Need Help?

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.

Examples of recent questions relating to Capital Home Loans consent to let

  • Just wondered if Capital Home Loans invoke a right to change the rates on a residential mortgage where the lender has granted Consent to Let at any time, onto ‘rates in line with their BTL products'?

  • I have a current mortgage contract with Capital Home Loans and wish to clarify if it would be possible to obtain consent to let out our garden flat in Greenwich.

    The reasons(s) for wishing to find tenants for the property are are due to: -

    • My family and I will be moving to Melbourne in 3 months.
    • By letting out the house this will facilitate savings to assist with the migration process.
    • It would be pointless from a monetary perspective to pay outright for a property which we are not residing in and by letting out the property this would be considered as continuing investment.

    If Capital Home Loans agreed that we are able to proceed with renting we would propose some financial commitments which are as follows: -

    • Continue to pay the monthly mortgage payment by direct debit.
    • Instruct an approved letting agent who will provide a rent guarantee scheme as a further financial safeguard.
    • Provide our forwarding address for when we move.
  • We acquired a flat in Sunderland and will be moving to Bristol at the end of January. I have a letting agency and tenant now. I was proposing to keep quiet as I'm afraid Capital Home Loans will insist that I change my mortgage rate for buy to let and am unable to afford that. I appreciate that it would be preferable to obtain a consent to let via Capital Home Loans but am afraid if I come clean it would lead to a whole host of problems
  • I got a homeowner mortgage with Capital Home Loans last November and then had to relocate due to my job, I am now considering letting my property out for six months whilst I am abroad. What are my chances of obtaining consent to let from Capital Home Loans, and what effect would this have?
  • I am seeking from Capital Home Loans consent to let out my property in Ealing. I am planning to live with my mother as I am off work through illness.
  • I am looking to Capital Home Loans to grant consent to let out my home in Enfield. I am travelling for a year
  • Does my LTV need to be at a certain ratio to allow me to apply for a consent to let from my mortgage lender Capital Home Loans. Does it make a difference that I only drew down on the mortgage two months ago?
  • I have fixed rate mortgage with Capital Home Loans. I may have to rent out my house due to necessity. Were I to seek consent to let, will I have to pay a lot more interest?