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England & Wales · SRA / CLC firms

Consent to let

Permission from a lender for a borrower to let a property that is mortgaged on residential terms, without moving to a buy-to-let product. Requirements, fees and duration differ by lender and are set out in the lender’s own policy.

At a glance
Jurisdiction
England & Wales
Lenders covered
28
Handbook
UK Finance · Part 1 & 2

Part 2 of the UK Finance Mortgage Lenders' Handbook is amended by lenders without notice. Check the current version before relying on any requirement described here.

What has to be in place

  1. Why consent is needed

    A residential mortgage is offered on the basis that the borrower occupies the property. Letting without permission is a breach of the mortgage conditions regardless of how well the tenancy is run.

  2. What consent is

    Consent to let is a permission granted on the existing product, not a change to a buy-to-let mortgage. It may be time-limited, may carry conditions, and may carry a change to the rate.

  3. Evidence

    Take the consent in writing and check its expiry, any rate change, and any condition on the form of tenancy before treating the letting as authorised.

  4. Leasehold titles

    A lease may restrict or prohibit subletting independently of the mortgage. Lender consent does not cure a breach of the lease, and both need checking.

Consent to let for 28 lenders

Each page below covers the same subject for one lender, and says which Part 2 question holds that lender’s own answer.

Acting on lender instructions

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All lenders and the topics covered for each →

This page is written for conveyancers and is general information rather than advice on any individual matter. Lender Monitor has no affiliation with the lenders it names, holds no endorsement from them, and is not owned by any of them; their names are reproduced only so that readers can tell which lender's requirements are under discussion.