Need Help?

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

Frequently asked questions relating to Zephyr Mortgages consent to lease

  • I bought a house a couple of years ago in Liverpool when I worked locally. I got a new job which necessitated working in Wimbledon. I travel down on Sunday afternoon and live with a family member during the week. I am now considering relocating with the family to avoid the commute. I am exploring the possibility of renting out my existing home. My mortgage is with Zephyr Mortgages, would I have to change my mortgage rate or ought I try to get consent to let?
  • We are FTBs, presently renting. We would ideally like to buy a studio flat in Camden. We want to move there, but will need to wait for a job - perhaps a couple of years. Would we have to get a buy-to-let loan? Would it be possible to take a domestic mortgage with Zephyr Mortgages, even though we won't be moving in straight away? Alternatively could we move there for a few of months, then start renting it with consent to let from Zephyr Mortgages? I'm only willing to consider scenarios that are completely legitimate, and wouldn't breach the provisions of the mortgage with Zephyr Mortgages.
  • Is it possible to let out our house minus consent to let from our mortgage provider? I appreciate that at the time we signed a form stating it wouldn't be a buy to let property and that we are not the owners of other property. I know you can't use help to buy if you owned other property at the time, but what about property thereafter? Can one acquire a further property, receive a gifted property?
  • What is the maximum period of time permitted by Zephyr Mortgages that I would be able to let my property before having to change mortgage or sell my house? In essence, my partner has asked me to move in with him and I really want to hold onto my house. I would like the fallback of knowing I still own my own property.
  • This is not a question specific to Zephyr Mortgages but do mortgage companies generally supply the information I need for my Buy to Let or Consent to Let self-assessment tax submissions?
  • Just wondering if I would be able to get consent to let from Zephyr Mortgages enabling me to move back in with my parents for 12 months and conserve some cash to extend the lease on my property?
  • My OH is considering buying a new property in Hillingdon and is on to a good deal as it needs renovating. We want to rent our current property for two years and come back to live. Will I be given consent to let by Zephyr Mortgages?
  • Do Zephyr Mortgages respond negatively to requests for consent to let? I am just considering this as an option if I move house in the coming months