Consent-to-let Help for St James Place Bank

Sample questions relating to St James Place consent to let

• I have a shared ownership home in Croydon and will be looking to buy out the rest of the property. However, in the future I may be working in Kenya for a short period of time so would like to know what approach St James Place take to consent to let as I am considering a remortgage with them. I am not sure if a mortgage can be obtained on my property but in the meantime can you provide further advice on their consent to let criteria?
• Can you explain "consent to let" to me? I live in a 1 bed flat and its in good condition. It is on the market and I am struggling to sell. This is because my neighbour is noisey. I have had to put it on the disclosure form. I am with St James Place on a standard variable rate. It has been suggested to me that I should get consent to let from St James Place and let the property to tenants.
• I have just been presented with a once in a lifetime job opportunity for 6 months in Denmark. I have enough money to meet the monthly St James Place mortgage however the block insurance stipulates continuous residency in order to be valid. Last December the roof was damaged but repaired. Should there be any problems during the winter months I would struggle to cover the repair costs. Would I be eligible for consent to let via St James Place for the time I am abroad?
• I took a mortgage out on a three bed flat last November however I will be working outside of commuting distance of Hackney in the medium term but hope to find work closer in the long term. Given I have not had property long I will lose money if I sell and do plan to return to Hackney so would like to keep it. How likely are St James Place to allow a consent to let and what are the financial implications ?
• I’ve already been told to write a letter to St James Place to obtain consent to let, I'm just trying to find some guidelines on the letter? What I should or shouldn't include?
• I already have a mortgage with St James Place, but I will soon to need move out for around a year as we need to be nearer to my partner's mother. Will St James Place issue consent to let?
• I would like to know if I have a domestic mortgage with St James Place and decide to rent it out, does the rate increase and are there any supplemental charges for obtaining consent to let.
• I currently have my mortgage with St James Place and have been for the past twenty months and I am at present just wanting some insight as to whether gaining a consent to let is likely.