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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 let: Q and A’s

  • I have a two bed leasehold flat with a Hampden mortgage and have a lodger in the 2nd bedroom. I have decided to relocate to Ealing and will rent there. My lodger has asked to remain and has agreed to pay a higher rent. Am I obliged to ask for consent to let via Hampden?
  • We have a fixed mortgage with Hampden (with just over two years remaining) but due to redundancy want to move away from NW London (actually to a new job in Holland) and so want to let the property out. We are keen to avoid the expense of an early redemption fee and understand that some lenders happily provide this 'consent'...what is the approach adopted by Hampden?
  • Due to a change in family circumstances my wife and I are moving to my mum and dad’s house while they are away and letting our flat out. What is best way to approach my mortgage lender for a 'Consent-to-Let' ? We will need to remortgage in the next year will we then transfer to a BTL product. We intend to return to our home at the beginning of 2017?
  • I bought a garden flat in Brent twelve months ago and have a 2 year fixed rate mortgage with Hampden. Looking to move in with my other half next month and wish to lease out my property. Just want to know the process.
  • My OH and I are the registered owners of a property in Liverpool with Hampden and am moving to rent a property in Cardiff due to work. Is consent to let from Hampdenpossible? I am only looking to lease out the flat for six to nine months before selling.
  • How easy is it to obtain a consent to let from Hampden and what are the fees? If I want to let out my property for two months how easy is it to fluctuate between a residential mortgage and consent to let?
  • My two year fixed rate with Hampden is due to end next month I will move on to the current variable rate. Can you tell me whether consent to let by Hampden is a foregone conclusion, if there are cost, and if there are time limits?
  • What are the implication if I have already let the property for some years as an HMO and now wish to legalise the situation with Hampden by obtaining consent to let ? (work on the basis that Hampden had in the past given a residential mortgage in the past)