Consent to let

Getting permission to rent out your home

If you want to let out your home temporarily, we might have options that could help.

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

Renting out your home

There are three main reasons why you might need to let out your home – each one affects your mortgage with us in different ways.

Share your home

You might want to earn some extra income by renting out a spare room or your whole home while you’re away. If you meet the below conditions, you won’t need to let us know before you rent.

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.

Short-term occupancy

Are you eligible?

Before you let out your home, or part of your home (for example, a room or an annexe) using an online platform, you have to meet these conditions

  • You use an online short-term occupancy platform that’s on our approved list below
  • You agree the occupation under license and not using a tenancy agreement
  • The property isn’t occupied by someone other than you for longer than 90 days in any 12 calendar month period, and for no longer than 30 days consecutively by anyone other than you
  • Your buildings insurance isn’t invalidated and stays in force at all times
  • You’re not breaching any requirements or regulations of local or other relevant authorities
  • You will need to have a Barclays residential mortgage, and for special schemes (for example, Help to Buy or shared ownership), you might need to get permission from your scheme provider first. You might also need consent from any second charge lenders

Online short-term occupancy platforms we accept

  • Airbnb

If you meet the above conditions, you won’t need to get prior permission from us.

Things to think about

If you want to let out your home but don’t meet the above conditions, please see our permission to let conditions below instead.

So you know – we’ll send correspondence to your property (if you chose it as your correspondence address), even if it’s being rented out.

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 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 download and fill out our Permission to Let application form. Once completed and signed, you can post it to us.

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.

Need some help?

Call us

Lines are open Monday to Friday from 7am to 8pm, and from 7am to 5pm at weekends.

0333 202 7580

Visit a branch

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