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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

  • My fixed rate mortgage is nearing renewal with Habito. I have had the property rented out for a two years and I now realise that I should informHabito. I understand that I can ask for a consent to lease, but given that the property has already been let out for a considerable time could they refuse - force me to go onto a BTL rate or even fine me? I have over 25% equity in the house - and the rent will more than cover the mortgage.
  • If I were to let out my three bed flat with consent to let via Habito, what proof would be required of tenancy? If after 1 year I decided to let it on a series of short term rental, do I still need to supply evidence to Habito, or will they be content as long as i keep up with the payments? For instance if I sublet the room individually at some point in the future, is there any reason for Habito to be informed and would they take issue?
  • I'm just looking here for a a colleague as he’s at work who has a mortgage with Habito. He wanted to find out if there is a fee for consent to let? He has been offered a job abroad and wishes to rent out his place in the interim.
  • I've been with Habito for just short of 2 years and have just renewed a fixed rate. The loan to value is in the region of 28%. We now must move into my elderly mother-in-law's house to care for her, it would preferable to lease our house out - do I require consent to let from Habito and is it likely to be granted?
  • I am looking to Habito to issue me with consent to let out my basement flat in Newham. I am moving to look after my mother who has severe complex heart failure
  • Were I to let my property with consent to let from Habito will there be any rate difference? I am currently on a fixed rate for two years.
  • My wife and I are considering a remortgage and also exploring the possibility of renting the property in the years to come - Is there a cost with Habito to procure consent to let and what are the requirements?
  • I would like some guidance on how best to approach my mortgage lender Habito regarding a 'Consent-to-Let' application. Is this a task you can offer guidance on ?