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Buy to let mortgage query.

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Hi Everyone, I was hoping to get some advice.

I am planning to move in with my partner next year. He owns his own house with a only small mortgage. I own my own home too but his is much nicer! I have around £60-70 000 equity in the house plus some savings. My partner and I are both keen to keep fiances separate so there are no plans for me to go on his mortgage or for us to buy somewhere else together. I really like the idea of still having a house that belongs to me and so had thought about renting my house out and trying to get consent to let. After looking into this although the rent would cover my mortgage there are areas nearby where I think I could get much more rent for the same value of the house. I am considering selling my house and buying a house on a buy to let mortgage. I guess that it would be better to have consent to let as I wouldn't have to worry about the consent to let running out, as I would likely to want to rent out long term.

What I was wondering is if I would be able to get a buy tolet mortgage

Although I have a mortage now I wouldn't have one after Isold my house. So I wouldn't be a first time buyer but I would probably sell my houseand move in with my partner before buying a new house rather than buy and sell at the same time.

I earn £32 000. I was also wondering what financial commitments a mortgage provider would take into account while working out how much I could borrow. I have a few things on interest free credit but could possibly pay them off before I buy again. I also have student loan. I would do a lot more research before definitely deciding what to do but just wondered if it would be an option at all.

Thank you in advance to everyone who take the time to reply.

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