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Posted by Admin - 04/11/2015


Consent to Let

There are many things to consider when you decide to let out your property, such as decoration and maintenance but do not forget about your financial and legal obligations and the Consent to Let.

Your Mortgage

Firstly if the property you are intending to rent was purchased as your home, ensure you inform your mortgage provider and obtain a consent to let as your mortgage is different to a buy to let mortgage.  The mortgage provider will want reassurance that the property was not initially purchased as an investment property and that there is a genuine reason why you are now letting the property out.   The mortgage interest rate may increase and you may be charged an administration fee, however, this will depend on the provider.  Each provider will have its own drafted letter to ensure they are adequately protected and you should ensure you use this to avoid being in breach of your mortgage conditions.

The Freehold

If you do not own the freehold of the property you must inform the head lessee and obtain written consent to let the property.  Failure to do this could lead to legal action as you may have breached the leasehold agreement.


It is just as important to get written consent to let from any co-owner of the property as failure to do this could also lead to them taking legal action against you.

Your Insurance Company

Failure to inform your insurance company of your intention to let could invalidate your insurance or leave you under insured. That means that any claim made against you could leave you personally liable.  You will need to take out the appropriate Landlord Insurance cover.

Once you have complied with the financial and legal obligations and you have received your consent to let, you can reap the rewards of your property investment.

Once you’ve got your consent to let its time to move on to preparing your property for rental.