Consent-to-let Help for Birmingham Bank

Frequently asked questions relating to Birmingham Bank consent to lease

• I was wondering if you could please providing me some advice on what the procedure is for applying for content to let, what do I need to do. I am thinking about taking a Birmingham Bank mortgage on a £200,000 house in six months time. The intention is to hold the house as a second home but I would like to know what options are open to me to let the property in the future. If our circumstances were to change the property would either be sold or rented.
• I previously got consent to let from Birmingham Bank two yrs ago but never used it and have since remortgaged to another bank. I recently asked for consent to let. I was told it would be authorised since I met the criteria. However I received a letter informing me that I must provide evidence from the DWP evidencing that that are aware of my current situation before they can provide authorisation. They said this is policy but I have not been able to find these conditions on their site. I did complain about the insinuation that I might intend to continue to claim help with interest from the DWP whilst receiving rental on the property. They apologised and offered to deposit £40 in my account . However i still am unable to locate this term and condition and i feel this is otherwise inappropriate I want to let my property as a way of releasing me from redress to social benefits not in order to continue with them
• My partner and I currently live in NYC and letting out our flat in the UK. This is not something we planned but an opportunity came up and we took it. The rent we make on the property is insufficient to cover the mortgage so we send back funds each month to cover the difference. Yesterday I got a letter in the post from our lender telling me that as the property is being let out and has been for almost three years we will have to pay 1.5% interest in addition to our current mortgage rate. We could sell up but this will be far from easy as I am on the other side of the world. Could we remortgage with Birmingham Bank and get consent to let?
• I recently got married and my wife and I would like to buy a family home in the coming year, whilst keeping our garden flat in Lewisham we currently live in to rent out. Mortgage on the flat is with Birmingham Bank. I don't want to put myself in a situation with two residential properties only to be refused consent to let.
• I am looking to Birmingham Bank to issue me with consent to let out my home in Croydon. I am moving to look after my mother who has severe complex heart failure
• Can you explain the process for being given consent to let by Birmingham Bank? Are there specific policies for example you must have owned the property for over 9 or 12 months before its granted?
• Will Birmingham Bank issue consent to let my flat? I have an existing homeowner mortgage, never had arrears and have been with Birmingham Bank for about since 2009. What charges am I likely to incur
• I am enquiring as to whether there are any restrictions in obtaining consent to let on a leasehold property when I have a mortgage with Birmingham Bank