Consent-to-let Help for Scottish Widows Bank plc

Frequently asked questions relating to Scottish Widows consent to lease

• My friend has been renting her property from the same landlord for almost 2 years. Over the last twelve months my friend has received letters from Scottish Widows (it is apparent from the envelope). To begin with she reposted them to her landlord’s address. My suspicions were aroused as none of the landlord’s mail was supposed to be going there. So I went to my friends house and called Scottish Widows on her behalf. The guy I spoke to at Scottish Widows asked all sorts of queries, the landlady's details, information relating to the tenant and then said they were going to investigate whether she was entitled tolet out the house or if it was an offence with no consent to let. Can you shed anymore light on this?
• As things stand we have a three year fixed term home loan with Scottish Widows that we're about 12 months into. Our situation has now changed and we wish to let out our house for a year and move to another town. How do we mitigate the possibility of Scottish Widows rejecting consent to let.
• My house had been tenanted for three years between 2010-2013 while employed abroad. I have a letter dated January 2010 from the lender 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 satisfy the new lender Scottish Widows for the house I intend to purchase.Your view would be appreciated
• My mortgage is with Scottish Widows and wonder if I am duty bound to disclose if we no longer live in the property. I fear that they may up the interest rate if we move and find a tenant but it's far from obvious what the change would be. If I decide to rent my property out and seek consent to let how would the payments go up?
• My OH and I were enquiring if it's possible if you own one property with consent to let from Scottish Widows, to purchase another with a domestic mortgage to live in. Then once the consent runs out on the first property, to convert to buy to let or sell it?
• I have recently got married and I am in the process of buying out 100% of my co-ownership mortgage with my wife. As a result we have now been given a 90% loan to value on our house. We want to buy a larger home. Will it be possible to get a consent to let on my new mortgage with Scottish Widows to allow us to get a mortgage also with Scottish Widows for a new home?
• I have tenants ready to move in and I have mortgage offer from Scottish Widows on new house on condition of consent to let for original house. How long should it take to receive letter once I send back a completed application with cheque.
• We took out a mortgage with Scottish Widows a few months ago and although it's still early days we may have to relocate around next Summer and would like to be able to rent our flat out. Would this be possible with a homeowner mortgage?