge of the local property market. Whether you’re moving within Dunfermline, relocating across Fife, or further afield, our team provides tailored let to buy advice to help you achieve your goals.

Ready to Explore Let to Buy Mortgages?

Whether you’re moving to a bigger home, relocating for work, or simply want to hold onto your current property as an investment, a let to buy mortgage could be the answer.

At Empire Mortgages, we’ll guide you every step of the way with expert, whole-of-market advice.

Book Your Free Let to Buy Consultation with Empire Mortgages Today

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 Trustindex verifies that the original source of the review is Google. One year in my new home, and I couldn’t be happier with how smoothly the whole journey went. Thanks to Empire Mortgages Ltd and a special mention to Nathan Hunter for making the mortgage process completely stress-free. I genuinely had to do very little other than trust Nathan and leave everything in his capable hands.

Buying a home can be overwhelming, but having the right person guiding you makes all the difference. A year on, with no issues whatsoever, I can truly say when you choose the right people, you’re sorted for life. Hassle-free, stress-free and highly recommended!
  
 
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 Trustindex verifies that the original source of the review is Google. I can highly recommend both Empire Mortgages Ltd and Nathan Hunter...Nathan made the process really easy and straight-forward, talked through all the options and made some recommendations based on what I needed. He kept me updated on progress even when I was away on holiday. I wont be using anyone else for mortgages now!
  
 
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Let to Buy Mortgage FAQs

What is the difference between a let to buy and a buy to let mortgage?

A buy to let mortgage is for purchasing a property specifically to rent out. A let to buy mortgage allows you to convert your existing home into a rental while buying a new one to live in.

Can I get a let to buy mortgage as a first-time landlord?

Yes. Many lenders accept first-time landlords for let to buy, though criteria such as deposit and rental income requirements apply.

How much deposit do I need for the new property?

Typically, you’ll need at least a 10–15% deposit for your new residential mortgage.

Do I need to meet rental income requirements?

Yes – lenders usually expect rental income from your old property to cover 125–145% of the mortgage repayments.

Are let to buy mortgages available to limited companies?

They are generally aimed at individuals, but we can advise on whether incorporating is the right route for your situation.

Refer a Friend Scheme

Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.