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Consent to let

Getting permission to rent out your home

 If you want to temporarily rent out the home you’ve mortgaged with us, we might be able to help.

Your home may be repossessed if you don’t keep up repayments on your mortgage.

Renting out your home

There are two main reasons why you may need to rent out your home – and they affect your mortgage with us in different ways.  

A temporary change

We understand that there are times when you need to move out of your home temporarily. You might need to relocate for work reasons, or to take care of a friend or relative. If you’re a member of the armed forces, you could be deployed to a new location. In circumstances like these, renting your home to others can help you keep up your mortgage payments – but you need to get permission from us first, and meet our conditions below. 

Long-term renting

If you plan to rent out your home with no intention of returning in the foreseeable future, then you’ll need to apply for a buy-to-let mortgage. This means you’ll need to give us some details about the amount of rent you expect to receive, along with other income and outgoings you have. You’ll also need to meet our eligibility criteria for buying to let. Take a look at our guide to buying to let.

Permission to let conditions

Are you eligible?

Before you apply for permission to let, please check that you meet the following conditions.

  • Your mortgage account needs to be up to date, with no arrears. We’ll also check whether you’ve made payments on time for the previous six months
  • You’ll need to rent out your property using an acceptable tenancy agreement, such as an assured shorthold tenancy
  • You can’t rent out your property on more than one tenancy agreement

Things to think about

If we give you permission to let your home, there will be some new conditions for your mortgage while the agreement is in place.

  • You can’t apply to borrow more against the property, although we might consider this if you need the money to improve or repair the mortgaged property
  • You won’t be able to switch to a new rate, unless you’re in the armed forces, an ex-patriate, or a member of the government or diplomatic service
  • You must tell your building and contents insurance provider about your new mortgage arrangement, as it might affect your cover

How to apply

Get permission to let your home

You’ll need to fill out a permission to let application form. You can visit a branch to collect one. Once completed, you can post it to us or drop it off at your local branch.

Apply for a buy-to-let mortgage

If you’re thinking about buying to let, explore some mortgages, tips and insurance deals to help with your plans.

More mortgage options

Exclusive buy-to-let rates

Switch to a new rate if you have a mortgage with us

If you have a buy-to-let mortgage with us, we can offer you exclusive rates if you want to switch to a new deal – and you could borrow more.

How to buy to let

Practical tips for landlords

Read our tips on how to become a landlord – from choosing a property and mortgage, to understanding your tax liabilities and legal responsibilities to tenants.

Premier landlord mortgages

Exclusive rates for Premier

If you’re eligible for Premier, we could help – whether you’re mortgaging a buy-to-let property, borrowing more or switching your mortgage to us.

Mortgage calculators

Work out the kind of mortgage you could afford

Use our mortgage affordability calculators to work out how much you could borrow and what kind of deposit you need for a mortgage.

Need some help?

Chat to us online

Start a web chat if you have a question about applying (we can’t give advice about choosing a mortgage during web chats).

Call us

Call us1 any time – lines may be closed at off-peak times on bank holidays and during Christmas.

0800 197 1081

Visit a branch

Find a branch near you that offers appointments with mortgage advisers and see when we’re open.