Consent-to-let Help for Banks and Clients plc

Questions and Answers: Banks and Clients consent to let

• Under what scenarios will consent to let for a property be issued via Banks and Clients? How long do you have to have had the mortgage before consent to let can be obtained from Banks and Clients? By way of background I am a young accountant in a home purchased a few months ago. The ideal job offer involving moving to Southwark permanently has arisen. I would be looking at applying for consent to let initially to be able to renting the property out to offset the expense of the Banks and Clients mortgage.
• me and my wife recently sorted our rates for another fixed five years with Banks and Clients. Some weeks later, I attended an interview and basically I accepted the job offer in Brent. I'm going to rent a one bed flat for the family in Southwark as we don't want to sell the house and moreover we might come back before two years.... We really have no idea how things will go. We called Banks and Clients but we would appreciate your take on the situation. Is it possible to obtain consent to let in that case as we just got a fixed 5 years rate we would not want to swap this.
• I am looking for some preliminary feedback as to whether consent to let is a viable option. I completed the purchase of my apartment 8 months ago by transferring an existing Banks and Clients mortgage product. My fixed rate ended three months ago. I'm currently considering moving in with a new partner who has his own property and mortgage also with Banks and Clients, which I would not seek to be added to. I don't wish to sell my property yet because I'm unsure of whether the new move will work out. I don't want to transfer to a B2L mortgage yet for 2 reasons: 1) I need to find out whether letting my property is a viable option for myself and 2) I need to raise extra capital to satisfy the 65% LTV ratio required for a BTL loan. It would be preferable to obtain consent to let from Banks and Clients for 1-2 years in order to be more secure in becoming a possible landlord and to generate the capital. If at the end of the consent to let period I was unsure I would probably either sell my property or, depending on the new relationship working out, move back to it.
• Me and my husband are soon to send the remaining information to our IFA for them to proceed with our mortgage application to buy our first property together. My husband has another flat in 1999 which he co-owns with his brother. That flat was and continues to be rented out in the absence of consent to let from Banks and Clients. Fast forward to our application - our broker requested info on the Banks and Clients mortgage. If we admit about the lack of consent to let by Banks and Clients will it materially impact the chances of getting a mortgage?
• I have a mortgage with Banks and Clients on a 2 year fixed term contract. I could have chance of a teaching post abroad next July. Am I eligible for consent to let via Banks and Clients were I to accept this opportunity abroad?
• Am I required to wait for consent to let to be issued on my prevailing residential mortgage with Banks and Clients before applying for a resi mortgage on a new property?
• Would a prior extension to a mortgage term with Banks and Clients work against us when we applied to Banks and Clients for consent to let.
• We need to contact Banks and Clients to enquire about renting out my home. Do they post a document to me. Can I not get this from the site?