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

  • Jennifer (my wife) and I may need to let our Enfield home temporarily due to a new job. This will be temporary but possibly for as long as 6 years. Should I tell RBS - Direct Line or do I keep schtum?

  • My flat has a mortgage against it with RBS - Direct Line and I have been letting out the property omitting to get consent to let, making me in contravention of my mortgage Ts and C’s. They may have suspicions that I am not living there. What negotiating options do I have if I fail to sell it in time before they are on notice that I have breached my conditions?
  • Following retirement last year I acquired a “retirement home” for my wife and myself to move to. Our intention is to let our current property to our nephew and I have consequently asked RBS - Direct Line for consent to let. Do you think this is likely to be given?
  • For two years now I have been with RBS - Direct Line and have just renewed a fixed rate. The loan to value is about 45%. Unfortunately we need to move into my mum’s flat to look after her, it would make sense to let our house out - do I require consent to let from RBS - Direct Line and is it likely to be granted?
  • I am trying to investigate if it is possible to get a consent to let mortgage with RBS - Direct Line rather than a buy to let mortgage
  • Am I required to negotiate consent to let if I let to a family member (in my situation my brother now lives there and contributes towards the RBS - Direct Line mortgage)?
  • We have three months to left on a 2 year residential mortgage with RBS - Direct Line but now let the flat out. is it safe to assume they will just charge a flat fee for consent to let?
  • We have a granny flat attached to our house. Do we need consent to let this from RBS - Direct Line? If so, what is the process if I need to transfer my mortgage to consent to let?