Landlord FAQs
• I want to let out my property; do I need to
tell the mortgage lender?
• If I let out a property, do I have to provide
the tenant with any furniture?
• How do I know I am getting a good tenant?
• Who has to pay the council tax on the property?
• Who is responsible for the TV licence, the
tenant or the landlord?
• What is an inventory?
• What insurance is required when letting a
property?
• I want to let out my property; do I need to tell the mortgage
lender?
Failure to tell mortgage lender that you are renting out your house is likely to
mean you’re breaking the legal terms and conditions of mortgage contract, so before
you do anything else, approach your mortgage lender and ask for their permission.
You’ll usually have to obtain something called a ‘consent for lease’ from your lender
before you can get started.
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• If I let out a property, do I have to provide
the tenant with any furniture?
No, you can let out your property; fully furnished, partly furnished or unfurnished.
It is also important to note the condition of the furniture provided in the inventory.
Any soft furnishings have to be provided with the relevant fire certificates.
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• How do I know I am getting a good tenant?
There are no guarantees in securing the perfect tenant, however we strongly advise
and recommend you seek full and proper references and where possible personal recommendations.
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• Who has to pay the council tax on the property?
A tenant is responsible for the payment of council tax during the period of the
tenancy. You may have a tenant who does not need to pay council tax (a full-time
student) for example but they are still responsible for seeking the exemption certificate
from the local council.
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• Who is responsible for the TV licence, the tenant
or the landlord?
The tenancy agreement will state who’s responsibility it is to pay the TV licence.
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• What is an inventory?
This is a document which will be a summery of the property and its contents. We strongly
advise that all landlords have a full inventory under taken as this will be the
primary document used for any deposit disputes.
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• What insurance is required when letting a property?
The landlord should have insurance on the property and its contents, such as furniture
that they have provided in the property. Tenants are responsible for insuring their
own contents left in the property. We can refer you to our Building and Contents
specialist,if I were you, who can provide free advice and quotes. Just fill in the enquiry form on the contact us page or visit the link above.
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