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.

Examples of recent questions relating to Habito consent to let

  • I have a home loan with Habito on a flat and I would like to find a tenant for it out and rent an alternative property as a result of changes in personal circumstances - I want to move to a different location, and to live in a larger property with my fiance. I applied for consent to let and recently got reply with a refusal as they considered that I want to invest. I as at a loss as to what my options are. I find myself at risk since I already have rented a new house and would have to pay both the Habito mortgage and rent, which could put me at financial risk. The matter is urgent because a prospective tenant at the ready
  • My property recently got consent to let on a normal mortgage with Habito with aim of switching to a B2L rate when the fixed rate expires in a few months' time, so I'm not sure if this adds to the complexity of the issue! Any recommendations much appreciated.
  • What is the maximum period of time allowable to Habito that I would be able to let my property before having to switch mortgage or sell my house? In short, my partner has asked me to move in with him and I really want to hold onto my house. I would like the fallback of knowing I still own my own property.
  • We are planning to lease out my apartment for 12 months from 15th September next year. Is there a template letter I can use to write to Habito to seek consent to let.
  • I was just enquiring if Habito would issue me with consent to let and what kind of charges, penalties and new rates etc
  • I am trying to find out Habito fees for conversion to consent to let from a fixed rate residential mortgage?
  • Does my LTV need to be at a certain ratio to allow me to apply for a consent to let from my mortgage provider Habito. Will any consideration be given to the fact that I only drew down on the mortgage four months ago?
  • I am currently refinancing and exploring the flexibility of certain lenders when it comes to consent to let. Habito is one of the lenders I am considering. How accommodating are they when it comes to consent to let?