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.

Top Five Questions relating to Habito consent to lease

  • I am in an impossible situation with a Consent to Let home loan. Reacting to my requisition for consent to let the bank has requested evidence of a signed Assured Shorthold Tenancy before they will grant consent. Is is not the case that if I adhered to their request that I would be violating the lender’s terms and conditions?

  • A year ago my building society (not Habito) provided me with consent to let. This was subject to a provision that every 6 months they would add a charge of half a percent of the remaining mortgage amount. Having the first few payments they have omitted to make the charge in recent months. Should I be worried that this means that my consent to let has been canceled .
  • At the moment have a three year fixed term mortgage with Habito that we're about one year into. Our circumstances have now changed and we would like to rent out our flat for a while and whilst we relocate to Camden. How do we mitigate the risk of Habito refusing to grant consent to let.
  • Am I obliged to inform Habito of my plan to rent my property out as a holiday let for twelve weeks. Can you shed any light on this? I am taking separate advice on the insurance, legal and tax side of things .
  • My wife and I have already been told to write a letter to Habito to obtain consent to let, I'm just trying to find some guidelines on the letter? What I should or shouldn't include?
  • I am require from Habito consent to let out my home in Harrow. I am going to live with my mother as I am off work through ill health.
  • My fixed rate loan with Habito ends in June and have to move with work soon after. Will I be able to both refinance and obtain consent to let?
  • I wish to purchase a new home but can't afford to sell my existing flat with a Habito mortgage. Do you know acceptable terms for Habito to issue consent to let? Is getting married and having kids an acceptable reason to to ask for consent to let?