Buy to Let - Hampden Conveyancing Requirements for Properties Let at Completion

Hampden conveyancing instructions are explicit in Part 1 of the CML Handbook which provides that unless it is clear from the mortgage offer that the property is let or is to be let at completion then you must check with Hampden as to whether Hampden lend on "buy-to-let" premises and that the mortgage is for that purpose.

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Previously updated on 20/02/2020 Section Two of the UK Finance Lenders’ Handbook for Hampden deals with who you need to contact If different from section 1.11, i.e the contact point if property is let or to be let. It also deals with whether Hampden lend on buy-to-let

See 1.11

In situations where the residence, or part of it, is currently let, or is to be let at completion, then the letting must comply with the details set out in the Hampden mortgage offer or any consent to let Hampden issue. If the letting fails to comply, or no such details are mentioned, you must notify the position to Hampden

Part 2 of the UK Finance Lenders’ Handbook for Hampden specifies who you must contact If different from 1.11, i.e the contact point when you do not have details of current letting or letting to take place at completion:

See 1.11

Property lawyers on the Hampden solicitor panel,when it comes to buy to let properties need to check Part 2 of the UK Finance Lenders’ Handbook as to whether counterparts or certified copies of all tenancy agreements and leases in respect of existing tenancies must be sent to Hampden after completion

In considering whether the bank requires a certified copy tenancy agreement to be sent Hampden says:

Please retain with the title deeds.

The information contained within this webpage is for general information purposes only for lawyers in England and Wales, it does not constitute advice and you should always check the UK Finance Lenders’ Handbook for Hampden Buy to Let requirements as well as the mortgage offer. Whilst we endeavour to keep the information up to date and correct but does not make any representation or warranties of any kind about its completeness, accuracy, reliability or suitability. Any reliance you place on the information is strictly at your own risk. Lexsure will not be liable for any direct or indirect loss or damage arising out of or in connection with the use of this information. The same caveat applies to members of the public looking at this page. If you wish to find a buy to let conveyancing specialist on the Hampden panel or a buy to let mortgage broker click here.