Vision for an independent organisation to represent UK landlords20:18 PM, 16th September 2018
About A week ago 64
I took out my mortgage in 2006 with Kensington and that then changed to MX.
We unexpectedly moved to Australia on a 4 year visa (2013) and rented out our house in the UK. I spoke to MX and they sent out the letting agreement pack which was completed and returned along with our new Australian address.
Moving on 2.5 years I have spoken to MX several times to ask for my mortgage balance in case we decide to sell. Every time I ring I discuss that I now live in Australia and mention our tenants that have a 12 month agreement in place. They have my address in Australia and I have been open and honest about our tenancy agreement from day one.
We probably won’t move back to the UK but would like to pay off some more of the mortgage before we sell the house.
MX said they didn’t have an agreement in place for me to rent out the house so I raised a complaint with them as they had been sent the required information upon us departing the UK.
They sent out new forms for completion (a year later) – to the wrong address.
I rang again and they sent out more forms that have now arrived. I have completed the forms but after googling MX issues I found this website and its scary to read some of the issues.
Before I send anything back to them, I’m wondering what mortgage terms and conditions I should be following – Kensington or MX?
My original documents are in the UK but will be coming over for me to look through in December.
Any advice or help would be hugely appreciated please.
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