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Need professional advice for your consent to let with Hampden & Co 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 Hampden consent to lease

  • My colleague is intent on letting his flat out on the QT without consent to let from his mortgage lender Hampden. He has been on an interest only mortgage since 2010. Currently owes £110k, having paid for the apartment for around £118k. In the absence of receiving consent to let by Hampden, exactly what sanctions does he risk?
  • Is it possible to let out our property without consent to let from our mortgage provider? I recognise that at the time we signed a form saying it wouldn't be a buy to let property and that we are not the owners of other property. I know you can't use H2B if you owned other premises at the time, but what about property thereafter? Can you acquire a further property, receive a gifted property?
  • Am I required to notify Hampden of my intention to take in a lodger. I have two spare rooms that could be used by lodgers and I was thinking that as the occupancy remains in keeping with that of the 'family' use of the property it might not require consent to let. Can you shed any light on this? I am taking independent advice on the insurance, legal and tax implications.
  • We are just about to receive a mortgage offer from Hampden for a garden flat. I have applied through Right to Buy. It is a 20 year mortgage. I am curious as to what is the main criteria Hampden adopt in order to grant borrowers consent to let? Is consent to let based on the rental yield of a property?
  • My partner and Iwant to rent out the family home and buy other. Can Hampden refuse to grant me consent to let?
  • My wife and I wish to move home and have identified a house we wish to purchase so are considering leasing out with consent to let from Hampden for our original property to enable us to make an offer and not lose the potential new house.
  • My wife and I have had my mortgage with Hampden for nine years and always made payments If I asked for consent to let would it be granted?
  • I have acquired a flat with a Hampden mortgage. However I am presently living with parents. I don't want to move in until for six months due to personal issues. In meantime can I lease out the property with consent to let?