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Need professional advice for your consent to let with Rooftop Mortgages Ltd? 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: Rooftop Mortgages consent to let

  • I have been letting out my flat with "consent to let" from Rooftop Mortgages on a homeowner mortgage for the previous 24 months. Rooftop Mortgages have advised of their intention of revoking consent to let if we do not convert to one of their "buy to let" mortgages.

  • Within the next few days I intend to ask Rooftop Mortgages for consent to let out my property in Rooftop Mortgages. However I have put the house on the market but there are no takers and forking out for a full mortgage, council tax and insurance on unoccupied house is a financial drain. How are Rooftop Mortgages going to react if I market the property?

  • We bought a house in 2008 with the help of a housing association, I own half by way of mortgage and rent the remaining half. Three years ago I bought a new house. I rented out my first property and moved to my new property. I gained consent to let from my mortgage company and I believed I had consent to let from the housing association. Earlier this week I had a phone call from the housing association advising they had nothing on record to evidence I had obtained consent to sublet. What are my options?
  • We have a standard variable mortgage with Rooftop Mortgages that we are having difficulty gaining consent to let due to being in New York and leasing the apartment such a long time ago without their consent which we did not know was required. We have a 50% LVR and made overpayments of £500pm for three years so there are no arrears. We would happily switch onto a buy to let rate with them at a jacked up rate however that has not been offered to us.
  • My lender wont grant consent to let without a move in date confirmed with a tenant. How can I confirm this whilst lacking consent to let? I can't be certain but I vaguely recall my friend had a similar issue with Rooftop Mortgages.
  • How much of my mortgage allowance will be made available to draw down on if I switch my mortgage to a consent to let with Rooftop Mortgages?
  • Assuming that I was successful in obtaining consent to let from Rooftop Mortgages, could I sell during the consent period? Is it possible that I would incur any charges?
  • My OH and I have 5 months to remaining on a two year residential mortgage with Rooftop Mortgages but now rent the house out. Can I assume they will just charge a flat fee for consent to let?