Consent-to-let Help for Metro Bank

Metro Bank Consent to Lease Example Support Desk Enquires

• I own a one bed flat but I am hardly there, considering the option of renting it out. My mortgage is with Metro Bank, would I have to convert my mortgage rate or do I apply for consent to let?
• I have been foolish in not informing Metro Bank that I’m leasing my maisonette out. My most recent tenants have left the place in a state and I need to claim on malicious damage. I’m worried that my insurer will contact Metro Bank, and secondly if they do inform them, what are they likely to do given the absence of consent to let?
• I am looking for some preliminary advice to consider if consent to let is a viable proposition. I completed the purchase of my flat 6 months ago by transferring an existing Metro Bank mortgage product. My fixed rate ran out three months ago. I'm currently considering moving in with a new partner who has his own property and mortgage also with Metro Bank, which I would not seek to be added to. I don't want to sell my property yet because I'm unsure of whether the new move will work out. I don't want to move to a buy to let mortgage yet for 2 reasons: 1) I need to find out whether letting my property is a feasible option for myself and 2) I need to raise extra capital to satisfy the 65% LTV ratio required for a BTL mortgage. Ideally I would like to receive consent to let from Metro Bank for 1-2 years in order to be more secure in becoming a possible landlord and to generate the capital. If at the end of the consent to let period I was unsure I would probably either sell my property or, depending on the new relationship working out, resume living there.
• I may have the chance to go and work overseas in a couple of years. I am therefore possibly scaling down to a newer apartment in Newham which I could rent out more easily when the time comes. The intention is to retain 50% equity in the new apartment which would be my home for a while. My existing mortgage co will only grant consent to let for a year. I suspect renting it out longer term and not having consent could land me in a whole host of trouble. B2L seems unnecessarily expensive given that I will be living there, perhaps for 2-3 years initially. What product should I be seeking, and from whom? Would, for example, Metro Bank grant consent to let for an open ended period?
• My wife and I want to let our house out and use the rental income to pay rent on a house in Greenwich. How likely are we to be given consent to let by Metro Bank without being forced onto a BTL product.
• I am looking for some generic information on consent to let. I already have a mortgage in place with Metro Bank. I have been given approval to sublet my apartment from the managing agents and they asked if I have consent to from Metro Bank.
• Can you tell me how much the fees are and if Metro Bank ordinarily give consent to let without switching to a commercial rate?
• About to remortgage my house but I will potentially moving out in the near future and would be looking to rent it out. Do you think I can get buy to let or consent to let from Metro Bank?