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Buy to Let landlord information

What are you responsible for as a landlord?


Letting a residential property is a commercial transaction and as you know, our decision to offer you a buy to let mortgage was based on these principles:

  1. Keeping up with mortgage repayments

  2. Adhering to the terms and conditions of the mortgage

  3. Repay any capital

    If your mortgage is on an interest only payment basis, it’s your responsibility to repay the capital at the end of the mortgage term.

  4. Ensure the property is only used for letting

    The property must always be used for letting and not for you to live in.


Your obligations to tenants 


It’s important that you understand your responsibilities as a landlord, and your obligations to your tenants (England) or contract-holders (Wales).


As a landlord you have an obligation to your tenants or contract-holders. This includes:

  • Complying with legal requirements of being a landlord.
  • Adhering to health and safety obligations towards your tenants or contract-holders.
  • Complying with any licensing or registration requirements.
  • Ensuring your tenants or contract-holders are treated fairly.

As a landlord you must:

  • Understand there’s a commercial risk in becoming a landlord.
  • Have a plan for how you’ll keep up your mortgage payment at times when the property is empty.
  • Protect the property’s value by maintaining it. 
  • Respond to valid requests including demands for ground rent and service charges from the freeholder and/or its managing agent (for leasehold properties).
  • Ensure the building is fully insured for the full term of your buy to let mortgage with adequate specialist insurance in place.

Need advice?


If you need advice about your responsibilities, you can find out more from the following recognised landlord associations:

For updates about your responsibilities, visit:

Please note we're not responsible for any information contained on external websites.

Your repayments


If at any time you’re having difficulty keeping up with your mortgage repayments, get in touch with our team to discuss your options and we’ll do all we can to support you.


Call us on: 0330 333 4020

You can also visit our support hub where you can find answers to our frequently asked questions.


Remember, if you fall behind with your repayments and your mortgage goes into arrears, you’ll have to pay extra charges. More details on tariff of fees and charges.


Buy to let mortgages are not regulated by the Financial Conduct Authority.

If you fail to keep up with payments on your mortgage, a 'receiver of rent' may be appointed and/or your rental property may be repossessed.