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 The Intermediary Mortgage Lenders Association has this week highlighted the difficulties which people face when trying to get onto the property market.
Peter Williams, the association's executive director, said that some desperate homebuyers were risking financial problems by opting for let-to-buy mortgages.
According to Mr Willams, the increasing popularity of this type of loan shows "how difficult it is for some people to enter the housing market…because people are willing to take the risk of buying a property through renting it out."
He added: "There are a number of difficulties with let-to-buy in that it assumes an ongoing rental market."
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A let-to-buy mortgage is one that allows a first-time buyer to get onto the property market by using the rental yield from their property to pay for their mortgage.
They are effectively letting to enable themselves to buy and the profit made on this first property should then allow them to get onto the ladder as a home owner.
But Mr Williams said: "Although the prospect of rentals remain strong, that won't be true in every single locality."
Julian King of National Homebuyers says: "The restrictions on let-to-buy deals are quite sizeable, such as the rental income on your present home must not be less than 125% of the interest rate charged on your current mortgage, your new property must be you new home and there is a deposit required for your new purchase.
"All this at a time when property prices are falling seems a fairly dangerous move."
Mr King is a director of National Homebuyers, the UK's leading quick house sale company that assists thousands of homeowners with a fast property sale or a Sell and Rent Back solution.
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