Need Help?

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

Frequently asked questions relating to RBS - Virgin One consent to lease

  • Me and my husband have a RBS - Virgin One mortgage and are never missed a loan payment, in gainful employment etc. Do you know how much it will cost and if RBS - Virgin One are likely to give us consent to let without changing to a new mortgage product?

  • Me and my wife acquired a property ten years ago on shared ownership basis, I own 50% by way of bank loan and rent the remaining percentage. In late 2014 I bought a new property. I let out my first property and moved to the new home. I got consent to let from my mortgage company and I was under the assumption I had consent to let from the housing association. Earlier this week I was contacted by the housing association saying they had nothing on record to evidence I had procured consent to sublet. What do I do now?
  • Am I obliged to inform RBS - Virgin One of my intention to rent a room out to a lodger. I have two spare rooms that could be used by lodgers and I was thinking that as the occupancy remains in keeping with that of the 'family' use of the property it might not require consent to let. Can you help clarify? I am taking separate advice on the insurance, legal and tax ramifications.
  • I have a prevailing RBS - Virgin One loan on a house since 2000. I am now married and live in my husband’s home. My property is currently vacant and we either need to sell or let it out. Obviously this could be a long term proposition as the probability of moving back is low. What should I advise RBS - Virgin One with a view to obtaining consent to let?
  • Should I decide to apply for consent to let from RBS - Virgin One how much time does it take to get consent to let after you apply to RBS - Virgin One. ?
  • My wife and I are intending to change mortgage provider to RBS - Virgin One for a fixed rate but during this period will need to rent the apartment out for about 12 months. Do RBS - Virgin One consent to let on fixed rate home loans and if so, what are the procedures.
  • I am trying to investigate if it is possible to get a consent to let mortgage with RBS - Virgin One rather than a buy to let mortgage
  • Can you tell me how much the fees are and if RBS - Virgin One ordinarily grant consent to let without changing to a commercial rate?