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

Recently asked questions relating to RBS- First Active consent to lease

• I've got an existing mortgage with RBS- First Active approaching 18 months and the fixed rate is soon to come to an end. We are looking at taking equity out of our present home to enable us to acquire a new larger home and then rent out the existing garden flat. We have had initial advice that we ought to look for a new residential mortgage with a consent to let - can you clarify what is involved?
• I have a normal mortgage with RBS- First Active and will be joining the Royal Fleet Auxiliary in January. This is a civilian manned fleet owned by the MOD. I will be at sea four months on and three months in the UK. During my time away I want to rent out my property in Havering and live with my parents when on shore. What's involved in getting consent to let? Can it be granted? and does it involve an increase in interest rates?
• As a result of changes in my personal circumstances I intend moving in with my girlfriend next month and I have let my property out to 2 tenants on a one year tenancy. The application for consent to let from RBS- First Active is in hand but what if they decline. I can’t renege on my contract in terms of backing out of renting the students as the paperwork is finalised. On the other hand RBS- First Active could take me to court for contravention of mortgage condition i.e. letting it out without consent to let.
• I have found myself in the accidental landlord scenario and failed to inform RBS- First Active. I had to vacate my home for career purposes, so am now based in another part of the country. At first I tried to sell the flat, but prices were depressed, which meant I was in negative equity. This was four years ago in 2012, which has since seen the property price increase and has allowed me time to save. I am in now in a position where I could transfer to a BTL mortgage and would like to remortgage at the same time. My concern is, will changing mortgage providers possibly alert RBS- First Active that I have been letting without consent to let? I appreciate that I shouldn’t have done this, but circumstances left me with limited options. Can I change to a BTL without RBS- First Active knowing what I’ve done?
• The prevailing mortgage is with RBS- First Active, but I am going to move out for about a year as we need to be nearer to my partner's father. Will RBS- First Active issue consent to let?
• Just wondering if if consent to let would be forthcoming from RBS- First Active in order to move back in with my mum and dad for 12 months and save the money to extend the lease on my flat?
• Will RBS- First Active choose to operate a right to switch the rates on a owner-occupier mortgage where Consent to Let at any time, onto ‘rates equivalent to their BTL range'? Can one refinance on a consent to let with RBS- First Active?
• I am thinking of moving in with my fiance at his home and would like to rent out my property that I bought last year, I'm just not sure of the process as my property is my first home. What hoops do I need to jump through to gain consent to let from RBS- First Active If I obtain consent would my mortgage payments increase?