Like any mortgage that is based on rentals, a let to buy mortgage has its disadvantages. But every financial responsibility has hurdles and boundaries - it's down to you as a lender to make it work. And when it comes to let to buy mortgage deals, it's worth the hard work because the pros always outweigh the cons. Consider both sides, and if you still think it's worth the risk, talk to an adviser and see if you could make the most of your home with a let to buy mortgage.

Pro: It's a quick deal

Because you are not tied to chains and because you are not selling your property to move, a let to buy mortgage means a quick deal. If your lender agrees to fund the move, you could have money for your new property in an instant, meaning you can go about moving up the ladder. Then, as soon as you settle in, get renting and start making some serious money with a let to buy mortgage.

Con: More paperwork, more regulation

Although it might sound like a piece of cake, becoming a landlord with a let to buy mortgage can be a real hassle. You not only have to make sure that your home is up to regulation as a rented accommodation, which takes time and money, but you also have to make sure your leasehold allows you to rent. There are also neighbours to think about and practicalities like rent collection and maintenance - becoming a landlord with a let to buy mortgage certainly isn't easy work.

Pro: It's flexible

Because a let to buy mortgage is based on equities and properties, it can afford a lot more flexibility than a buy-to-let mortgage, which is often rigorously tied to rental income and credit history. So with a let to buy mortgage you have more options if you change your plans or the worst ever happens.

Con: Rising rates, bigger bills

Because of the recent credit crunch, more people are deciding to rent - which is great for anyone taking out a let to buy mortgage. But it also means you will be spending more on your new home, and you might also be unable to find such a competitive let to buy mortgage as you would have six months ago. Lenders are getting more used to saying no, so make sure, if you want a let to buy mortgage, they can't say anything but yes.

Pro: It makes sense

Any potential landlord would love the chance to be able to move into a new home as well as starting a new business enterprise - which is exactly what you can do with a let to buy mortgage. With these mortgages you can achieve huge profits, you can build your property empire and you can be sure of the future - it just makes sense to choose a let to buy mortgage.