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.

Book Intro Call Book Mortgage Strategy Call
Not sure which call you need? See the difference between Intro & Strategy Calls
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.

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.

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.

Step 1 (optional)

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.

Perfect if you’re still at the “is this even doable?” stage.
Step 2

Strategy Call & Information Gathering

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 fact-find and share key documents so we can work with real figures.

Step 3

Research & Recommendation

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.

Step 4

Applications & Decisions 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.

Step 5

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.

Step 6

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.

Intro Call vs Strategy Call – What’s the Difference?

Not sure which appointment to choose? These FAQs explain how each call works and what to expect.

Which call is right for me?

In short: if you’re just starting out and want a friendly chat about your options, an Intro Call is perfect. If you’re ready to look at detailed numbers and specific recommendations, a Strategy Call is the better fit.

  • Intro Call: informal, around 15 minutes, ideal for early questions and next steps.
  • Strategy Call: detailed, up to 60 minutes, includes research, figures and tailored advice.

If you’re unsure, don’t worry – book whatever feels closest, and we’ll make sure the conversation focuses on what matters most to you.

The Intro Call is a short, informal chat designed for those who want to explore their options before diving into the full mortgage process. It’s a great way to ask initial questions, understand how we can help, and decide on the best next steps.

The Strategy Call is a more in-depth conversation where we take a closer look at your mortgage goals, financial situation and eligibility. This call helps us outline potential options tailored to you, including indicative affordability and monthly payments.

If you're unsure which to choose, start with the Intro Call – we can always book a Strategy Call when you're ready for more detail.
Intro Calls take place either over the phone or via Microsoft Teams.

Strategy Calls are typically held via Microsoft Teams, but if you’d prefer to meet in person at our Broadstairs office, just reply to your confirmation email to let your adviser know.
No, there’s absolutely no cost for any of the mortgage calls. We believe in offering support and guidance upfront, so you can ask all the questions you need – completely obligation-free.
That’s completely fine. If you’re unsure, just pick the one that feels closest to your situation. During the call we’ll focus on the goals that matter most to you – and if you’d benefit from a more detailed Strategy Call afterwards, we can arrange that together.
The Intro Call is a quick, informal chat usually lasting around 15 minutes.

The Strategy Call is more detailed and typically lasts around 45–60 minutes, although we block out 90 minutes to ensure we have plenty of time to explore your situation, assess your options and answer all of your 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 mortgage 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.
It’s not essential, but providing documents such as proof of income, your credit report and recent bank statements before a Strategy Call can be really helpful. It gives your adviser a chance to review your information and identify any potential hurdles ahead of time, so you can get the most out of the session.

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, Director and Financial Adviser at Need Financial Planning
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, Director and Mortgage & Protection Adviser at Need Financial Planning
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 at Need Financial Planning
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 at Need Financial Planning
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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