Need Help?

Need professional advice for your consent to let with Capital Home Loans? 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 Capital Home Loans consent to lease

  • I am a FTB hoping to complete on a 2 bedroom house in Capital Home Loans. I have a significant deposit will be getting a mortgage from Capital Home Loans. My dilemma is that my partner owns a flat in Nuneaton and I anticipate moving in next year, at which point I would want to let out my property. I have heard of consent to let but it does not sound like a guaranteed option. Can you offer any advice?

  • May I ask if it is likely that I will gain consent to let with first time buyer loan through Capital Home Loans? My husband and I are looking to relocate to Waltham Forest to live nearer to our son's university, but we are by no means certain whether the relocation will be for more than a year.
  • me and my wife have just sorted our rates for another fixed period with Capital Home Loans. Subsequently, I went to an interview and basically I accepted the job offer in Enfield. I'm going to rent a two bedroom flat for the family in Redbridge as we don't wish to sell the house and moreover we might come back before two years.... We really have no idea how things will work out. We called Capital Home Loans but we would appreciate your take on the situation. Is it possible to obtain consent to let in that case as we just got a fixed 5 years rate we would not want to change.
  • I have found myself in the accidental landlord situation and didnt inform Capital Home Loans. I had to vacate my home for family reasons, so now live in another part of the country. I originally tried to sell the flat, but prices were deflated, which meant I was in negative equity. This was a couple of years ago in 2012, the value has gone up and has allowed me time to accumulate savings. I am in now in a position where I can now transfer to a BTL mortgage and would like to remortgage at the same time. My concern is, will changing mortgage providers possibly alert Capital Home Loans that I have been letting without consent to let? I appreciate that I shouldn’t have done what I did, but circumstances left me with limited options. Can I change to a BTL without Capital Home Loans knowing what I’ve done?
  • My fiance and I have already been told to write a letter to Capital Home Loans to obtain consent to let, I'm just trying to find some guidelines on the letter? What I should or shouldn't include?
  • Will Capital Home Loans choose to operate a right to convert the rates on a domestic mortgage where Consent to Let at any time, onto ‘rates equivalent to their B2L range'? Is it possible to remortgage on a consent to let with Capital Home Loans?
  • I need to contact Capital Home Loans to enquire about renting out my property. Do they send an application to me. Can I not get this from the site?
  • I'm looking to find out more about consent to let from Capital Home Loans. Would an acceptable reason be parking problems and the house is too to small for me?