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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.

Frequently asked questions relating to Hampden consent to lease

  • My granddaughter is going to work overseas for twelve months and would like to let her flat out. She has a Hampden fixed rate mortgage on repayment and wants consent to let the property as well as transfer to interest only. What does she need to do?
  • I'm looking to remortgage our old ground floor flat, currently let out under consent to let from Hampden, onto a BTL rate as we will not be moving back into it now since we have our family home. So, I'm assuming I need a specialist broker for this and I am not really au fait with what my options are. Are you able to recommend an efficient broker service specialising in BTL?
  • For a variety of reasons I am planning to move in with my girlfriend next summer and I have let my property out to 2 students on a twelve month AST. The application for consent to let from Hampden is in hand but what if they decline. I can’t rescind on my contract in terms of not renting the students as they have all signed up. On the flip-side Hampden could sue me for contravention of a condition i.e. renting it out in the absence of consent to let.
  • My husband and I just completed on a house in Sunderland and will be moving to Devon at the end of March. I have a letting agency and tenant now. I was proposing to leave everything as it stands as I'm worried Hampden will say I have to change my mortgage rate over to a buy to let which is not economically feasible. I appreciate that it would be preferable to gain a consent to let via Hampden but am afraid if I come clean it would result in no end of issues
  • I currently have a mortgage with Hampden, but I am going to move out for around a year as we need to be nearer to my wife’s parents. Will Hampden give consent to let?
  • I was just looking into consent to let as it's something potentially I require from Hampden within the next 12 months. Our personal situation has changed, and I would like to lease my property out
  • Is it possible to negotiate a consent to let from Hampden if I have a current mortgage which has been in place for seven years?
  • Do you know if there is usually a maximum LTV before Hampden will grant consent to let?