Need Help?

Need professional advice for your consent to let with Kent Reliance (a trading name of OneSavings Bank plc)? 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 Kent Reliance consent to let

  • Can one refinance on a consent to lease with Kent Reliance?

  • I am in a difficult predicament with a Consent to Let home loan. Having sought consent to let the lender has requested evidence of a signed Assured Shorthold Tenancy before they will grant consent. Is is not the case that if I adhered to their request that I would be breaching the lender’s terms and conditions?

  • In what situations will consent to let for a property be granted from Kent Reliance? For what period of time do you have to have had the mortgage before consent to let can be granted by Kent Reliance? By way of background:We were living in a very small 1 bedroom flat which is too small for us, my husband is also unwell and we are far away from family who could offer us a bit of relief, in the form of babysitting. I am looking at getting a consent to let in the first instance with a view to put a tenant in it to offset the expense of the Kent Reliance mortgage.
  • For two years now I have been with Kent Reliance and have just re-fixed the mortgage rate. The LTV is in the region of 30%. Unfortunately we must move into my mum’s home to look after her, it would preferable to let our house out - do I need to seek consent to let from Kent Reliance and is it likely to cost much?
  • My fiance and I have already let but only just dawned on us that Kent Reliance should've been told and consent to let sought - can this be obtained retrospectively?
  • Will Kent Reliance choose to exercise a right to switch the rates on a standard mortgage where Consent to Let at any time, onto ‘rates equivalent to their BTL range'? Can one remortgage on a consent to let with Kent Reliance?
  • In the event that I was successful in obtaining consent to let from Kent Reliance, can I sell during the consent period? Is it possible that I would incur any penalties?
  • Is consent to let required from Kent Reliance if I am intending to occupy the apartment myself for part of the year? Furthermore if I obtain consent to let for a period of time, say up to 2 years, what happens thereafter.