What is Consent to Let Mortgage?

A Consent to Let mortgage is a type of mortgage that allows homeowners who find themselves in unique circumstances, to rent out their primary home for a specified period, while still maintaining their mortgage agreement with the lender. It is often used by UK Expats and Foreign Nationals who are forced to move overseas for work or family reasons.

Consent to Let Mortgages are popular with Expats and Foreign Nationals as they enjoy similar rates and terms to those of a traditional family occupation or residential mortgage, all while retaining the flexibility to rent out their property. By choosing a Consent to Let, Mortgages UK Expats and Foreign Nationals also avoid the common pitfall of overpaying for a Buy-to-Let (BTL) mortgage, which are typically priced higher than residential mortgages.

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Benefits of a Consent to Let Mortgage

Generate Rental Income: One of the most significant benefits of a Consent to Let mortgage is the ability to generate rental income from your property. This income can help cover mortgage payments, making it a financially viable option.

Retain Your Property: You can keep ownership of your property while you’re away because you can’t occupy it as your primary residence. This allows you to maintain the long-term investment in your home.

Flexibility: Consent to Let mortgages provide flexibility for homeowners who need to move due to work, travel, or other personal reasons. It allows you to adapt to changing circumstances without the need to sell your property.

Avoid Selling Costs: Selling a property can be costly in terms of agent fees, legal fees, and other transaction expenses. A Consent to Let arrangement eliminates these costs, as you’re not selling the property.

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Consent to Let
Consent to Let Residential Mortgage

Short-Term Solution: Consent to Let mortgages are often a temporary solution, ideal for situations where you plan to return to your property in the future. It’s a short-term strategy for managing your property while you’re away.

Avoid Repayment Penalties: Some standard mortgage agreements may have early repayment penalties if you decide to sell your property or change the mortgage terms. With a Consent to Let mortgage, you can avoid these penalties.

Maintain Credit History: By keeping your existing mortgage active and making regular payments while renting out your property, you can maintain a positive credit history and potentially secure better financial opportunities in the future.

Security and Peace of Mind: Knowing that you can return to your property at a later date, provides peace of mind and a sense of security, especially for expats and those relocating temporarily.

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UK Expat Mortgage Application Process

Helping You Through the Expat Mortgage Application Process

Most high street lenders lack expat mortgage options and support structures for Expats or Foreign Nationals seeking finance. This is where a specialist UK expat mortgage broker is usually necessary to ensure your application meets the right criteria and is directed to the appropriate lender. Any available mortgage product will depend on your specific circumstances.

Our consultants and dedicated support team will guide you through the entire UK mortgage application process. We'll identify all of the requirements, including income and visa status. We help reduce disruption, contain your costs, and save you time.

We’re here to Save Time and Take Away the Stress

  • We work with the lender to present your case and ensure an underwriter doesn’t make assumptions based on the fact you live and work abroad or have only recently moved to the UK.

  • We can talk you through the process on how best to present your mortgage application.

  • As a completely independent team of expat mortgage specialists – we have no obligations other than ensuring you receive the best and most valuable service from our team.

  • We can help you secure a more favourable rate when exchanging money across borders.
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Consent to Let Case Studies

Learn about how our expert team helped expats and foreign nationals attain Consent to Let on their Residential Mortgage in the United Kingdom, despite difficult or complex circumstances.

VIEW MORE CASE STUDIES
Case Study – Consent to Let Residential Mortgage For British Citizen Moving To The Persian Gulf

Read this great case study on how Liquid Expat Mortgages helped a British Citizen moving from Birmingham to The Persian Gulf

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Case Study – Consent to Let Residential Mortgage For European IT Commuter

Read this great case study on how Liquid Expat Mortgages helped a European IT Commuter secure a Consent to Let Residential Mortgage in Manchester.

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Case Study – Consent to Let Residential Mortgage for US Citizen Buying in London

Read this great case study on how Liquid Expat Mortgages helped a US Citizen buying in London to secure a Consent to Let Residential Mortgage.

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Liquid Expat is your Specialist Expat Mortgage Broker

Liquid Expat Mortgages has been providing expat mortgages since 2007. Our many years of experience and relationships built up with lenders means that we can find the very best mortgage for your needs.

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Liquid Expat Mortgages Testimonials

Hear from some of our clients about their experience with Liquid Expat Mortgages.

Buy to Let Mortgages for Expats testimonial

­ I would like to thank you and the other behind the scenes staff at Liquid Expat for all your professional help with obtaining a mortgage for us which enabled us to make the purchase of this buy to let property.

Ephram / UK Expat in Israel
Buy to Let Mortgages for Expats testimonial

­ Buying a property overseas is not a stress free process, but Liquid Expat Mortgages has been instrumental in reducing my level of stress and ultimately securing a mortgage lender for me in the United Kingdom.

