What does Fraser Bond do?

Fraser Bond is a London property consultancy established in 1983. We provide residential and commercial real estate services including agency, lettings, investment, development consultancy, property management, lease advisory, valuation, and portfolio management to private clients, companies, institutions, and governments in the UK and internationally.

Does Fraser Bond help with property investment in London?

Yes. Fraser Bond has a dedicated Central London investment agency team covering all aspects of acquisitions and disposals, including securing funding and sale-and-leaseback arrangements. We have completed transactions worth over ten billion pounds.

Does Fraser Bond handle commercial property?

Yes. We provide commercial property agency, management, development consultancy, lease advisory, business rates advice, tenant representation, and expert witness services across office, retail, industrial, and alternative commercial sectors throughout the UK.

Can Fraser Bond manage my property portfolio?

Yes. Fraser Bond provides full portfolio management for residential and commercial property portfolios, including lettings, asset management, performance reporting, and disposal strategy for private and institutional investors.

Does Fraser Bond assist overseas investors buying UK property?

Yes. We have a dedicated international real estate service for overseas and foreign clients seeking to invest in UK property. We identify opportunities, guide the acquisition process, and provide ongoing management.

Does Fraser Bond carry out property valuations?

Yes. We provide RICS-compliant valuations for residential and commercial properties for acquisition, disposal, loan security, insurance, tax, and accounting. Contact info@fraserbond.com to arrange a valuation.

How do I contact Fraser Bond?

Fraser Bond is located at 60 Blandford Street, Marylebone, London, W1U 7JD. Call us on +44 (0)20 4519 3989 or email info@fraserbond.com. You can also use the contact form at fraserbond.com/contact-us.

Consent to Let Refused? Your Options

Updated October 2026 · Fraser Bond

Landlords · Mortgages

Lender said no to consent to let?

Askwhy

Remortgageto buy-to-let

Lodgeroption

Rentstress test

In short: Lenders can refuse consent to let if you are in a fixed rate period, have arrears, have not owned the home long, or the expected rent is too low. Letting anyway would breach your mortgage terms. Your main options are to remortgage to a buy-to-let mortgage, wait and ask again, take in a lodger while you live there, or sell. Fraser Bond can give you a rental valuation to support a buy-to-let application and then let and manage the home.

Your options

Ask the lender to explain the refusal. A written rental valuation and a clear reason for moving, such as a job relocation, can help.

Will the rent pass a buy-to-let test?

Many lenders want the rent to cover the mortgage interest by a set margin, at a notional "stress" rate.

Buy-to-let rent check

Loan amount (£)

Stress interest rate (%)

Required cover (%)

Expected rent (£ per month)

Rent needed (£ per month)–

Your rent vs needed–

Lenders' tests vary. A broker can confirm what each lender requires.

Before you apply again

Get a written rental valuation
Check early repayment charges
Speak to a mortgage broker
Budget for landlord insurance and safety certificates
Check council licensing for your area

How Fraser Bond can help

Free rental valuation for your lender or broker
Tenant finding once consent or a BTL mortgage is in place
Full management
Sales valuation if you decide to sell

Frequently asked questions

Keep exploring

RENTING GUIDE
How to Rent an Apartment in London: What to Check FirstRENTING GUIDE
When Can a Landlord Keep Your Deposit? Your Rights in EnglandRENTING GUIDE
Weekly to Monthly Rent Conversion: The Right Way to Calculate

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Why do lenders refuse consent to let?

Common reasons include a short time since purchase, arrears, a fixed-rate period or rent too low to cover the mortgage.

Can I let without consent?

It would breach your mortgage terms and could invalidate insurance. Don't do it.

Is a lodger allowed?

Usually, if you still live there. Check your mortgage and insurance terms.

Can Fraser Bond give me a rental valuation?

Yes, free of charge.

Need a rental valuation for your lender?

We'll provide a written figure based on local lets.

Get a free valuation Speak to our team

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Consent to Let Refused by Your Lender? Your Options

Your options