Let-to-Buy Mortgages UK

Want to buy a new property but keep your current home?
A let-to-buy mortgage could be the way forward

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379 reviews

Your home or property may be repossessed if you do not keep up with your mortgage repayments.

Applying for two mortgages is not without its challenges. When it comes to let to buy mortgages, it’s essential to get good advice from the start

Perhaps you’ve found your dream property but have been unable to sell your home. A let to buy mortgage could be the ideal option for getting your new property purchase over the line and at the same time avoiding long chains and estate agent fees.

At Oportfolio, we ensure the whole process runs smoothly, so your let to buy and residential mortgage complete on the same day and you get to make your all-important move.

Let-To-Buy Mortgage
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Max
October 3, 2026
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We’ve used Oportfolio multiple times now and wouldn’t go anywhere else. They always provide excellent advice and are very proactive.
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Kelvin McMillan
October 2, 2026
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Very happy with the help and service I received getting our remortgage. Thank you!
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Sophie Breakwell
September 25, 2026
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Oliver, She-rel, Steve and the team are truly excellent. They have turned around my application, which was not straightforward due to being self-employed, quickly and efficiently. I could not be happier.
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Dimitrios Xenopoulos
September 17, 2026
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I had a very positive experience with Oportfolio throughout my first home purchase. From the beginning, the team was extremely responsive and supportive, and they took the time to explain the different options clearly, helping me identify the services and providers that were most appropriate at each stage. What particularly stood out was how quickly they managed to secure my mortgage. The speed at which this was arranged played a really important role in allowing my purchase to progress smoothly, particularly when timing became important towards the end of the process. I would especially like to thank Jade, who was fantastic throughout. She was always available when I needed guidance, responded promptly to my questions and made what could otherwise have been a complicated process feel much more straightforward. Overall, I felt very well supported from start to finish and would have no hesitation recommending Oportfolio to other first-time buyers.
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JA U
September 15, 2026
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Oliver and the team can’t do enough to help. They are on hand and responsive at all hours of the day and nothing is too much trouble. A 5 star service from a 5 star team!
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Irene Zanni
September 15, 2026
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Jade and the whole team at Oportfolio have been the easiest and most supportive part of buying our first property. It was incredibly reassuring to find people we could trust while navigating such a new and complicated process. They took the time to understand our circumstances, advised us at every stage and patiently answered all our questions. They were also incredibly quick in securing our mortgage offer and found us the best product for our needs. We’re so excited to complete and move into our forever home next week.. we couldn’t recommend them more!
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Stuart Matthews
September 9, 2026
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Faultless from beginning to end. Oli and his team are absolutely on it. Pro-active, communicative and just downright nice to boot. I could not recommend them more highly. I’ll be using them for any mortgage and remortgage needs from now on and recommending them to all of my friends.
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Sarah Meyer
September 3, 2026
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Great experience working with Oliver, Pharell and the team at Oportfolio! As a first time buyer they were both helpful in explianing their part of the process and quick to answer my questions or concerns
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Roger Andrews
September 1, 2026
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I was very impressed with the thoroughness of the service I received from Oportfolio. They examined all the various options open to me at my age and recommended a solution which was a perfect fit. I would recommend them to anyone who has a requirement for a non standard mortgage . Roger Andrews
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Colin Galbraith
August 28, 2026
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Third time I've been through the mortgage process and it gets easier every time. Remmea Moohan provides an excellent service - always on the ball, always into the details, and always lays out the info in plain English with the right level of detail and options laid out to enable solid decision to be made. Thanks Remmea and the team at Oportfolio for making what is a complicated process so much easier for making it all so slick from start to finish. If anyone is looking for a brand new mortgage, or options to renew, you can't really do better that Remmea! Thanks!
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Lotte Jackson
August 28, 2026
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Everyone at O’Portfolio was making! Remi and Pharrell were especially wonderful - they explained everything so well to us and really took the time! We felt incredibly looked after and our dealings with them were the only stress free part of the house buying! Thank you guys!
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sarah Thomson
August 26, 2026
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We had a great experience with Oportfolio. Pharell and Remmea were wonderful and really helped us in the process of buying our first home. Their communication was excellent throughout and secured us a great mortgage and life insurance. Highly recommend!
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Nikki Cairns
August 25, 2026
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Amazing customer service as always by Remmea O’Brien, nothing is ever a problem for her, she goes above and beyond to help out every time I contact her and she always makes sure we have the best products and prices available to us. We have been in contact with Remmea for several years now and wouldn’t go anywhere else. Highly recommended 💯
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Christina laird
August 25, 2026
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Reamma was very efficient getting a new mortgage for us. She prompted us when required and made the process run very smoothly. I hope to use her again when we require our next mortgage
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Antonia Tarnoy
August 25, 2026
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I had an exceptionally difficult time getting my purchase to complete, due to the persistent incompetence of the lender's solicitors and mistakes made on the seller's side. She-rel at Oportfolio worked her socks off to get the transaction over the line and was absolutely relentless. She was endlessly positive when I was in despair. I have no doubt that without her we would not have got to completion, that I would have lost my competitive mortgage offer and I would have had to obtain an offer at a much higher interest rate. I can't thank her, Oliver, Grace and the rest of the Oportfolio team enough!
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Toby Barrow
August 10, 2026
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A good business is one with fast lead times. Oliver and his team were very efficient and do not let you drop the ball. For this reason we were able to lock in a good rate before the market blew up again and rates increased.
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Lynn Childs
August 4, 2026
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We have used Oliver and his team for years when it comes to remortgaging. This time we worked with Pharell. He did a fantastic job at managing the process and ensuring everything ran smoothly.
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Phil Sexton
July 28, 2026
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Oportfolio have supported us for many years now and mostly recently on the purchase of our family home. Jade and the team were superb, as always, throughout this process. Accessing competitive rates and processing applications faster than expected. Their service continues to validate our choice in Oportfolio!
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Grace Wright-Arora
July 27, 2026
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Oliver and the team have been immensely helpful through the whole mortgage purchase. 1000% would recommend Oportfolio and work with them again, thank you all!!!
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Kate Rossini
July 24, 2026
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The best mortgage advisors out there. Creative, practical and professional- they are able to suggest and work through complex arrangements and innovative solutions as well as the more straightforward procedures. What stands out is their diligence in ensuring matters are tracked and monitored through to completion and importantly the ability to recognise potential issues, solve them and to make and implement solutions if products/ providers are no longer suitable- intervening to get the best outcome and monitoring rates and products through the whole process. I have nothing but admiration and gratitude to Oliver and his whole team and would strongly recommend Oportfolio as your go to mortgage advisor without hesitation.
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Naomi Cooper-Davis
July 15, 2026
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Jade and her team Grace and Pharell did a great job helping me to secure a remortgage for my property. This is my second time working with Jade but I have recommended her to others who all found the service impeccable. I had a lot of delays from the solicitors end and the team were very diligent in chasing my case and getting everything finished. Thank you Oportfolio!
Let-To-Buy Mortgage

