Letting your property

You can apply to rent out your home. If we agree, we may apply some charges to your account while you have tenants. We’ll explain these when you apply. 

Renting out your home

If you don’t have a buy-to-let mortgage, you’ll need to ask for our agreement to rent out your home.

Things to know:

  • You must have our agreement to rent out your home. See our agreement to rent out your home section to understand how not getting our agreement will change your mortgage payments.
  • You must follow all the laws and rules for renting out your home. Also, see our conditions for renting your home (PDF: 231 Kb) that work alongside your mortgage conditions.
  • We do not allow multiple tenancies. This is where each tenant signs a separate agreement or has separate facilities such as their own kitchen (or both). The maximum number of tenants on one tenancy is five, and all tenants must be together on one agreement.
  • Renting out your home should be temporary - so it might be better to apply for a Buy to Let mortgage if you’re not planning to move back in. If you’ve moved home, let us know by calling 0345 603 1637.

To apply

Fill in our online form if you’re registered for Internet Banking

  • You can find the form by logging in to your Internet Banking account and going to Your Mortgage > More actions > Account services > Request consent to lease.

Not registered? Register for Internet Banking now.

If you’d prefer to not register for Internet Banking, fill in this application form.

To cancel

If you’ve moved back into your home and want to cancel, fill in our online form by:

  • logging in to Internet Banking and going to Your Mortgage > More actions > Account services > Confirm no longer renting.

Not registered? Register for Internet Banking now.

If you’re not registered for Internet Banking, please fill in this cancellation form.

We will process your cancellation within 10 working days and we’ll let you know when we’ve made the change.

You’ll need to apply again if you want to rent out your home in the future.

You must have our agreement to rent out your home

If you rent out your home without our agreement, or we reasonably believe you’re doing this.

  • we’ll charge an added rate on top of your existing interest rate. This means your monthly payments will be more.
  • we may charge you extra interest or amounts backdated to when you were, or we think you were renting out your home.
  • you won’t be able to borrow any more on your mortgage.

If you’ve moved back home, you need to let us know by calling 0345 603 1637. We’ll let you know what evidence we need to give us to show you’re living there.