NRAM asking for ctl but I have lodgers

lollipop22

Thank you all very much

Thrugelmir

Do you own another property?

HappyMJ

lollipop22 wrote: »

I have received a letter from NRAM saying that they have been informed that I am letting out my property to Tenants and I need to apply for consent to let.

However, I do live at the property, albeit I work away alot and come back every so often and I have 2 lodgers in the property.

Not sure how to proceed with them as my business where I work is where everything is registered to, although my home is my home. My business is over 400 miles away, so cannot commute everyday, come back at weekends etc.

I dont have any bills in my name at my home address either!

Any ideas how to prove my case?

Thanks in advance

Start paying the bills at the home address and include a proportional amount to each lodger in the rent. Come home more often.

ILW

How do you have no bills?
What about council tax etc?

maninthestreet

So which property do you spend most of the time living at? Why are none of the bills at the property you refer to as your home in your name? Does this include council tax? Are you on the electoral roll at this property?

suburbanwifey

To be honest you sound like someone who is actually renting their home out to tenants under the guise of them being lodgers. If there are no utility/bank a/c, driving license documents registered to that house, you don't officially live there, you are a landlord letting out your home illegally as you don't have lender permission. I do think you know this and you have been caught as someone has shopped you.

Easy to solve though! Change your address on everything to that house, up your lodgers rents to include utility bills, council tax again and you will be fine. Be sharp about it though as if NRAM do a credit check on you they'll see you legally live elsewhere!

holly_hobby

lollipop22 wrote: »

I dont have any bills in my name at my home address either!

Then its not your primary residence, and hence the NRAM contact letter.

You may only have 1 primary residence - it appears that the property you live in for work currently acts as this, if as you say you have no responsiblity for utility bills etc at the let property. As a point of interest, where do HMRC have as your primary address ?

So you either need to have all utility bills etc at this property in your name and hope they accept this is your primary residence, or leave as things are and bite the bullet in applying for retrospective consent to let (pleading ignorance as to its requirement before you commenced the let, is your best chance of they not taking the hump and refusing !)

If they do refuse CTL, you would need to give notice to the lodgers, or remortgage onto a BTL product.

If you do give notice to lodgers, and the property will be unoccupied for more than 30 consecutive days, you will need to arrange speciliast blds/contents cover which covers periods of absence such as this.

Bit of a mess, but it isn't a no hoper.

Hope this helps

Holly