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Need professional advice for your consent to let with Capital Home Loans? There are various implications when it comes to letting out your property with an existing residential mortgage - you should seek professional assistance.

Top Five Questions relating to Capital Home Loans consent to lease

  • Will Capital Home Loans activate a right to put a loading on my interest rate on a standard mortgage that has just been approved for Consent to Let at any time, onto ‘rates akin to their BTL products'?

  • A friend of mine has been renting her property off the same landlady for nearly 18 months. Over the last six months my friend has received letters from Capital Home Loans (she hasn't opened them-it is clear from the envelope). To begin with she forwarded them to the landlady's address. I was a bit suspicious as none of her landlord’s post was supposed to be going there. So I went to my friends house and phoned Capital Home Loans on her behalf. The guy I spoke to at Capital Home Loans had a long list of questions, the landlord’s name her current address, the tenant's name and then said they were going to look into whether she could legallylet out the house or if it was an offence without consent to let. What does this mean for my friend?
  • Is it legal to rent out our house without consent to let from our lender? I recognise that at the time we signed a form saying it wouldn't be a buy to let property and that we are not the owners of other property. I know you can't use H2B if you owned other property at the time, but what about property after the event? Can one purchase a further property, receive a gifted property?
  • The hope is to move home. The query I have is whether consent to let will be given on my house for me to then obtain a mortgage for the new house so I can effectively bid chain free and then let my house out should I move. Will Capital Home Loans give consent to let for 12 months? Assuming the letting goes to plan can the consent to let time limit be extended?
  • Will Capital Home Loans want to know why I am applying for consent to let? Is it wise to disclose my potential relocation overseas?
  • I was just looking into consent to let as it's something potentially I require from Capital Home Loans within the next 12 months. Our marital situation has changed, and I wish to lease my home out
  • I currently have a residential mortgage with Capital Home Loans and plan on letting due to work being based in Manchester. In seeking consent to let from Capital Home Loans do I run the risk of them forcing me to change deal to BTL
  • I have a mortgage with Capital Home Loans taken three months ago where I moved from another mortgage provider. Can I now rent my property with consent to let from Capital Home Loans as I am planning to buy a further property.