Consent-to-let Help for The Royal Bank of Scotland plc Direct Line Mortgages

Frequently asked questions relating to RBS - Direct Line consent to lease

• I was hoping you could please give me some more detail on the consent to let process. I am thinking about taking a RBS - Direct Line mortgage on a £200,000 house Springnext year. The aim would be to hold the house as a second home but I would like to know what options there are to let the property in the future. If our situation was to change the house would either be sold or rented.
• We are currently in NYC and leasing out our property in the UK. This was unplanned but an opportunity arose and we took it. The rental income is not enough to cover the mortgage so we send back money each month to cover the difference. Anyway this morning I got a letter in the post from our lender informing me that because the property is being let out and has been for nearly three years we will have to pay 1.5% interest in addition to our current mortgage rate. We could sell up but this will be difficult as I am so far away. Could we remortgage with RBS - Direct Line and get consent to let?
• I recently received a decision in principle from RBS - Direct Line for a mid terraced house. I have applied via a broker. It is a capital and interest mortgage. I am curious as to what is the main criteria RBS - Direct Line adopt in order to allow customers consent to let? Is consent to let based on the rental multiple on a property?
• I have found myself in the accidental landlord situation and without consent to let from RBS - Direct Line. I had to leave my apartment for family reasons, so am now based in another part of the country. I originally tried to sell the flat, but prices were low, resulting in negative equity. This was three years ago in 2011, the value has increased and has given 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 am aware that I shouldn’t have done this, but circumstances forced my hand. Have I committed a criminal offence?
• My partner and I are planning to ask RBS - Direct Line for consent to let out our house in Bromley. We are relocating overseas for 2 years and would like to to let it out. I failed to check this out when we took the RBS - Direct Line mortgage, and that was due to the fact that we never thought an opportunity would arise such as this so was planning on living in the house.
• We have already let but only just dawned on us that RBS - Direct Line should've been advised and consent to let sought - can consent be obtained retrospectively?
• I am one year into a three year residential mortgage with RBS - Direct Line. Just curious if it's ok to lease out the flat on my existing mortgage. Will RBS - Direct Line grant consent to let?
• My job is now requiring mebe in different countries a lot and as a result I wish to understand the process for getting consent to let with RBS - Direct Line