Consent-to-let Help for Handelsbanken

Questions and Answers: Handelsbanken consent to let

• Are you able to tell me what Handelsbanken charge for consent to let out part of my two bedroom apartment? Any advice would be gratefully received.
• In what circumstances will consent to let for a property be granted by Handelsbanken? How long do you have to have had ownership of the property before consent to let can be granted by Handelsbanken? By way of background:We were living in a very small apartment which is too small for our family, my wife is also unwell and we are far away from family who could offer us a bit of relief, in the form of babysitting. I am looking at gaining consent to let in the first instance in order to renting the property out to cover the costs of the Handelsbanken mortgage.
• We have an existing mortgage with Handelsbanken and wish to clarify if it would be possible to gain consent to let out our studio flat in Enfield.

  The rationale for wishing to find tenants for the property are as follows: -

  • My family and I will be migrating to India next spring.
  • In letting out the house this will enable us to make some savings to help the migration process.
  • There is little merit from a monetary point of view to pay outright for a property which we are no longer residing in and by leasing out the place this would be viewed as continuing investment.

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

  • Continue to pay the monthly mortgage payment directly from my bank account.
  • Instruct an accredited letting agent who will provide a rent guarantee scheme as a further financial protection.
  • Provide our forwarding address for when we emigrate.
• Twenty years ago I was granted permission by the local council and my mortgage provider Handelsbanken to convert a small barn into a granny annex, conditional on it not being disposed of separately from my property. My parents died some years ago and I would now like to rent it out with consent to let from Handelsbanken. Do you think this can be negotiated?
• My fiance and I have already let but only just dawned on us that Handelsbanken ought to have been advised and consent to let sought - can consent be obtained retrospectively?
• I’m about to finish the fixed rate period of my 2 year fix with Handelsbanken and move on to the current variable rate. I would like to know whether consent to let by Handelsbanken is likely, if there are charges, and if there are time limits?
• Me and my husband spoken to someone at Handelsbanken about switching our existing mortgage to consent to let (the existing two year fix expires in summer next year). Can I just confirm that I need to send a letter explaining our change in circumstance to Handelsbanken? Where do I need to post it to?
• Will Handelsbanken grant consent to let my home? I have an existing homeowner mortgage, never been in arrears and have been with Handelsbanken for about since 2009. What costs am I likely to face