Consent-to-let Help for Hampden & Co plc

Questions and Answers: Hampden consent to let

• My query does not specifically concern consent to let, I was enquiring as to whether you have an address or telephone number for a dedicated Hampden help desk who handle consent to let applications. Hampden has a first charge over my house.
• I have been reckless in not informing Hampden that I’m leasing my maisonette out. The latest tenants have left the place in a state and I need to claim on malicious damage. I’m afraid that my insurer will contact Hampden, and secondly if they do inform them, what are they likely to do given the absence of consent to let?
• Am I obliged to notify Hampden of my plan to rent a shed out on the grounds of my property. Can you shed any light on this? I am taking independent advice on the insurance, legal and tax side of things .
• I have had a Hampden mortgage for just under eight months but I recently found out I will soon lose my job. I would appreciate some how to go about securing consent to let from Hampden
• We have a new mortgage however my girlfriend doesn't feel safe in the property due to other tenants in the block. I know that many lenders have a half year rule before consent to let - does this apply to all lenders. Is there any way Hampden would allow it from day one?
• Are you able to shed light what the procedure would be if we purchased a new property and need to apply for consent to let for our existing mortgage with Hampden
• Me and my husband spoken to someone at Hampden about switching our current mortgage to consent to let (the existing fixed rate comes to an end in september next year). Can I just confirm that I need to formally put the request in writing explaining our change in circumstance to Hampden? Where do I need to post it to?
• Are you aware if there is normally a maximum loan to value amount before Hampden will give consent to let?