Consent-to-let Help for Investec Bank plc

Investec consent to let: Q and A’s

• I'm about to apply to Investec for consent to let out my house in Investec. However I have put the house on the market but there is no interest and forking out for a full mortgage, council tax and insurance on an empty house is hurting financially. How are Investec going to react if I have the house on the market?

• I have a studio flat in Barnet let out which has a 62 year lease. Mortgage broker suggested I should remortgage (currently with Investec) as a buy to let instead of consent to let and release 45-55k which on top of a new mortgage based on my income would give me a budget of £195k. Not much about in Islington for me to get my own place. To extend the lease will be in region of 19k. Not sure sure whether to hold on or sell the flat?
• My husband and I currently live in Melbourne and leasing out our property in Hillingdon. This was unplanned but an opportunity arose and we took it. The rental income is insufficient to cover the mortgage so we transfer funds each month to make up the shortfall. Anyway this morning I got a letter in the post from our lender informing me that as the property is being let out and has been for almost four years we will have to pay 1.5% interest on top of our current mortgage rate. We could sell the flat but this will be difficult as I am on the other side of the world. Would it be possible to remortgage with Investec and get consent to let?
• We have a standard variable mortgage with Investec that we are having problems negotiating consent to let due to being in New York and leasing the apartment such a long time ago without their approval which we did not know was required. We have a 38% LVR and have been making overpayments of £500pm for three years so we are not in arrears. We are willing to change onto a BTL rate with Investec at a jacked up rate yet we haven't been given that as an option.
• I’m about to finish the fixed rate period of my three year fix with Investec and change on to the current variable rate. I would like to know whether consent to let by Investec is likely, if there are cost, and if there are time limits?
• Investec - consent to let potential. Do you have experience of the process with this lender? Do they have a minimum period prior to changing and is it possible that I would be required to make a cash injection to reduce the LTV?
• I am planning on relocating inside the next nine months and would like to rent my flat out. My current rate is fixed with Investec. I am worried a 1% increase would be too much if that was a condition of receiving consent to let
• One year into a homeloan with Investec due to work reasons need to relocate. Do you think I can get buy to let or consent to let.