Finance permission check

Does your mortgage lender permit both the tenancy and purchase option?

Do not treat permission to let as permission for the whole Move to Own UK route. A buy-to-let mortgage may permit ordinary letting, but the proposed purchase option can create separate title, sale, notice, or enforcement questions. Give the lender the proposed structure and obtain a written response that your solicitor can review before publication.

Reviewed 9 September 2026 · England route

Mortgage conditions differ by lender, product, borrower, and property. MoneyHelper says an owner with an owner-occupier mortgage must tell the lender before letting and may need consent to let or a buy-to-let mortgage. An existing buy-to-let borrower should still check the actual mortgage conditions instead of relying on the product label.

Move to Own UK combines an England tenancy with a separate future purchase option. The tenant is not required to buy, and the landlord remains owner unless a valid option exercise is followed by a completed sale. Because that structure goes beyond ordinary occupation, a response dealing only with letting is incomplete route evidence.

What should go into the lender evidence file?

Prepare a small, current file that lets the lender and conveyancer answer the same question. Do not send a vague request for general approval.

Current mortgage offer, conditions, account reference, borrower names, and property title details.
Proposed tenancy structure, expected rent, intended start point, and confirmation that occupation begins under a tenancy.
Proposed option period and price method, with no claim that the buyer must exercise or will obtain finance.
Any proposed restriction, notice, assignment term, or sale constraint identified by the landlord's solicitor.
Written lender response, its scope, expiry date, conditions, fees, and named follow-up route.

A safer order for the lender conversation

Separate facts from approvals. Move to Own UK can record readiness, but lender and solicitor must decide whether the arrangement is acceptable.

Check mortgage documents for letting, subletting, sale, option, notice, and restriction terms.
Ask the solicitor which proposed option features the lender must see before giving an informed response.
Send the lender one written description covering tenancy and option rather than asking only for consent to let.
Resolve conditions or amendments and retain the final response with the version of terms it considered.
Reconfirm if material commercial terms, borrower details, property use, or completion structure changes.

When should the route pause?

Lender refuses the tenancy, option, related title protection, or proposed sale structure.
Response covers ordinary letting only and does not address the separate purchase option.
Mortgage conditions conflict with solicitor advice or required wording remains unresolved.
Landlord cannot produce current written permission matching the proposed route.

Platform boundary

What Move to Own UK does

Move to Own UK records whether lender evidence has been supplied and blocks publication when required consent is missing. It does not contact the lender as the borrower, interpret mortgage conditions, arrange finance, or state that consent has been granted.

Common questions

Is a buy-to-let mortgage enough evidence by itself?

No. It may support ordinary letting, but the landlord must check the actual conditions and disclose the separate purchase option. Evidence must match the proposed arrangement.

Can Move to Own UK obtain mortgage consent?

No. The borrower deals with the lender, supported by independent legal or regulated advice where needed. The platform only records readiness evidence.

Primary sources

Property intake

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