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.

Sample questions relating to Capital Home Loans consent to let

  • My flat has a mortgage against it with Capital Home Loans and I have been letting out my flat omitting to get consent to let, making me in breach of my mortgage terms and condition. I think I have come onto their radar that I am not living there. What negotiating options are available if I don't sell it in time before they become aware I am in contravention of my terms and condition?
  • My house had been let to students for three years from 2010-2013 while employed in New York. I have a letter dated January 2010 from the building society granting consent to let. In the letter it clearly states that the consent to let is valid for "the remaining term of the mortgage". I have not remortgaged since the letter was sent. I now plan to move house and rent out my existing house. However, my financial advisor has suggested that the 2010 consent to let letter may not be sufficient for the new lender Capital Home Loans for the property I intend to purchase.Can this be right
  • My husband and I are soon to send the final details to our broker for them to move forward with our mortgage application to purchase our first property together. My husband has another flat in 1999 which he jointly owns with his brother. That flat was and continues to be leased out without any consent to let from Capital Home Loans. Fast forward to our application - our broker asked for info on the Capital Home Loans mortgage. If we come clean about the lack of consent to let by Capital Home Loans will it adversely impact the chances of getting a mortgage?
  • Is it correct that lenders (my home loan is with Capital Home Loans) may start adopting a more lenient approach towards consent to let? A broker recently told me that BTL mortgages are not regulated by the FCA whereas residential mortgages are. So if I move from a homeowner to a Buy to let I am moving to a regulated product. He suggested that under the current regulation banks are reluctant to allow customers do this, which may explain why some mortgage companies will let customers apply for consent to let but not move to a Buy to let product. Is he correct?
  • My partner and I acquired a place in Manchester with Capital Home Loans and am moving to rent a property in Brighton due to work. Is consent to let from Capital Home Loansavailable? I am only looking to rent out the flat for half a year before selling.
  • I am looking to get consent to let on my Haringey apartment from Capital Home Loans. I will be leaving the UK for a year and so want to know if I am able to rent out my apartment
  • My fiance and I are considering a remortgage and also exploring the possibility of renting the property in the future - Is there a charge with Capital Home Loans to receive consent to let and what are the requirements?
  • We need to contact Capital Home Loans to enquire about letting out our house. Will they send a document to me. Can I not get this from the site?