Need Help?

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

Recently asked questions relating to RBS (One Account) consent to lease

  • How long must one own a property before you can get consent to let from RBS (One Account)? If issued, can it be rescinded at a later date?
  • What is the maximum period of time permitted by RBS (One Account) that I would be able to let my property before having to switch mortgage or sell my house? In essence, my partner would like me to move in with him and I really don't want to sell my house. I would like the security of knowing I still own my own property.
  • We are currently in Dubai and renting out our apartment in Bexley. This was unplanned but an opportunity came up and we took it. The rent achieved on the apartment is not enough to cover the mortgage so we send back money each month to cover the difference. Earlier today our lender got in touch telling me that as the property is being let out and has been for almost three years we will have to pay 1.5% interest on top of our current mortgage rate. One option would be to sell the property but this will be difficult as I am so far away. Could we remortgage with RBS (One Account) and get consent to let?
  • I have found myself in the accidental landlord scenario and without consent to let from RBS (One Account). I had to leave my apartment for work reasons, so now rent in another part of the country. I originally attempted to sell the flat, but prices were depressed, resulting in negative equity. This was four years ago in 2011, the value has gone up and has allowed me time to save. 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 (One Account) that I have been letting without consent to let? I appreciate that I shouldn’t have done what I did, but circumstances forced my hand. Any help will be greatly appreciated?
  • How simple is it to obtain a consent to let from RBS (One Account) and what are the fees? If I want to let out my property for a couple of months how simple is it to chop and change between a owner occupier mortgage and consent to let?
  • How much is it to get a consent to let from RBS (One Account) on my residential property. I've moved in with my husband and have a friend renting from me.
  • I want to take in in a lodger for my garden flat in Enfield which I live in. My mortgage is with RBS (One Account). How do I go about getting a consent to let?
  • I have a mortgage with RBS (One Account) taken four months ago where I moved from another lender. Am I now able to rent my property with consent to let from RBS (One Account) as I am looking to purchase a further property.