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Need professional advice for your consent to let with Kent Reliance (a trading name of OneSavings Bank plc)? There are various implications when it comes to letting out your property with an existing residential mortgage - you should seek professional assistance.

Kent Reliance consent to let: Q and A’s

  • I have a homeowner mortgage over my property in loc and intend to move to country for a couple of years. During this period it would be ideal if I could rent out my apartment. My bank says I cannot have consent to let. I wish to avoid taking out a buy to let loan as it’s only for a limited time-frame that I am abroad for.

  • I have exchanged contracts for a new build property in which I was going to move into, but my manager has offered me a posting abroad for 18 months, can I let the new property with consent to let from Kent Reliance.
  • I want to explore if I can get consent to let on my existing apartment. I have a mortgage with Kent Reliance but my circumstances have changed. I'm looking to move in with my partner and son who have a house and more room than my studio flat. I doubt I will qualify for a buy to let mortgage as I don't have the funds for a deposit nor do I earn more than £25000 a year.
  • I have found myself in the accidental landlord category and didnt inform Kent Reliance. I had to leave my flat for family reasons, so now live in another part of the country. At first I tried to sell the flat, but prices were depressed, which meant I was in negative equity. This was three years ago in 2012, which has since seen the property price increase and has allowed me time to save. I am in now in a position where I could switch to a BTL mortgage and would like to remortgage at the same time. My concern is, will changing mortgage providers possibly alert Kent Reliance that I have been letting without consent to let? I am aware that I shouldn’t have done this, but circumstances left me with limited options. Can I change to a BTL without Kent Reliance knowing what I’ve done?
  • My Kent Reliance mortgage is coming up for renewal. We would like to apply for a new fixed rate mortgage and then seek consent-to-let. Is this possible? We don't use the house much now that our kids have grown up, and would be better used as a rental.
  • I have a 1st time buyer mortgage with Kent Reliance which is only 7 weeks in but I have been relocated with my job. Is it possible to obtain consent to let from Kent Reliance for a mortgage that has only recently started and I have just purchased the property?
  • Is there a time limit on a consent to let from Kent Reliance? and do you need to get a new mortgage first or a general residential mortgage can just be changed to a consent to let after application?
  • I have a mortgage with Kent Reliance. I am thinking of moving out and letting out my house. Am I required to obtain consent to let ?