Need Help?

Need professional advice for your consent to let with Whistletree (a trading name of TSB Bank plc)? There are various implications when it comes to letting out your property with an existing residential mortgage - you should seek professional assistance.

Top Five Questions relating to Whistletree consent to lease

  • Is it permissible to let out our property in the absence of consent to let from our mortgage provider? I appreciate that at the time we signed a contract saying it wouldn't be a buy to let property and that we are not the owners of other property. I know you can't use help to buy if you owned other property at the time, but what about property thereafter? Can you purchase a further property, receive a gifted property?
  • I accept that I have been most reckless in failing to notify Whistletree that I’m leasing my maisonette out. The latest tenants have left the place in a state and I need to claim on malicious damage. I’m afraid that my insurer will contact Whistletree, and secondly if they do inform them, what are they likely to do given the lack of consent to let?
  • I rented my house out for three years between 2009-2012 while employed abroad. I have a letter dated March 2010 from the lender granting consent to let. In the letter it clearly states that the consent to let is valid for "the remaining term of the mortgage". I have not refinanced since the letter was issued. I now plan to move house and rent out my existing house. However, my mortgage advisor has suggested that the 2010 consent to let letter may not be sufficient for the new lender Whistletree for the property I wish to purchase.Can this be right
  • Enquiring whether Whistletree conduct any checks when seeking a resi mortgage, I'm ideally looking to rent the property out and am unsure as to whether I should apply for consent to let. How likely are they to find out if I rent the property out?
  • Last month I got married and I am in the process of buying out 100% of my co-ownership mortgage with my wife. As a result we have now been given a 90% loan to value on our house. We want to buy a larger place. Will it be possible to get a consent to let on my new mortgage with Whistletree to allow us to get a mortgage also with Whistletree for a new home?
  • I would like to let out a room in my flat in Westminster. Do I require consent to let from my mortgage provider Whistletree?
  • I recently completed on a house using a Whistletree home loan. However I am presently living with mother and father. I don't want to move in until next February due to personal reasons. In interim can I rent out the property with consent to let?
  • I recently completed on a studio flat in Newham. I am a FTB. I am moving Paris next month, can I get consent to let from my lender Whistletree or do need to wait for at least 6 months?