Need Help?

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

Sample questions relating to Pepper Money consent to let

  • I intend to let out my flat to some tenants who have asked me for a duplicate of my ‘consent to let’ from Pepper Money, my bank. Is this standard practice? My letting agent cannot offer an explanation, can you?

  • I am a first time buyer in the process of attempting to purchase a flat. However I am potentially also going to be moving abroad within the next couple of years. I have mentioned this to my financial adviser who has informed me as long as nothing has been signed or confirmed you can go ahead and apply for a residential mortgage with Pepper Money. Once that's complete if it transpires that I need to move abroad he said can apply for a consent to let from Pepper Money. How would the property be treated for CGT purposes? From what I can tell there is some sort of tax relief if you have had to vacate your property to move abroad for work. is that right?
  • I plan to relocate to another property, I have been at my existing property for fifteen months. Is there a minimum time to spend at a property before Pepper Money will give a consent to let?
  • Where a property owner opts to lease out their property in the absence of consent to let via Pepper Money - what, if any implication might there be for an agent acting on their behalf?
  • At the moment I do not have consent to let from Pepper Money but I would like to apply, I am looking at working away for eighteen months. But want to keep my house for when I come back - are you able to help?
  • Our Pepper Money mortgage is coming up for renewal. We would like to apply for a new residential mortgage and then apply for a consent-to-let. Is this possible? We don't use the house much now that our kids are growing up, and would be better used as a rental.
  • Please could you shed light what the procedure would be if we purchased a second home and need to obtain consent to let for our existing mortgage with Pepper Money
  • Is there a time limit on a consent to let from Pepper Money? and do you need to get a new mortgage first or a general residential mortgage can just be changed to a consent to let after application?