Need Help?

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

Together Personal Finance consent to let: Q and A’s

  • As a result my job, I am in a position where I anticipate that Together Personal Finance will provide me with Consent to Let from day one of owning a property. My intention is to buy a property in Enfield and lease it out, I will remain in the house that is provided (rent payable) by my employer. As I will be renting out the property I will clearly have to complete a Self Assessment Tax Return, but I just want to check that although it is the only house I own (and it is not on a BTL mortgage), can I claim Tax relief on the interest on the mortgage and the expenses of letting out the property. I have only been able to track down information for those with a buy-to-let mortgage, but mine will technically be residential.
  • I found tenants for my apartment six months ago and didn't tell Together Personal Finance. I have a five year domestic mortgage (healthy equity in it, never defaulted) and want to let Together Personal Finance know and get consent to let for the final 24 months of my mortgage . I am unsure what to do.
  • Am I required to notify Together Personal Finance of my plan to take in a lodger. I have two spare rooms that could be used by lodgers and I was thinking that as the occupancy remains in keeping with that of the 'family' use of the property it might not require consent to let. Can you help clarify? I am taking separate advice on the insurance, legal and tax implications.
  • I am planning on acquiring a property, letting two of the bedrooms out to help cover the loan with Together Personal Finance, and then moving on in two or three years - at which point the property would be entirely tenanted. How likely is it that Together Personal Finance would frown upon this as I will have been given a owner-occupier loan rather than a B2L or consent to let? I've read that in extreme situations they can repossess the property, is this an exaggeration?
  • Last month I purchased a apartment using a Together Personal Finance mortgage. However I am currently living with parents. I don't want to move in until August 2017 due to personal issues. In meantime can I rent out the property with consent to let?
  • Just wanted to know what needs to be provided to Together Personal Finance in order to get consent to let? I just finished a three year fixed mortgage and thinking of moving to another flat with my girlfriend.
  • Do Together Personal Finance offer consent to let? I am just considering this as an option if I move house in the the near future
  • Are you able to advise me how much the fees are and if Together Personal Finance ordinarily issue consent to let without switching to a commercial rate?