Consent-to-let Help for Paragon Mortgages Ltd

Paragon Mortgages consent to let: Q and A’s

• I am currently seeking a mortgage as first time buyer and considering Paragon Mortgages with my mortgage adviser. Suppose I choose a four year fixed rate I live at the property and after 2 years, an opportunity comes up which involves a relocation necessitating moving to a different city. Where Paragon Mortgages grants me consent to let,would the interest rate load the interest rate?
• I have just been on the phone to Paragon Mortgages and they tell me that it has been brought to their attention that I am renting the ground floor flat even though it is on a domestic mortgage. I moved out a couple of years ago for childcare reasons, couldn't sell and was left with little choice to rent out my property. Do you know what the connotations may be for me not getting consent to let?
• My husband and I recently sorted our rates for another fixed period with Paragon Mortgages. Subsequently, I went to an interview and basically I accepted the job offer in Havering. I'm going to rent a two bedroom flat for me and my family in Bromley as we don't want to sell the house whist there is a chance that we come back before two years.... We really don't know whether it will work out. We have contacted Paragon Mortgages but we would like also your take on the situation. Is it possible to receive consent to let in that case as we just got a fixed 5 years rate we would not want to swap this.
• I'm looking to remortgage our old three bed flat, currently tenanted with consent to let from Paragon Mortgages, onto a BTL rate as we are unlikely to be moving back into it now since we have our family home. So, I'm assuming I need a specialist broker for this and I am not really familiar with what is on offer in this area. Are you able to recommend a good broker service specialising in BTL?
• Do I need to wait for consent to let to be granted on my prevailing residential mortgage with Paragon Mortgages before applying for a resi mortgage on a new property?
• Do you know whether Paragon Mortgages will accept rental income on consent to let for affordability purposes or does it need to be on a buy to let ? Would Paragon Mortgages let me raise capital based on the rental income ?
• Six weeks ago I purchased my property and took out a mortgage with Paragon Mortgages but my boyfriend has asked me to move in with him. Would I be granted consent to let?
• Is there a time limit on a consent to let from Paragon Mortgages? and do you need to get a new mortgage first or a general residential mortgage can just be changed to a consent to let after application?