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

Questions and Answers: Kensington Mortgage consent to let

  • I am looking to emigrate to Moscow . As opposed to sell up, I wish to rent my current property out, just in case things turn out badly and I decide to come back in one or two years. I have a current mortgage is with Kensington Mortgage. Would I be able to refinance with another mortgage company on a much lower interest rate then apply for Consent to Let once the re mortgage has completed?
  • My twin and his girlfriend currently lodge with me at my apartment. This Spring I would like to move out of the property and in with my OH. How likely is it that I will be able to get consent to let from Kensington Mortgage after only having the mortgage for six months?
  • My husband and I might have to let his property out. I realise that I need a consent to let by Kensington Mortgage. We plan to join a landlord association should we go ahead and let the property, but which one should we join? We've come across the RLA and National Landlords Association.
  • I have found myself in the accidental landlord scenario and without consent to let from Kensington Mortgage. I had to leave my property for family reasons, so am now based in another part of the country. At first I attempted to sell the flat, but prices were deflated, which meant I was in negative equity. This was three years ago in 2011, which has since seen the property price increase and has allowed me time to accumulate savings. I am in now in a position where I can now convert to a BTL mortgage and would like to remortgage at the same time. My concern is, will changing mortgage providers possibly alert Kensington Mortgage that I have been letting without consent to let? I appreciate that I shouldn’t have done this, but circumstances meant it was the only thing I could do to keep my head above water. Can I change to a BTL without Kensington Mortgage knowing what I’ve done?
  • I was just enquiring if Kensington Mortgage were picky when giving out consent to let. I sent my request on date and I am waiting to hear back. Should I start chasing or wait for a bit longer?
  • Are you aware of any leeway in the accepted equity ration before transferring from an existing Kensington Mortgage mortgage to a consent to let?
  • We would like to obtain consent to let on a house where we have a mortgage with Kensington Mortgage. If granted, how long would consent be given for? In seeking consent to let from Kensington Mortgage are we running the risk of them forcing us to change deal to BTL
  • I have a 1st time buyer mortgage with Kensington Mortgage which is only seven weeks in but I have been relocated with work. How easy is it to obtain consent to let from Kensington Mortgage for a mortgage that has only just started and I have just purchased the property?