Consent-to-let Help for Fleet Mortgages

Common questions relating to Fleet Mortgages consent to lease

• Next month I will be relocating to Australia. As opposed to sell my house, I would like to let it out, just in case things don’t pan out. My existing mortgage is with Fleet Mortgages. If I applied for a remortgage would a new provider consider this as me looking to dodge a Buy To Let mortgage, of which there is very little availability for 80% LTV, and hence refuse my request for Consent to Let?
• The plan is to move in with my partner and I have let my property out to two tenants on a one year AST. The application for consent to let from Fleet Mortgages is in hand but what if they refuse. I can’t rescind on my contract in terms of not renting the students as the paperwork is finalised. On the flip-side Fleet Mortgages could sue me for contravention of contract i.e. letting it out in the absence of consent to let.
• I have found myself in the accidental landlord situation and without consent to let from Fleet Mortgages. I had to vacate my flat for family reasons, so now live in another part of the country. At first I tried to sell the flat, but prices were deflated, which meant I was in negative equity. This was four years ago in 2012, the value has increased and has allowed me time to accumulate savings. I am in now in a position where I can now transfer to a BTL mortgage and would like to remortgage at the same time. My concern is, will changing mortgage providers possibly alert Fleet Mortgages that I have been letting without consent to let? I appreciate that I shouldn’t have done this, but circumstances forced my hand. Any help will be greatly appreciated?
• We would like to be informed of what the criteria is for Fleet Mortgages for consent to let. I have come across differing suggestions in relation to fees and rates. I need to move area for career reasons but I don't want to sell the house due to a depressed market.
• I am considering moving abroad for work and would like consent to let from Fleet Mortgages whilst I am away. Is the way forward to prepare a letter requesting consent to let and send it off in the post to Fleet Mortgages? The point of renting the property isn't to make money but to retain the property in case things don't turn out as well as we hope
• I am looking to Fleet Mortgages to issue me with consent to let out my basement flat in Redbridge. I am moving to India for 8 months for work.
• Fleet Mortgages - consent to let potential. Can you advise on the process with this lender? Do they have a minimum period prior to changing and is it possible that I would be required to make a cash injection to reduce the LTV?
• Is consent to let required from Fleet Mortgages if I am planning to reside in the property myself for three months of the year? Also if I gain consent to let for a limited time, say up to twelve months, what happens after that.