Consent-to-let Help for The Royal Bank of Scotland plc Virgin One

RBS - Virgin One Consent to Lease Example Support Desk Enquires

• We are FTBs, presently renting. We want to buy a studio flat in Hackney. We want to move there, but will need to wait for a job - perhaps a couple of years. Do we have to get a buy-to-let mortgage? Could we have a normal mortgage with RBS - Virgin One, because we intend to move there soon? Or could we live there for a couple of months, then start renting it with consent to let from RBS - Virgin One? I'm only evaluating scenarios that are completely legal, and have no intention of contravening the provisions of the RBS - Virgin One mortgage.
• I am a first time buyer in the process of trying to purchase a flat. However there is a strong possibility that I will be moving abroad within the next couple of years. I have mentioned this to my financial adviser who has informed me as long as nothing has been signed or confirmed you can go ahead and apply for a residential mortgage with RBS - Virgin One. Once that's complete if it transpires that I need to move abroad he said can apply for a consent to let from RBS - Virgin One. How would the property be treated for CGT purposes? From what I can tell there is some sort of tax relief if you have had to vacate your property to move abroad for work. is that right?
• I purchased a house in 2008 with the help of a housing association, I own half through mortgage and rent the remaining percentage. Three years ago I purchased a new property. I let out my first house and moved to the new home. I got consent to let from my mortgage company and I thought I had consent to let from the housing association. Last week I was contacted by the housing association advising they had nothing on record indicating I had attained permission to sublet. What are my options?
• I rented my house out for three years from 2010-2013 while working abroad. I have a letter dated January 2010 from my lender granting consent to let. In the letter it clearly stipulates that the consent to let is valid for "the remaining term of the mortgage". I have not remortgaged since the letter was issued. I now plan to move house and rent out my existing house. However, my IFA has suggested that the 2010 consent to let letter may not be sufficient for the new lender RBS - Virgin One for the house I wish to purchase.Can this be correct
• I'm gathering some information on whether consent to let is something available to me? We have a mortgage with RBS - Virgin One and are considering leasing the place out for two years, but cannot really afford to convert to a buy to let mortgage. Is consent to let a viable option rather than to switching to a buy to let rate?
• This is not a question specific to RBS - Virgin One but do lenders usually supply the information I need for my Buy to Let or Consent to Let self-assessment tax returns?
• How much of my loan allowance will be made available to borrow if I switch my mortgage to a consent to let with RBS - Virgin One?
• Is it the case that a previous extension to a mortgage term with RBS - Virgin One work against us when we applied to RBS - Virgin One for consent to let.