Consent-to-let Help for Habito

Top Five Questions relating to Habito consent to lease

• I have a residential mortgage over my home in loc with the intention of moving overseas to country for two years. During this time frame it would be ideal if I could rent out my apartment. My lender says I cannot have consent to let. I am not inclined to transfer to a buy to let mortgage as it’s only a short term option that I am abroad for.

• I have a shared ownership property in Lewisham and will be looking to buy out the rest of the property. However, within the next six months I may be working overseas for a short period of time so would like to know what approach Habito take to consent to let as I am considering a remortgage with them. I am by no means sure that a mortgage can be obtained on my property but as an aside can you provide further detail on their consent to let requirements?
• I have a Habito mortgage on a flat I own, in Bromley. This year, due to a change in my circumstances I decided to rent out the apartment, and rent a house in a different area within same loc. The personal situation that changed is that my partner moved in, and the flat is too small for us. I do not want to try to sell the flat because the current market value is 15% less than the market value when I acquired the property in 2004. I contacted Habito for a consent to let which was turned down as they determined that I wanted to invest in the flat. The whole process was very confusing. There is a sense of urgencyas there is a prospective tenant waiting for this consent to let and could look elsewhere.Please call me to discuss
• We are currently in Dubai and leasing out our apartment in Westminster. This was unplanned but an opportunity arose and we took it. The rental income is not enough to cover the mortgage so we send back money each month to make up the shortfall. Last week our lender got in touch telling me that because the property is being let out and has been for nearly three years we will have to pay 1.5% interest on top of our current mortgage rate. One option is to sell up but this will be difficult as I am on the other side of the world. Would it be possible to remortgage with Habito and get consent to let?
• We are close to purchasing a property and plan to live in it once we have renovated but we may need to let the property out but not clear on what the rules are on consent to let from Habito? We don't require a buy to let mortgage because we are not certain if we will need to let it out at all
• I would like to rent out my property for three years at most. I would like to know if I could have a consent to let from my existing mortgage lender Habito?
• I was wondering if you are able to help. I do not have consent to let from Habito and would like to know if this option would be possible for me to move to as I must move back home to look after my mum
• Just a quick one. Will Habito force me into a consent to let product whilst in a fixed rate product for twenty four months?