Can I afford two mortgages at once?
We’ll look at your income, outgoings and expected rent to see how lenders are likely to view your situation – and whether Let-to-Buy is a sensible, sustainable option.
Let-to-Buy Mortgage Advice
Let-to-Buy made simple — turn your home into a rental and buy your next property with confidence.
Let-to-Buy lets you keep your current home, rent it out and use the equity to help fund your next place. It can be a powerful way to move home without selling – but it does mean juggling two mortgages, rental stress tests and a few more moving parts than a standard purchase. We’ll guide you through it, step by step.
Let-to-Buy mortgage advice across Broadstairs, Thanet & the wider Kent coast
Thinking about keeping your current home and buying again?
Let-to-Buy can feel like a big leap: two mortgages, one property turning into a rental, another becoming your new home – and a lot of questions about how it all fits together.
We’ll help you understand whether Let-to-Buy is realistic for you, how much you can borrow for the new place, and what needs to happen with your existing mortgage and rental plans. Clear explanations, no pressure – just a calm, structured way forward.
Will the rent on my current home stack up?
Let-to-Buy lenders use rental stress tests to decide how much they’ll lend against your existing property. We’ll run the numbers in advance so you know where you stand.
Do I change my existing mortgage?
We’ll explain how Let-to-Buy works in practice – including whether you need a new product, a full remortgage or a different approach altogether, and what that means for costs and timescales.
How do I fund the deposit on the new place?
We’ll look at how much equity you could release from your current home, what deposit you’ll need for the onward purchase and how that affects both sets of repayments.
Your Let-to-Buy roadmap
Two properties, one move – here’s how we make Let-to-Buy feel manageable, from the first “is this even possible?” conversation through to collecting keys to your new home.
Intro Call
A short, informal chat about your plans: keeping your current home, renting it out and buying somewhere new. We’ll talk through the basics and help you sense-check whether Let-to-Buy is worth exploring.
Information Gathering & Mortgage Options Meeting
We take a deeper look at your current mortgage, property value, potential rent, desired new home, income and wider finances. Before the call you’ll complete a secure fact-find and share key documents so we can work with real figures.
Research & Mortgage Recommendation Call
We research suitable Let-to-Buy lenders and onward mortgage options, checking rental stress tests, equity release, deposit levels and affordability with two mortgages. We’ll then recommend a structure that fits your goals and risk appetite.
Applications & Decision in Principle
Once you’re happy with the plan, we secure Decisions in Principle where needed and submit the Let-to-Buy and onward purchase applications, handling lender questions and paperwork on your behalf.
Lender & Legal Processing
Lenders carry out valuations and final checks while your solicitor deals with the legal side for both properties. We coordinate with everyone involved, keep you updated and help resolve any queries along the way.
Completion & Beyond
Once everything completes, your old home becomes a rental and you move into your new one. We’re on hand for ongoing questions, future remortgages and reviewing your protection and wider plans as things evolve.
Support that continues after the move, not just until completion.
Helpful tools while you’re planning
Prefer to play with the numbers first? These free tools give you a feel for what’s possible before we talk things through properly.
Monthly Mortgage Payment Calculator
See how different loan amounts, terms and interest rates could look each month.
Mortgage Overpayment Calculator
Check how small overpayments could save interest and shorten your mortgage term.
Stamp Duty Calculator
Work out what you might owe on different purchase prices.
Mortgage Jargon Buster
Plain-English explanations of the terms you’ll see in mortgage paperwork.
Learn more about our Intro Calls
Not sure what to expect? These FAQs explain how our intro call works and how we can help.
What is an Intro Call?
If you’re new to us, the intro call is the best place to start. It’s a simple, no-pressure conversation where we’ll talk through your situation, what you’re hoping to achieve, and any questions you might have. From there, we’ll guide you on the best way forward.
It’s completely up to you how the meeting takes place. Whether that’s over the phone, on a Teams call, or face-to-face in our office, just select your preference when booking.
No, there’s absolutely no cost for the intro call. We believe in offering support and guidance upfront, so you can ask all the questions you need—completely obligation-free.
Our intro call typically lasts around 30 minutes, giving us enough time to understand your situation, explain the process, and answer your initial questions.
After the call, we’ll email you with a summary of what we discussed, along with any next steps. There’s no obligation to proceed, but if you’re ready, we’ll guide you through the process from start to finish.
Of course! Life happens. You’ll find a reschedule button in your confirmation email, so you can choose a new time that works better for you.
Meet the team who’ll handle your Let-to-Buy mortgage
You’ll always know who you’re dealing with. Your Let-to-Buy advice will be handled by James or Rob, with Lucy and Chrissie keeping everything on track behind the scenes.
James Brown – DipFA CeMAP CeRER
Director & Financial Adviser
Financial & Mortgage Advice
James helps you see how Let-to-Buy fits into your bigger financial picture – from today’s move to future plans around pensions, investments and property over the long term.
Robert Brown – CeMAP ACA
Director & Mortgage & Protection Adviser
Mortgages & Protection
Rob is calm, clear and detail-focused. He’ll help you work through the twin mortgage structure, rental stress tests and product options – and ensure your protection remains fit for purpose.
Lucy Baron
Office Manager
Case Management
Lucy keeps your Let-to-Buy and onward purchase applications moving – coordinating paperwork, chasing updates and making sure you always know what’s happening next.
Chrissie Swain
Admin & Marketing
Client Comms & Resources
Chrissie looks after the guides, updates and communication that make the process feel organised and clear – so you’re not left wondering what’s going on with either property.
What our clients say about us
We’re proud to have helped first-time buyers, home movers, remortgagers, landlords and Let-to-Buy clients across Broadstairs, Thanet and beyond. Here’s what some of them had to say:
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.
Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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