Temporarily rent out your home in the UK

Yes, if you have a residential mortgage and want to rent out your home for more than 90 days in a rolling calendar year. If agreed, we'll issue a letter of consent saying you can rent it out. With a Buy to Let mortgage, you can only use Short Term Lets to cover gaps when it’s not rented.

If you plan to rent it out your home for less than 90 days in a rolling calendar year, you may not need to tell us if:

• you are using a license for renting, not a tenancy agreement.
• you inform your insurer about the rental and get their approval. Your building insurance must always be valid.
• you follow all rules and regulations for local or other relevant authorities.
• you don’t break the rules from any support schemes, like Help to Buy or shared ownership. You may need permission from the scheme provider and any lenders involved.
• your home is leasehold, you meet all lease conditions before starting Short Term Letting and get permission from the freeholder.

If you want to rent out your home and don't meet these conditions, please follow our Consent to Let process.

You must report any taxable income made from Short Term Lettings to HM Revenue & Customs (HMRC).

Yes, you need to use a tenancy agreement to rent out the property, such as an assured shorthold tenancy.  You can only use one tenancy agreement for each property.

You must tell your building and contents insurer as, renting out the property might change your insurance cover.