Consent-to-let Help for Together Personal Finance Limited

Together Personal Finance consent to let: Q and A’s

• I have a residential mortgage over my residence in loc and intend to move to country for two years. During this time frame it would be ideal if I could lease out my apartment. My mortgage provider refuses to issue a consent to let. I am not inclined to transfer to a buy to let loan as it’s only for a limited time-frame that I am going away for.

• I have a shared ownership home in Sutton and will be looking to buy out the rest of the property. However, within the next six months I may be working in Kenya for a short period of time so would like to know what approach Together Personal Finance take to consent to let as I am considering a remortgage with them. I am not sure if a mortgage can be obtained on my property but in the meantime can you provide further advice on their consent to let criteria?
• I spoke to a IFA friend last week. She said that were I to decide to move abroad with my job for a period then I should not apply for consent to let from my mortgage provider (Together Personal Finance) until at least 2 weeks before I plan to rent out the property. Am I to understand that I have to find a tenant first and then obtain a consent to let?
• We have an offer accepted to purchase a property, we have a deposit of between 20-25% for a standard mortgage with Together Personal Finance. The small issue is we are due to leave the country in two months for work. We are using a mortgage broker. He says if you tell this to Together Personal Finance in advance you will need to get a buy to let. Do go ahead with residential mortgage with Together Personal Finance, shortly thereafter seek consent to let? Otherwise, do we try and contact Together Personal Finance at this point and disclose there is a chance we will move abroad in the future (nothing is definite concerning the move abroad) and see if they confirm before hand that it wouldn't be an issue
• I have a domestic mortgage with Together Personal Finance and require consent to let. What are the factors and procedures that I need to be aware of in order to obtain consent?
• I am trying to investigate if it is possible to get a consent to let mortgage with Together Personal Finance rather than a buy to let mortgage
• I am looking to get consent to let with my Together Personal Finance residential mortgage. It is a detached house. Will Together Personal Finance grant consent on this basis? Or would it be regarded as an HMO?
• Are you aware if there is usually a maximum loan to value amount before Together Personal Finance will grant consent to let?