The simple answer is no. At least, you can, but it’s a very bad idea.
For a start, if you let out your property and it is subject to a normal mortgage it’s highly likely that you are in breach of your terms and conditions and are likely to be committing mortgage fraud!
Of course, if you have no mortgage, you can do what you’d like, although it’s worth noting that failure to declare this fact to your insurer may well invalidate your insurance.
Buy to Let mortgages are created specifically for investors. Their terms are different. Generally, they are more expensive and the LTV (Loan to Value) is usually less. There are other requirements including a rent cover provision and the usual affordability tests.
If you do end up in breach you need to be aware that there are several harsh penalties including being required to repay the mortgage in full, financial penalties or higher interest rates.
Sometimes, if your circumstances suddenly change, your residential mortgage lender may give you “permission to let” for a short period. Some lenders may charge for this.
If you would like more advice on buy to let mortgages, feel free to contact Mortgage Required on 01628 507477 for advice.
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