Need Help?

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

Recently asked questions relating to HSBC consent to lease

  • I have a residential mortgage approaching refinancing with HSBC. The house has been tenanted for a two years and I think I need to informHSBC. My understanding is that I should seek consent to lease, but since the property has previously been let out could they decline - determine that I go onto a BTL product and even fine me? There is excellent equity - 30% LTV and have never missed any payments.
  • I have a two bed leasehold flat with a HSBC mortgage and have a lodger sharing with me. I have decided to relocate to Wandsworth and will look for a property to rent. My lodger doesn't want to leave so is willing to pay a higher rent. Must I get consent to let from HSBC?
  • My gf and I might have to let out her apartment, and I have a query regarding getting consent to do so. I know I need to notify HSBC and get a consent to let or change to a BTL product. Given that the property is leasehold do we have to get consent to let from the residents association?
  • I have found myself in the accidental landlord situation and failed to inform HSBC. I had to vacate my flat for career purposes, so am now based in another part of the country. I originally attempted to sell the flat, but prices were depressed, resulting in negative equity. This was four years ago in 2011, the value has gone up and has given me time to save. I am in now in a position where I can now transfer to a BTL mortgage and would like to remortgage at the same time. My concern is, will changing mortgage providers possibly alert HSBC that I have been letting without consent to let? I am aware that I shouldn’t have done this, but circumstances left me with limited options. Have I committed a criminal offence?
  • I previously took a mortgage with HSBC, but I am going to need to get consent to let for approximately a year as my partner is unwell and is struggling to balance work with the hectic environment we are living in. We want to take a break for twelve months (by living near her parents and having their help) in a greener less hectic part of Bristol.
  • My GF is in the process of purchasing a new property in Camden and is on to a good deal as it requires some work done. We want to rent our current property for two years and then return. Is there anything in the Terms and Conditions of my HSBC mortgage to say I can let it out or do I require specific consent to let?
  • We have a mortgage with HSBC at present and just wondering if there any costs for obtaining consent to let
  • I am looking at some alternative lifestyle. I have a HSBC mortgage, if I become a non-UK resident but wish to rent my UK house, do I need to get consent to let from HSBC to do this ?