Billericay: 01277 623010 | Brentwood: 01277 230300

Lettings – Consent to Let

For many homeowners, letting their property provides an obvious investment opportunity as an alternative to selling. With the right help from your letting agent, the matter should be quite straightforward, although there are certain consents that should be obtained if you are to avoid some potentially costly problems.

You will certainly need the consent of your mortgage provider. They are unlikely to object, but you could be in breach of your mortgage terms if you have not obtained their consent before letting your property. They may also charge an administration fee. One important thing to check is that there is no clause that increases the interest rate on your loan should the property be used as a “commercial venture”. Some lenders may require you to switch to a buy to let product.

If you own the freehold, you should check whether your title deeds impose any restrictive covenants of which the tenant should be aware. For example, there may be a restriction preventing anyone keeping a caravan on the forecourt, or storing building materials for more than a few days.

If your property is leasehold, you will have to check the conditions of your lease as there may be similar restrictions and you may have to obtain the freeholder’s consent, for which they may charge a fee. Importantly, once consent has been obtained, you must ensure that your tenant is aware of, and complies with, the same obligations that you yourself would observe as owner occupier.

Finally, you should obtain permission from your home insurance provider. There may well be an increase in premiums where a property is let, although there are insurers who specialise in buy to let.

Please let us know if you would like any assistance with what consents you might be required to obtain and we’ll aim to give you peace of mind for a successful let.

11th December 2017

Dean Caldon

Managing Director

Grace & Rose Estate & Letting Agent

If you are looking to move home in the near future, or need any advice with regard to selling or letting your property, please don’t hesitate to call either myself, or one of our team at Grace & Rose, your local, independent, family run Estate Agents in Billericay 01277 623010 and Brentwood 01277 230300 – book your free market appraisal or email me direct on

We also cover Shenfield, Chelmsford plus the surrounding villages including Blackmore, Bobbingworth, Chipping Ongar, Doddinghurst, East Horndon, Fryerning, Great Baddow, Great Burstead, Great Warley, Herongate, High Ongar, Hutton, Ingatestone, Ingrave, Kelvedon Hatch, Little Burstead, Little Warley, Moreton, Mountnessing, South Woodham Ferrers, Stock, Stondon Massey, The Lavers, The Rodings, West Horndon and Writtle.