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A let to buy mortgage in Essex allows you to rent out your current home while purchasing a new one to live in.
This option is ideal if you want to move without selling, as the rental income from your existing property can help with affordability.
Lenders assess both mortgages together, ensuring you can manage both properties financially
Our mortgage advisors in Essex can explore your options and guide you through the process.
To secure a let to buy mortgage in Essex, you’ll need to remortgage your current home onto a buy to let deal while applying for a new residential mortgage.
Lenders will look at factors like your rental income, financial situation, and credit history.
Working with a mortgage broker in Essex like us can make the process easier, as we’ll find lenders who suit your circumstances and handle the paperwork for you.
Most lenders require at least a 25% deposit for the buy to let mortgage on your existing home.
For your new residential mortgage, deposit requirements will depend on the lender, but options start from 5-10% if you meet affordability criteria.
Getting mortgage advice in Essex can help you understand your options and work out what’s needed for both mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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196 5 Star Reviews
Alex Campbell
Amazing help from these guys, we are first time buyers and Warren was our dedicated Morgate advisor and he made the whole process seem easy and straightforward, he went above and beyond to help me and my partner and explained it all in great detail, best of all he was very down to earth and gave it to us strait. Would 100% recommend
15 Jul 2026
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Our mortgage advisors in Essex will assess your situation and explain your options.
We’ll check your affordability for both the buy to let and residential mortgages.
We’ll help you switch your current mortgage to a buy to let deal.
Lenders will assess your rental potential to ensure the property can generate enough income.
Once your let to buy mortgage is in place, we’ll find a suitable residential mortgage for your new home.
This runs alongside your buy to let deal to ensure everything progresses smoothly.
Once both mortgages are approved, you can complete the process and move into your new home.
Your solicitor will handle the final steps, and you’ll start receiving rental income from your old property.
Our mortgage advisors in Essex have helped many homeowners secure let to buy mortgages.
We understand the process inside out and will guide you through each step, making everything as straightforward as possible.
Every homeowner’s situation is different, which is why we take the time to find the right mortgage deals for you.
Whether you need to release equity or find a lender with flexible criteria, we’ll explore all available options.
Managing two mortgages at once can seem complicated, but we’ll handle the paperwork and liaise with lenders for you.
We’ll keep you updated throughout, so you always know what’s happening.
Our help doesn’t end once your mortgage is approved.
We’re always here for you, whether you need advice in the future or want to review your mortgage options later down the line.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Essexmoneyman 2009–2026
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Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Essexmoneyman 2009–2026
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