Consent-to-let Help for Handelsbanken

Recently asked questions relating to Handelsbanken consent to lease

• In what situations will consent to let for a property be issued from Handelsbanken? How long do you have to have had the mortgage before consent to let can be negotiated with Handelsbanken? In order to give you some perspective I am a newly qualified accountant in a house bought last July. The perfect job opportunity involving moving to a different city permanently has arisen. I am looking at procuring consent to let in the first instance with a view to renting the property out to cover the expense of the Handelsbanken mortgage.
• My husband and I live in a matrimonial home where we have numerous vacant rooms. We are looking into the prospect of running an holiday let style business to let half the property out on a check-in and check-out arrangement. Are you aware if this kind of thing permitted in accordance with Handelsbanken’s consent to let protocol?
• We have an existing mortgage with Handelsbanken and need clarify if it would be possible to seek consent to let out our one bedroom apartment in Merton.

  The purpose for wishing to find tenants for the property are are due to: -

  • Me and my wife will be moving to Melbourne early next year.
  • In letting out the house this will facilitate savings to support the migration process.
  • There is little merit from a monetary point of view to pay outright for a property which we are not residing in and by letting out the home this would be viewed as continuing investment.

  If Handelsbanken agreed that we are able to proceed with renting we would suggest some financial assurances to include: -

  • Continue to pay the monthly mortgage payment directly from my current account.
  • Retain the services of an accredited letting agent who will provide a rent guarantee scheme as a further financial safeguard.
  • Provide our forwarding address for when we relocate.
• I'm looking to apply to Handelsbanken for consent to let on my existing residential property in Camden. I am hoping to draw down equity from my existing property before doing so, and using that money to acquire a further residential property. I will move into that house whilst doing it up for six months after which the intention is to sell it then move back to my current house. Is this something Handelsbanken will consider consent to let for or does this fall outside the standard criteria?
• I'm gathering some information on whether consent to let is something available to me? We have a mortgage with Handelsbanken and are thinking of leasing the property out for a couple of years, but cannot really afford to switch to a buy to let mortgage. Is consent to let a viable option rather than to switching to a buy to let rate?
• I was just enquiring if Handelsbanken would issue me with consent to let and what kind of fees, penalties and new rates etc
• I am just finding out some information at this stage. My boyfriend has asked me to move in with him and i'm not keen to sell my property just yet. So now I want to know what I would need to do to get consent to let from Handelsbanken
• We took out a mortgage with Handelsbanken a few months ago and although it's only a possibility we may have to relocate around next Spring and would like to be able to rent our apartment out. Would this be possible with a non-commercial mortgage?