Consent-to-let Help for The Royal Bank of Scotland plc First Active

Top Five Questions relating to RBS- First Active consent to lease

• I have my 2 bed flat in Barnet on the market but notwithstanding a couple of viewings there is a lack of interest so far. As a backup option I am considering renting out the property if cant find a buyer. I dont foresee a problem getting consent to let from the freeholder. My mortgage adviser says that in such a situation I may be required to switch to a buy to let mortgage yet I probably don't have enough equity needed. What's my exposure if I were to retain the current RBS- First Active home loan and rent out the flat without telling them I was told that they can put a marker on you for mortgage fraud once find out. Is that right?
• Me and my husband reside in a house where we have numerous spare rooms. We are exploring the prospect of setting up an holiday rental type operation to let half the home out on a short term arrangement. Are you aware if this kind of thing acceptable in accordance with RBS- First Active’s standard 'consent to let' process?
• In the coming months I would like to move house and I am wondering if I can get consent to let on my property then get a mortgage approval for the new house so I can effectively bid thus being chain free and then let my property out when I move. Is it likely that RBS- First Active grant consent to let for 12 months if they know I am wanting to purchase somewhere else or only where one is moving short term with work?
• We are looking to lease out our studio flat in Lewisham in July. I would like some guidance on what I need to do. I've just moved our RBS- First Active mortgage to a fixed term and just need to understand what the procedure is if I plan to get consent to let.
• We have already let but only just realised RBS- First Active should've been informed and consent to let applied for - can consent be obtained retrospectively?
• Can I remortgage to RBS- First Active from my current provider, with a consent to let or do I need a let to buy mortgage, and if so what are the LTV's?
• I am considering relocating with work and would need to rent my property out. I have a mortgage with RBS- First Active. My property is worth approx £250k and owe £48k on it. Do you think RBS- First Active increase my mortgage rate?
• Me and my sister and I have a mortgage with RBS- First Active on our one bedroom apartment in Havering. We are planning to buy a new house and move in there. How do I switch our existing mortgage on to consent to let?