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Friend looking after the house
bmj191
Posts: 75 Forumite
Can anyone tell me if we would need to do anything legally in this scenario?
We are going to be living elsewhere for 6 months. Can our friend move in and informally house-sit for us? (We own the house - normal mortgage, not buy to let.) Would our insurance be void if we weren't there and someone else was?
She would be paying us a very low amount each month, just to cover our mortgage only, and we would have heating/electic/gas serviced first just to be safe.
Basically, we're not wanting to formally rent to her, just want her to house-sit/be there while we are away.
We are going to be living elsewhere for 6 months. Can our friend move in and informally house-sit for us? (We own the house - normal mortgage, not buy to let.) Would our insurance be void if we weren't there and someone else was?
She would be paying us a very low amount each month, just to cover our mortgage only, and we would have heating/electic/gas serviced first just to be safe.
Basically, we're not wanting to formally rent to her, just want her to house-sit/be there while we are away.
0
Comments
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I think to be on the safe side you should check with your mortgage company and insurance company.0
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usually you pay someone to house sit, not the other way round.
this is renting. so, you need to get permission to let it out, and change your insurance.
if you have a spare room however you could have a 'lodger', in which case it'd just be the insurance.Debt free 4th April 2007.
New house. Bigger mortgage. MFWB after I have my buffer cash in place.0 -
Someone paying you money to live in your house when you are not there is renting.
Failiing to notify mortgage company of changes (Ie: your unofficial version of renting) and insurance company could land you in expensive trouble.
Plus you'd need gas certificate and EPC too.0
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