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Need professional advice for your consent to let with Handelsbanken? There are various implications when it comes to letting out your property with an existing residential mortgage - you should seek professional assistance.

Questions and Answers: Handelsbanken consent to let

  • My friend has let her house off the same landlady for nearly 18 months. For the last year my friend has received letters from Handelsbanken (it is apparent from the envelope). Inititially she reposted them to her landlady's address. I was a bit suspicious as none of her landlady's post was meant to be going there. I decided to go to my friends house and called Handelsbanken on her behalf. The lady I called at Handelsbanken asked all sorts of questions, the landlady's details, information relating to the tenant 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. What does this mean for my friend?
  • Nine months ago my bank (not Handelsbanken) issued me with consent to let. The condition was that every 6 months they would add a fee of half a percent of the outstanding mortgage amount. Having the first few payments they have omitted to make the charge in recent months. Should I be worried that this means that my consent to let has been canceled .
  • My house had been let to students for three years from 2009-2012 while employed overseas. I have a letter dated June 2010 from the building society granting consent to let. In the letter it explicitly states that the consent to let is valid for "the remaining term of the mortgage". I have not changed product since the letter was sent. I now plan to move house and rent out my existing house. However, my mortgage advisor has suggested that the 2010 consent to let letter may not be sufficient for the new lender Handelsbanken for the property I intend to purchase.Can this be right
  • I have a normal mortgage on a garden flat in Camden but have rented it out without making Handelsbanken aware of this. I now need a consent to let letter. How can I get one?
  • When it comes to consent to let from Handelsbanken am I obliged to inform them every time we get a new tenant and post them a duplicate of the AST?
  • My mortgage company refuse to issue consent to let until I have a move in date confirmed with a tenant. How can I confirm this whilst lacking consent to let? I am not certain but I think my friend had a similar issue with Handelsbanken.
  • Will Handelsbanken choose to exercise a right to convert the rates on a domestic mortgage where Consent to Let at any time, onto ‘rates equivalent to their B2L range'? Is it possible to remortgage on a consent to let with Handelsbanken?
  • Will Handelsbanken give consent to let my property? I have an existing homeowner mortgage, never had arrears and have been with Handelsbanken for nearly four years now. What costs am I likely to face