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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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5.00 Rating5 Reviews
Evan
Couldn’t be happier with the service from Jason and Stacey. Very professional and so helpful. Highly recommend this company. Thanks for everything
5 months ago
Richard
Very good service and excellent communication - definitely recommended
1 year ago
Shane
I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
2 years ago
Shane
I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
5 years ago
Imogen
We shopped around trying to find the most suitable deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly...
2 years ago
Imogen
We shopped around trying to find the best deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly and taking...
5 years ago
Jim
Matt and anna made the whole process super easy during the pandemic. as first time buyers we were worried but they made sure we were able to enjoy our first home together. thank you !!
2 years ago
Jim
Matt and anna made the whole process super easy during the pandemic. as first time buyers we were worried but they made sure we were able to enjoy our first home together. thank you !!
5 years ago
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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