Consent to let on a Birmingham Midshires mortgage
When a borrower needs Birmingham Midshires’s permission to let a property mortgaged on residential terms, and what a conveyancer needs to see before relying on it.
- Topic
- Consent to let
- Jurisdiction
- England & Wales
- 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 consent to let means here
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.
The general position on consent to let is the same across the market. What differs is the lender's own requirement, and that sits in Part 2 of the UK Finance Mortgage Lenders' Handbook rather than in general guidance.
What has to be in place
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.
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.
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.
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.
How Birmingham Midshires sets its own conveyancing requirements
If a request from your solicitor seems to have nothing to do with your purchase, it is usually being made for Birmingham Midshires rather than for you. The UK Finance Mortgage Lenders' Handbook is where that obligation is written down.
Part 1
The same for every lender
- The general instructions that apply across the industry: what has to be investigated, what has to be reported, and what the certificate of title commits the firm to.
- Changes rarely, and changes are published.
Part 2
Birmingham Midshires’s own answers
- Where the lender sets its own position: what it accepts on indemnity policies, on new-build warranties, on occupiers and on much else.
- Amended by the lender without notice, which is why nothing on this site reproduces it.
Check the current version before relying on any requirement described anywhere, including here.
Monitoring Part 2 for changes is what this site is for, so the monitoring record itself belongs on the page. This is Birmingham Midshires's.
Counting the amendments rather than the years: Birmingham Midshires has made 451 changes to Part 2 sections since 2017, 46 of them in 2026. One amendment can touch several sections, so this counts section changes rather than distinct sections, and revisions that moved nothing but the document’s own date are left out.
Counted from the Lexsure Part 2 change record supplied on 3 August 2026, which holds the years a lender’s Part 2 was amended rather than what any amendment said. 2026 is a part year, because the extract was taken partway through it. A lender that revises Part 2 often is not a worse lender than one that leaves it alone: what these figures describe is how far a conveyancer can rely on what applied last time, which is why the current version is the one to check.
This site says which Part 2 question holds a lender-specific answer rather than reprinting the answer. A stale copy of a requirement, on a page someone acts on, is worse than no copy.
What to confirm with Birmingham Midshires rather than assume
Part 2 of the Handbook carries each lender's own requirements and its overrides of Part 1, and it is amended without notice. These are the points where the answer is Birmingham Midshires's rather than general practice:
- Whether consent is granted for a fixed period or until further notice
- Any required form of tenancy agreement and any minimum or maximum term
- Whether the interest rate or product terms change while the consent is in force
We do not reproduce Part 2 here. It is lender-specific, it changes without notice, and a stale copy of it on a page a conveyancer relies on is worse than no copy at all. LM04 tracks those changes.
Acting on this lender’s instructions
Panel membership decides whether a firm can act at all. LenderPanel maintains the directory borrowers search when choosing a conveyancer, including for Birmingham Midshires.