Renting with a mortgage UK

[Callum61]

Hi, just wondering if I can rent on AirBnb with a non-holiday let mortgage?

I know if you rent over 140+ nights you need to pay a different type of tax but renting itself seems to be a grey area.

Many thanks

[Mike-And-Jane0]

@Callum61 It is nothing to do with tax - It is your bank that will typically not allow short term renting without the right type of mortgage. Not sure what the 140 days is you refer to. I suggest you learn about Furnished Holiday Lets on gov.uk and see where you end up. Different rules apply for council tax/business rates.

[Huma0]

@Callum61 

As far as I am aware, most mortgage providers do not technically allow you to do STRS if you have a residential mortgage.

Of course, a lot of people go ahead and do it anyway...

I host long term guests and live in the same property, so they count as lodgers. 

Still, you are right. It's a very grey area.

[Debra300]

It's very interesting to see STR policies in different countries.  In the US, it's the STR policies in local municipalities, and the home owner insurance companies that provide the greatest barrier.  There typically aren't any restrictions from mortgage providers if the property is the primary residence of the homeowner, but often there are some types of limitations stipulated if it's a secondary home.