Need Help?

Need professional advice for your consent to let with Habito? There are various implications when it comes to letting out your property with an existing residential mortgage - you should seek professional assistance.

Frequently asked questions relating to Habito consent to lease

  • I’d appreciate your advice if you have had experience asking for Consent to Leasefora year from Habito or if you know how such approval is given.

  • A friend of mine has been renting her house from the same landlady for nearly three years. For the last year my friend has received letters from Habito (she hasn't opened them-it is clear from the envelope). At first she reposted them to the landlady's address. I was a bit suspicious as none of her landlady's post was supposed to be going there. So I went to my friends house and called Habito on her behalf. The guy I called at Habito asked all sorts of questions, the landlady's name her current address, information relating to the tenant and then said they were going to investigate whether she was entitled tolet out the house or if it was an offence in the absence of consent to let. Can you shed anymore light on this?
  • In the coming months I would like to move home and I am wondering if I can get consent to let on my property then get a mortgage approval for the new house so I can effectively bid thus being chain free and then let my property out when I move. Is it likely that Habito grant consent to let for 12 months if they know I am looking to buy somewhere else or only if I am relocating short term for my job?
  • I have a property in Harrow with a Habito mortgage but I no longer reside there. My sister moved in but pays no rent. At the moment I live in rented accommodation and am keen to purchase a house. I have identified a perfect property at an attractive price. I have sufficient for a deposit to use on the house I am interested in but would be a financial strain to pay enough off the old property to switch it to a buy to let mortgage simultaneously. Can I transfer the current Habito mortgage for my old apartment into a consent to let and use my savings to pay a larger deposit for the residential mortgage on the property that I want to buy?
  • When it comes to consent to let from Habito am I supposed to tell them every time we get a new tenant and post them a duplicate of the lease document?
  • Do I require consent to let if I let to a family member (in my case my mum now lives there and contributes towards the Habito mortgage)?
  • Do you know whether there a time limit on a consent to let from Habito? 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 want to get consent to let from Habito for two years until I can turn it into a buy to let. Is this feasible