Consent-to-let Help for Market Harborough Building Society

Market Harborough Building Society consent to let: Q and A’s

• I am wanting to email my lender Market Harborough Building Society setting out the following logic for my request for consent to let ; "I am having difficulties paying the mortgage and wish to move to a smaller property but can't sell. I wish to avoid failing to make payments and have thought about returning the keys. If you granted consent to let this will likely solve matters." What are the chances that this will result in a positive response?
• I am in possession of a mortgage offer from Market Harborough Building Society, but we hit a brick wall. My husband is the deputy head in a boarding school, whereby living quarters is a benefit of the job. We wish to buy a studio flat to get on the ladder, and rent it out while we're based at the school. I had thought Market Harborough Building Society would be willing to give consent to let from the outset of the loan. It transpires that we may be refused consent to let. Can you give me any advice?
• I'm looking to remortgage my garden flat, currently occupied with tenants under consent to let from Market Harborough Building Society, onto a BTL rate as we will not be moving back into it now since we have our family home. So, I'm assuming I need a specialist financial adviser for this and I am not really familiar with what is available in this area. Can you recommend a good broker service specialising in BTL?
• My fiance and I are expecting any day now a mortgage offer from Market Harborough Building Society for a two bedroom flat. I have applied via a broker. It is a capital and interest mortgage. I wonder what is the main criteria Market Harborough Building Society adopt in order to grant borrowers consent to let? Is consent to let based on the rental yield of a property?
• We have already let but only just dawned on us that Market Harborough Building Society should've been advised and consent to let applied for - can this be obtained retrospectively?
• In the event that I was successful in obtaining consent to let from Market Harborough Building Society, could I sell during the consent period? Is it possible that I would incur any penalties?
• I recently completed on a garden flat in Waltham Forest. I am first time buyer. I am moving Belfast next month, can I get consent to let from my lender Market Harborough Building Society or do I have to wait six months?
• Is consent to let a cheaper way of becoming a landlord? Isn't this a loophole for some borrowers to exploit?