Need Help?

Need professional advice for your consent to let with The Royal Bank of Scotland plc Direct Line Mortgages? There are various implications when it comes to letting out your property with an existing residential mortgage - you should seek professional assistance.

Common questions relating to RBS - Direct Line consent to lease

  • Having endured living in a rough area for 3 years now, we now want to move. As selling the house will trigger a hefty redemption penalties to RBS - Direct Line of £2500, we considered that it would best to let it out. In the circumstances we need consent to let from RBS - Direct Line only 12 months. What can I do to get consent?

  • I am a FTB hoping to complete on a detached house in RBS - Direct Line. I have a 40% deposit with a mortgage from RBS - Direct Line. My dilemma is that my fiancee owns a flat in London and I anticipate moving in next year, when I would want to let out my house. I have heard of consent to let but it does not sound like there is any certainty. Can you offer any advice?

  • Would a mortgage Early Redemption Charge be tax-deductible on Buy to Let flat? Last year I was thinking of applying for consent to let from RBS - Direct Line on my flat but I ended up switching lender to get a BTL mortgage. I had to pay an early repayment penalty as I was still in a fixed rate period.
  • I have found myself in the accidental landlord category and without consent to let from RBS - Direct Line. I had to leave my flat for work reasons, so am now based in another part of the country. At first I tried to sell the flat, but prices were deflated, resulting in negative equity. This was three years ago in 2011, which has since seen the property price increase and has allowed me time to accumulate savings. I am in now in a position where I can now switch to a BTL mortgage and would like to remortgage at the same time. My concern is, will changing mortgage providers possibly alert RBS - Direct Line that I have been letting without consent to let? I appreciate that I shouldn’t have done this, but circumstances forced my hand. Can I change to a BTL without RBS - Direct Line knowing what I’ve done?
  • Is there a maximum period that RBS - Direct Line is willing to issue Consent To Let for?
  • We are about to buy a place and plan to live in it once we have refurbished but we may need to let the property out but not clear on what the criteria is for consent to let from RBS - Direct Line? We don't need a buy to let mortgage because we are not certain if we will need to let it out at all
  • I am looking to place our matrimonial home on rent due to work commitments and was curious if this is possible to get consent to let. It is on a fixed rate mortgage with RBS - Direct Line until 2018 September
  • I have had my mortgage with RBS - Direct Line for the previous eighteen months and I am at present just wanting some insight as to whether gaining a consent to let is likely.