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

Questions and Answers: Keystone Property Finance consent to let

  • For the last few months I have been letting out my flat in Croydon. I didn't obtain consent to let. I moved to Surrey for a job opportunity and couldn't do a commute but was worried that Keystone Property Finance would charge me an arm and a leg so I decided to take the risk. I'm looking to do the right thing now... basically continue leasing it but with consent. What are my next steps?
  • Because of my job, I am in a position where I anticipate that Keystone Property Finance will grant me with Consent to Let from the outset of owning a property. My intention is to buy a property locally and rent it out, I will remain in the house that is provided (rent payable) by my employer. As I will be leasing out the property I will obviously have to complete a Self Assessment Tax Return, but I just want to check that although it is my only property (and it is not on a buy to let mortgage), will I still be able to utilize Tax relief for the interest on my loan and the expenses of renting out the property. I can only find advice for those with a buy-to-let mortgage, but mine will technically be residential.
  • I rented my house out for three years from 2009-2012 while working abroad. I have a letter dated May 2010 from the mortgage company granting consent to let. In the letter it clearly states that the consent to let is valid for "the remaining term of the mortgage". I have not changed product since the letter was sent. I now plan to move house and rent out my existing house. However, my mortgage advisor has suggested that the 2010 consent to let letter may not be sufficient for the new lender Keystone Property Finance for the house I intend to buy.Can this be right
  • Fifteen years ago I was given permission by the local council and my lender Keystone Property Finance to convert a small barn into a granny annex, conditional on it not being disposed of separately from my house. My parents passed away some years ago and I would now like to rent it out with consent to let from Keystone Property Finance. Do you think this can be negotiated?
  • Do you specifically address enquiries regarding Keystone Property Finance or all of them?
  • We are having to move to the US for eighteen months for my job but I don't want to convert the mortgage to BTL as the intention is to reoccupy it when I return. Do you know if Keystone Property Finance charges extra on the interest? Is there any way around this?
  • I am interested in some guidance on how best to approach my mortgage lender Keystone Property Finance regarding a 'Consent-to-Let' application. Is this something you can help with ?
  • Is there a fixed or maximum term how long I could let my house out to a family member with consent to let from Keystone Property Finance. I no longer want to live in the area and want to buy a new home?