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.
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:
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.
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:
We’ll take the time to understand your circumstances and find the right deal that supports both your move and your investment goals.
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:
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.
At Empire Mortgages, we keep things straightforward:
Start the process today – book your free consultation with Empire Mortgages.
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.
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
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.
Yes. Many lenders accept first-time landlords for let to buy, though criteria such as deposit and rental income requirements apply.
Typically, you’ll need at least a 10–15% deposit for your new residential mortgage.
Yes – lenders usually expect rental income from your old property to cover 125–145% of the mortgage repayments.
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.
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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
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Registered office address: Unit 9, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
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