Let to Buy Mortgage (LTB)

15/06/2021

This is a mortgage where the borrower’s current property is let to other tenants and the rental income is used to cover the mortgage repayments on a new property, bought as the borrower’s main residence.

When Lenders calculate how large a loan the borrower can afford to repay on LTB they do so primarily on the basis of projected rental income, rather than salary income multiples.

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