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Need professional advice for your consent to let with Fleet Mortgages? 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 Fleet Mortgages consent to lease

  • My mortgage is coming up for refinancing with Fleet Mortgages. The house has been tenanted for a two years and I think I should notifyFleet Mortgages. My understanding is that I can ask for a consent to let, but given that the property has already been rented out could they decline - force me to go onto a BTL rate and even apply a penalty? I have over 25% equity in the house - and the rent will more than cover the mortgage.
  • I have a Fleet Mortgages mortgage and have been renting my flat without consent to let, making me in contravention of my mortgage terms and condition. I think I have come onto their radar that I am not residing there. Is my only option is to sell the flat prior to being repossessed?
  • After having retired in 2014 I purchased a “retirement home” for my wife and myself to live in. We would like to let our current property to our kids and I have consequently asked Fleet Mortgages for consent to let. Do you think this is likely to be issued?
  • I am a letting agent. If a landlord opts to rent out their house without consent to let from Fleet Mortgages - what liability do I have, if any? Technically the landlord isn't breaking the law, however, they would be breaking their agreement with the Fleet Mortgages, as Fleet Mortgages invariably need to be informed of any change in circumstances. If I pay no attention to the issue could I be accruing problems for myself?
  • I have a standard mortgage with Fleet Mortgages - 32% equity or thereabouts. I am considering relocating for another job and was enquiring if Fleet Mortgages are flexible in changing the mortgage to allow for consent to let?
  • I currently have my mortgage with Fleet Mortgages and have been for the previous twenty months and I am interested in finding out some more information about the possibility of getting 'consent to let’.
  • We took out a mortgage with Fleet Mortgages a few months ago and although it's a long way off we may have to relocate around next July or August and would like to be able to rent our property out. Would this be possible with a residential mortgage?
  • Will I need consent to let from Fleet Mortgages if I am planning to occupy the flat myself for half of the year? Also if I receive consent to let for a limited time, say up to twelve months, what happens thereafter.