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Need professional advice for your consent to let with Hampden & Co plc? There are various implications when it comes to letting out your property with an existing residential mortgage - you should seek professional assistance.

Hampden Consent to Lease Example Support Desk Enquires

  • Can Hampden invoke a right to put a loading on my interest rate on a standard mortgage that has just been approved for Consent to Let at any time, onto ‘rates akin to their Buy to Let products'?

  • I have my three bedroom second floor purpose built flat in Harrow on the market but despite a couple of viewings there is a lack of interest so far. As a fall back position I am considering leasing out the property if cant find a buyer. I dont anticipate a problem getting consent to let from the freeholder. My mortgage broker says that in such circumstances I may have to switch to a buy to let mortgage yet I probably don't have sufficient equity. What's the worst that could happen if I were to retain the existing Hampden home loan and rent out the flat without informing them. As long as the mortgage is being paid in full and on time, why would they care or check?
  • I have a Hampden mortgage on a flat I own, in Brent. Last month, due to a change of personal circumstances I decided to let out the apartment, and rent a house in a different area within same loc. The personal situation that changed is that my partner moved in, and the flat is too small for our needs. I do not want to try to dispose of the flat because the current market value is 15% less than when I purchased the flat in 2004. I contacted Hampden for a consent to let which was turned down because they felt that I wanted to invest in the flat. The whole process was very confusing. There is a sense of urgencyas I have a prospective tenant waiting for this consent to let and could pull out.Many thanks
  • I wish to know what the criteria is for Hampden for consent to let. I have heard various suggestions in relation to fees and rates. I need to relocate for career reasons but can not sell the house due to a difficult market.
  • Last month I got married and I am in the process of buying out 100% of my co-ownership mortgage with my wife. As a result we have now been given a 90% loan to value on our house. We want to buy a larger home. Will it be possible to get a consent to let on my new mortgage with Hampden to allow us to get a mortgage also with Hampden for a new home?
  • I am looking at new mortgages and also thinking of renting the property in the future - Is there a cost with Hampden to receive consent to let and what are the requirements?
  • My mortgage has been with Hampden for six years. I would like to apply for consent to let my home. I have been waiting for a response from Hampden. Could you please check and help?
  • I have a mortgage with Hampden but would like to lease my house out and move in with my fiance and baby what would I have to do to obtain consent to let?