Consent-to-let Help for Zephyr Mortgages

Zephyr Mortgages consent to let: Q and A’s

• I have just come off a call with Zephyr Mortgages and they tell me that it has been brought to their attention that I have been letting out the maisonette even though it is on a normal mortgage. I needed to move a couple of years ago for childcare reasons, couldn't sell and so had little option but to rent out my property. Do you know what the connotations may be for me not seeking consent to let?
• Me and my husband reside in a matrimonial property where we have a number of vacant rooms. We are looking into the prospect of setting up an holiday rental type operation to let half the home out on a check-in and check-out arrangement. Are you aware if this is likely to be permitted in accordance with Zephyr Mortgages’s standard 'consent to let' Terms?
• I am interested to know how difficult it would be to seek consent to let from Zephyr Mortgages. I'm taking a fixed homeowner mortgage and hope to reside at the property but want to know what options are open to me if work has opportunities elsewhere for eg in 2 or 3 yrs Could you let me know generally how receptive Zephyr Mortgages are regarding consent to let?
• Can you explain "consent to let" to me? I live in a studio flat and its in good condition. It is on the market and I can't find a buyer. This is probably due to an ongoing dispute with the family next door. I have had to mention this on the disclosure sheet. I am with Zephyr Mortgages on a fixed rate. It has been suggested to me that I should get consent to let via Zephyr Mortgages and lease the property for a year or two.
• My fiance and I have a owner-occupier mortgage with Zephyr Mortgages and are considering obtaining consent to let so that we can apply for another mortgage on another property that I own on a buy to let basis. Before we apply it would be helpful to know the consequences of making the change and any facts that we need to be aware of.
• Do you know if Zephyr Mortgages would have archive records as to whether consent to let was granted for a specific property?
• Is it possible to negotiate a consent to let from Zephyr Mortgages if I have a current mortgage which has been in place for ten years?
• Just wanted to know how to get a consent to let from Zephyr Mortgages with whom I have a mortgage with. There is a remaining balance of 57k. The value of flat is 220k. Property is in my name but my wife and I would like to purchase a one bedroom apartment in Waltham Forest we have seen together. How do we go about it?