Consent to Let Barclays Bank

kaz2026

Hi everyone,

I’m looking for some advice or to hear about other people’s experiences with Consent to Let from Barclays.

I’ve had my mortgage with Barclays since January 2024, and I’m now considering renting out my property. I’m planning to apply for Consent to Let but I’m unsure how straightforward the process is and what Barclays are like with approvals.

Has anyone here gone through this with Barclays recently?

• Were they easy to deal with?
• Did they approve your request?
• Did your interest rate or payments change much?
• Any tips or things I should watch out for?

I’d really appreciate hearing about your experiences — good or bad — just so I know what to expect.

Thanks in advance!

kingstreet

Your clients can apply for permission to let if they’re looking to move away from a property temporarily and let it out, for example, if they’re relocating for work or are a member of the armed forces. Before they apply, they’ll need to meet these conditions

• Their mortgage account needs to be up to date, with no arrears. We’ll also check whether they’ve made payments on time for the last six months
  
• They’ll need to let out their property using a tenancy agreement we accept, like an assured shorthold tenancy
• They can’t let out their property on more than one tenancy agreement

If we give your client consent to let their home, there will be some new conditions for their mortgage during the tenancy agreement

• They can’t apply to borrow more against the property, though we might consider this if they need the money to improve or repair the property
  
• They need to tell their buildings and contents insurance provider about their new mortgage agreement, as it might affect their cover
• Your clients will need to contact us directly to discuss switching rates or making any other changes to the mortgage while they have permission to let. Please don’t submit this type of application

We offer additional options if your clients want to let their property. See ‘Short-term letting’ for more information.

kingstreet

People who have residential mortgages with us can let out their property, or part of their property (for example, a room or an annexe), using short-term letting platforms we’ve approved. They don’t have to get permission from us, as long as

• They use an online short-term occupancy platform that’s on our approved list (see below)
  
• They agree the occupation under license and not using a tenancy agreement
• The property isn’t occupied by someone other than the owner for longer than 90 days in any 12-calendar month period, and for no longer than 30 days consecutively by anyone other than the owner
• Their buildings insurance is always valid
• They aren’t breaching any requirements or regulations of local and other relevant authorities
• For special schemes (for example, Help to Buy or shared ownership) they might need to get permission from the scheme provider before letting out any of their property. They might also need consent from any second charge lenders

Online short-term occupancy platforms we accept

• Airbnb

You should let your client know that we’ll still send correspondence to the property if they chose it as their correspondence address, even if it’s being rented out.

Rental income from renting out this property or part of it (for example, using a short-term letting arrangement) can’t be considered for affordability. It should be deducted from the overall amount of rental income an applicant provides evidence of.

We offer additional options if your clients want to let their property. See ‘Permission to let’ for more information.