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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.

Sample questions relating to Hampden consent to let

  • A friend of mine has rented her property from the same landlady for almost 18 months. For the past year my friend has received letters from Hampden (she hasn't opened them-it is clear from the envelope). At first she forwarded them to her landlord’s address. I was a bit suspicious as none of her landlady's post was supposed to be going there. I decided to go to my friends house and called Hampden on her behalf. The lady I called at Hampden asked all sorts of questions, the landlady's name her current address, the tenant's details and then said they would investigate whether she had the correct mortgage and if she didn't it was an offence with no consent to let. Should my friend be concerned?
  • I have a residential loan with Hampden. I wish to purchase a further property and my financial adviser suggested I apply for a consent to let. As far as I am aware they would only accept the consent to let if I have the intention to go back to my current home. Your view would be appreciated?
  • Much to my surprise I have been offered a once in a lifetime job opportunity for 9 months in New York. I have enough money to meet the monthly Hampden mortgage however the buildings insurance requires that the property must be occupied in order to be valid. Last winter the roof had some leaks that were repaired. Should there be any problems through the winter months I would struggle to cover the remedial works. Would I be eligible for consent to let via Hampden for a limited period?
  • My partner and I currently live in NYC and renting out our apartment in the UK. This was unplanned but an opportunity presented itself and we took it. The rental income is not enough to cover the mortgage so we send back funds each month to make up the shortfall. Yesterday I got a letter in the mail from our lender informing me that because 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 the flat but this will be difficult as I am so far away. Could we remortgage with Hampden and get consent to let?
  • I have a Hampden home loan currently and potentially wish to let it out temporarily with consent from Hampden for (eighteen months). How long does it take to obtain consent to let?
  • I am seeking from Hampden consent to let out my house in Haringey. I am planning to move in with my mother as I am off work through illness.
  • I have Hampden mortgage and am considering renting out the property. I understand I would need a consent to let to do this...is that correct ?
  • I'm looking to find out more about consent to let from Hampden. Would a valid reason be parking problems and the house is too to small for me?