Consent-to-let Help for M&S Bank

Frequently asked questions relating to M&S Bank consent to lease

• My husband and I are interested in understanding the conditions borrowers have to satisfy before consent to let from M&S Bank is given. Do you know if there are any restrictions on who can be granted consent?
• Last month I received consent to let on a non-commercial loan with M&S Bank with the intention of changing to a buy-to-let rate when the fixed rate expires within the four months, so I'm not sure if this adds to the complexity of the issue! Any recommendations much appreciated.
• My plan is to let my maisonette out from mid June this year as I will be travelling for a few months. I have a domestic mortgage with M&S Bank. I will not be letting for more than 6 months. Most likely it will be four months. I have been told to seek permission from my freeholder first? Please can you suggest what I should be doing in what order?
• I have found myself in the accidental landlord category and failed to inform M&S Bank. I had to vacate my property for work reasons, so now live in another part of the country. At first I attempted to sell the flat, but prices were deflated, which meant I was in negative equity. This was four years ago in 2012, which has since seen the property price increase and has allowed me time to accumulate savings. I am in now in a position where I can now transfer to a BTL mortgage and would like to remortgage at the same time. My concern is, will changing mortgage providers possibly alert M&S Bank that I have been letting without consent to let? I appreciate that I shouldn’t have done what I did, but circumstances forced my hand. Any help will be greatly appreciated?
• My wife and I acquired a property in Bristol with M&S Bank and am moving to rent a property in Cornwall due to work. Is consent to let from M&S Bankpossible? I only want to let out the flat for half a year before selling.
• It is looking as though I may need to move to Miami for two years, I have a property with a M&S Bank mortgage. Do I need to obtain consent to let? Will they willing to grant this?
• Is there a set or maximum term how long I could let my home out to a family member with consent to let from M&S Bank. I no longer want to live in the area and want to buy a new home?
• I'm interested in more information about consent to let from M&S Bank. Would an acceptable reason be parking problems and the house is too big for me to run at this moment in time?