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

Halifax consent to let: Q and A’s

  • Within the next few days I intend to apply to Halifax to obtain consent to let out my home in Halifax. However I have put the house on the market but there is no interest and forking out for a full mortgage, council tax and insurance on unoccupied house is hurting financially. What position would Halifax take if I have the house on the market?

  • My flat has a mortgage against it with Halifax and I have been letting out the property minus consent to let, making me in breach of my mortgage conditions. I think I have come onto their radar that I am not living there. Is my best option is to dispose of the apartment before repossession?
  • We have just sorted our rates for another fixed period with Halifax. Some weeks later, I went to an interview and basically I accepted the job offer in Hillingdon. I'm going to rent a two bedroom flat for me and my family in Enfield as we don't want to sell the house whist there is a possibility that we come back within a couple of years.... We really don't know how things will go. We called Halifax but we would like also your point of view please. Is it possible to get consent to let in that case as we just got a fixed 5 years rate we would not want to lose this rate.
  • I run a letting agency in Bromley. If a landlord chooses to let out their house without consent to let from Halifax - what liability do I have, if any? Technically the landlord isn't breaking the law, however, they would be breaking their agreement with the Halifax, as Halifax most probably need to be informed of any change in circumstances. If I turn a blind eye could I be storing up trouble?
  • My family circumstances has changed, and I would like to let my home out - meaning consent to let- I have about £140K loan with Halifax and currently 100k equity I need to side-step the redemption penalties.
  • I have a question I'd like to ask...if consent to let is granted by Halifax would it usually be subject to a time limit, such as 6 or 12 months?
  • I took a domestic mortgage with Halifax, and I would like to rent the house out, until I decide whether to sell or retain it as an investment. At the moment I am on the fixed rate. Will I need to remortgage? I.E. buy to let?
  • Seven weeks ago I completed my homeloan with Halifax since when my boyfriend has proposed and we are deciding whether to live in his house or my property. Would I be issued consent to let if I were to move in with him