Perfect Square Financial Limited

Let to buy

Get in touch today for a free, no-pressure chat to see how we can support you in finding the right mortgage for your new home.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We specialise in Let to Buy mortgages and can guide you through both transactions—your Let to Buy remortgage and your new residential purchase. We’ll:

  • Handle both mortgages simultaneously to make the process smooth and stress-free

  • Compare a wide range of lenders to find the most competitive deals

  • Offer tailored advice based on your equity, rental income, and long-term goals

Our aim is to make the complex feel simple and to put you in full control of your next move.

How We Can Help

We have years of experience arranging large mortgages for clients with complex income and high-value property needs. We take a bespoke approach to every case, combining our in-depth market knowledge with access to exclusive deals from major and private banks.

From initial consultation to final offer, we tailor the entire process to your circumstances, ensuring the terms work for you—and that you’re confident in the offer before moving forward.

Do I Qualify for a Let to Buy Mortgage?

Eligibility criteria can vary between lenders, but typically you’ll need:

  • Sufficient equity in your current property to remortgage and raise a deposit for your new home

  • Rental income projections that comfortably exceed the Let to Buy mortgage payments

  • Proof that you’re buying another property at the same time

  • A deposit of at least 10–15% for your new residential mortgage

  • To be aged 25 or over

  • A good credit history

We’ll assess your circumstances and make sure everything aligns with the lender’s requirements.

Why Choose a Let to Buy Mortgage?

  • Avoid selling under pressure or at a poor market value

  • Retain your existing property as a long-term investment

  • Break the chain and move forward on your timeline

  • Start your journey as a landlord with the potential for rental income

Let’s Talk About Your Next Move

Whether you’re planning ahead or ready to apply, we’re here to guide you through every step of your Let to Buy journey. Get in touch to explore your options and book a no-obligation consultation today.

Ready to take the next Step?