M.C / Foreign National in Hong Kong
Buy to Let Mortgages for Expats testimonial

­ I would like to commend the excellent support we received in our recent recent buy to let remortgage application which proceeded faster than we could have hoped. She kept us fully in the picture throughout.

R. Green / UK Expat in Portugal
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Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.


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Safina Saddique
52 days ago
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We had an excellent experience with Raja Majeed at Liquid Expat. From start to finish, he was professional, knowledgeable, and incredibly supportive throughout the mortgage process. He kept us updated every step of the way, explained everything clearly, and was always available to answer our questions, making what could have been a stressful process feel straightforward and manageable. Raja’s attention to detail and dedication gave us confidence throughout, and he worked hard to ensure everything progressed as smoothly as possible. We truly appreciated his patience, honesty, and commitment to achieving the best outcome for us. We would highly recommend Raja Majeed and Liquid Expat to anyone looking for expert mortgage advice and outstanding customer service. Thank you for all your help!
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Leonarda and Callum H.C
150 days ago
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I’ve had a great experience working with Liquid Expat who helped me on an expat remortgage. Joe and Liam provided great service and helped me through the whole process. I would definitely recommend to anyone needing a mortgage
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Heather Mitchell
238 days ago
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My experience with Liquid Expat Mortgages was outstanding. I was incredibly lucky to be allocated Julie, who went above and beyond throughout the entire process. She even stayed up past midnight on one occasion to help move things forward and offered not just professional support, but emotional reassurance too—something that made a real difference in what was a high-pressure situation. Julie is exceptional with complex mortgages and has strong relationships across a wide range of banks, which enabled her to expedite things quickly and smoothly. I’d thoroughly recommend her to anyone looking for expert, committed support with expat or cross-border mortgage needs.
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Tony M
274 days ago
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Fantastic experience. John and Vanessa have been amazing. Despite our case being more complicated than most, their diligence, perseverance and professionalism at every step of the way meant we were able to secure a mortgage and proceed with a property purchase in the UK as expats from a distance. Their communication is a key strength and one of the main reasons we have now used them twice and recommended them to others. If you are an expat struggling with finding a mortgage - don't waste your time trying to deal with anyone else.
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Peet Kok
280 days ago
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Joe and his team were great. So helpful and professional. Highly recommended for anyone in need of a mortgage, especially if more complex and challenging circumstances apply.
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Hailey Luk
443 days ago
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The entire mortgage approval process was impressively quick — it only took around three weeks to complete. Although there was a small misunderstanding at the beginning, it was resolved very promptly. A big thank you to Vanessa and Kenneth for providing regular updates, following up closely throughout the process, and helping to resolve any issues along the way. Their professionalism and responsiveness made the experience smooth and reassuring. Truly appreciate all your support!
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Optimistic
472 days ago
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David: I can rightfluly say that your swift work was life changing- Thank you. David even called on Saturday to break a good news so that we can enjoy and spend a happy weekend *( instead of full of anxiety weekend)... and in just few days and at the incredible rate. It was soo good and soo quick and such a great rate, that I started to even doubt if its real. Its all real- best happiest experience with David and the team. Huge thank you. It goes in a bucket of happy memories.
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H Coops
594 days ago
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Excellent service from start to finish with Liquid Expat! Vanessa and Ian made the process of buying a property in the UK while living abroad completely seamless. Their communication has been outstanding, always responding promptly to any queries we had and keeping us informed every step of the way. Highly recommend their professional and efficient team.
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Bally Binji
637 days ago
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An incredible service offered by Liquid Expat Mortgages. David Mowatt totally 'saved my life' with the practical advice and guidance he gave me. He called me within 10 mins of me uploading my details and immediately started to give ideas on what I could try. He then even suggested contacting my existing provider and asking for a 6 Month Payment holiday - which they then granted! I cant thank you enough David for such a gracious, self less act. I shall have no hesitation to recommend your services and come back for any mortgage assistance in the future.
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Paula Fielding
727 days ago
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Absolutely top class and very professional service from Philip Clarke and Vanessa Govender with a real personal touch. Both have been extremely helpful, efficient, kind and courteous and have really put me at ease and done their absolute best to help me attain a mortgage. I hugely appreciate their efforts and assistance and highly recommend them both for recognition in their company and to anyone seeking an expat mortgage.

Your guide to expat mortgages

As a specialist expat mortgage broker based in the United Kingdom, we can guide you through even the most complex overseas UK mortgage or remortgage process.

With over a decade of experience, we can quickly assess your case and then immediately place you with the most suitable lender and the best possible terms to suit your personal circumstances.

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