Consent To Let Letter Template - England and Wales

Consent To Let Letter for the United Kingdom

Consent To Let Letter Template for England and Wales

A Consent to Let Letter Template is a formal document used in England and Wales that enables mortgage lenders to grant permission to property owners to rent out their mortgaged property. This document outlines the conditions under which the letting is permitted, including duration, insurance requirements, and any special conditions imposed by the lender. It serves as a crucial legal protection for both the lender and the borrower, ensuring compliance with mortgage terms while allowing for rental arrangements.

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What is a Consent To Let Letter?

The Consent To Let Letter Template is essential when property owners wish to rent out their mortgaged property in England and Wales. Most residential mortgages require explicit permission from the lender before the property can be let to tenants. This document formalizes this permission, specifying the conditions, duration, and requirements that must be met. It protects the lender's interests while providing clarity to the borrower about their obligations. The template typically includes property details, mortgage information, letting conditions, insurance requirements, and any specific lender stipulations.

What sections should be included in a Consent To Let Letter?

1. Property Details: Full address and description of the property subject to the consent

2. Mortgage Account Information: Details of the mortgage account number, reference, and borrower information

3. Consent Duration: Clear statement of the timeframe for which the consent to let is granted

4. Core Conditions: Mandatory conditions that must be met for the consent to remain valid

5. Insurance Requirements: Specific requirements for insurance coverage during the letting period

What sections are optional to include in a Consent To Let Letter?

1. Property Management Arrangements: Details of letting agent or property manager if one is being appointed

2. Special Mortgage Conditions: Any additional requirements specific to the mortgage lender

3. Leasehold Permissions: Additional permissions required if the property is leasehold

4. Regulatory Compliance: Specific mentions of compliance with relevant regulations and safety requirements

What schedules should be included in a Consent To Let Letter?

1. Schedule 1 - Safety Certificates: Copies or details of required safety certificates including Gas Safety, Electrical Safety, and EPC

2. Schedule 2 - Insurance Documentation: Details or copies of landlord insurance coverage

3. Schedule 3 - Proposed Tenancy Agreement: Draft or template of the intended tenancy agreement if required by lender

Authors

Alex Denne

Head of Growth (Open Source Law) @ ��Ƶ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Cost

Free to use

Relevant legal definitions

Clauses

Relevant Industries

Banking & Financial Services
Real Estate
Legal Services

Relevant Teams

Legal
Mortgage Operations
Property Management
Compliance
Customer Service

Relevant Roles

Mortgage Advisor
Property Manager
Legal Counsel
Letting Agent
Compliance Officer

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