How does a let-to-buy mortgage work?

With more London homeowners keen to keep their property in the capital as an investment, applications for let to buy mortgages are on the increase.

A let to buy mortgage, simply lets you take out the equity in your current property, rent it out, and use the cash lump sum to purchase a new home. A regular residential mortgage is needed to purchase the new property too, meaning you’ll have two mortgage applications running along at the same time.

You will need to provide evidence of the potential rental income you could earn and this will be stress-tested to make sure it meets the affordability requirements for a let to buy mortgage.

This type of mortgage is ideal if you’ve found your next property but have been unable to, or don’t want to, sell your current home. And, of course, you can earn a tidy rental income too and not have to pay estate agent fees or get stuck in a chain.

DOWNLOAD OUR LATEST BROCHURE

At Oportfolio, we love inspiring people and helping you to achieve your dreams - buying your own home, making the most of your existing finances, or investing in other properties.

We can help you find the right mortgage because our standing in the London market allows us to get access to the most competitive rates from a multitude of lenders.

To find out more, we invite you to download our latest brochure.

Oportfolio Brochure
Let-To-Buy Mortgage

Working with a let to buy mortgage broker

For your let to buy mortgage and your residential mortgage to complete on the same day, you need to choose a mortgage broker who can handle the complexities of two mortgage applications.

As a buy to let mortgage broker, we’re used to handling all aspects of the let to buy process and we’re fully aware of the challenges. Not all lenders offer these types of mortgages. So it’s worth working with an experienced broker like Oportfolio who can help find you the best let to buy mortgages on the market and secure the right residential mortgage for your new home at the same time too.

We strive for the highest standards of client care and are committed to offering tailored mortgage, insurance and personal protection policies that match the unique aspirations of every single client.

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