Whole-of-market mortgage advice
Let-to-Buy Mortgages in Sleaford & Lincolnshire
Sometimes the best move is to keep your current home, let it out, and buy your next one. Let-to-buy makes that possible, and it means arranging two mortgages that work together. We handle both sides so the whole thing fits together neatly.
5.0★ · 707 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
He provided the best mortgage available, sorted everything for our move, and the whole process was straightforward and stress-free.
Selling is not always the right way to move. If you would rather keep your current home and let it out while you buy your next one, let-to-buy makes that possible. It means arranging two mortgages that work as a pair, and we manage both so the move, the let and the money all line up.
Your home can fund the next one
A let-to-buy remortgage on your existing home can often release equity to use as the deposit on your new place, while the property earns rent. We arrange that side and the onward purchase at the same time, across the whole market, so the timings match.
Two mortgages, one tidy plan
Two mortgages means twice the paperwork and twice the chance of a hold-up if they are not coordinated. We handle both applications, keep both lenders and your solicitor moving, and make sure the residential and buy-to-let sides fit together. Not all buy-to-let mortgages are regulated by the Financial Conduct Authority.
Is this you?
We help let-to-buy movers like…
- Keeping your home and buying another
- Moving in with a partner but holding your place
- Relocating but not ready to sell
- Turning a former home into an investment
- Needing the equity in your home for a deposit
Why a broker
Why let-to-buy movers use a mortgage adviser
Let-to-buy means two mortgages that have to work together, and getting one wrong affects the other. We arrange both sides across the whole market and structure them so the move, the let and the numbers all fit.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help let-to-buy movers, step by step
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Look at the whole picture
We start with both properties, your goals and your numbers, then plan the let-to-buy so the two mortgages line up.
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Free up your deposit
We arrange a let-to-buy remortgage on your current home, often releasing equity to use as the deposit on your new one.
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Sort the onward purchase
We line up the mortgage on your new home at the same time, across the whole market, so timings match.
-
We manage both applications
Two mortgages means twice the paperwork, and we handle all of it, keeping both lenders and your solicitor moving.
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Settled in, with a home let
You move into your new home with your old one let out, and we are here for both deals in future.
Local to you
Advising on let-to-buy mortgages across Sleaford & Lincolnshire
From our Sleaford office on Carre Street we arrange let-to-buy moves across Lincolnshire, from Lincoln and North Hykeham to Grantham and Boston. Not all buy-to-let mortgages are regulated by the Financial Conduct Authority. We can meet in person or work remotely.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Let-to-Buy Mortgages: your questions answered
What is let-to-buy?
You remortgage your current home onto a buy-to-let basis to let it out, often releasing equity for a deposit, and buy a new home to live in. We arrange both at once.
Why not just sell my current home?
Some people want to keep a property as an investment, are not ready to sell, or want to move quickly. Let-to-buy keeps your options open. We help you weigh it up.
Can I use the equity in my home as a deposit?
Often yes. A let-to-buy remortgage can release equity to put toward your new home. We will show you how much is realistic.
Is let-to-buy two mortgages?
Yes, a buy-to-let on your current home and a residential mortgage on the new one. We arrange and coordinate both so they work together.
Are these mortgages regulated?
The residential side is regulated, while the buy-to-let side usually is not. We explain what that means and look after both for you.
Real results
Case studies
How a first-time buyer with no credit history bought in Lincoln
First-time buyer, Lincoln
A young first-time buyer in Lincoln had a strong deposit but a thin credit file, with no loans or cards to show.…
How a joint borrower sole proprietor mortgage helped a Sleaford first-time buyer
First-time buyer, Sleaford
A Sleaford first-time buyer had a 5% deposit and affordable payments, but the income multiplier fell short. A joint borrower sole proprietor…
What clients say
707 verified reviews, rated 5.0
260 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
