Rent out your home while you're away
Going travelling or have a change in circumstances? You might decide to rent out your home for the short-term. If you've got an HSBC mortgage you can apply for our consent to let your property on a temporary basis – for up to 27 months.
If our consent for you to let your home is agreed, you could:
- Have the freedom to work, live or travel elsewhere short-term
- Get rental income to cover your mortgage payments
- Rent out your home for up to 27 months
- Switch to a new mortgage rate during the period of renting your home – this will need to be done over the phone with us
No other changes to your mortgage can be made during the period of renting out your home.
Looking to let your home more permanently? You'll need to apply for a Buy-to-Let mortgage instead.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Who can apply?
It's a condition of your mortgage that you must have our consent before letting your home.
To apply, you should:
- have an HSBC residential mortgage
- only need to rent out your home on a temporary basis – up to 27 months
- have the consent of all the mortgage account holders
- have held your mortgage with us for at least 6 months
In exceptional circumstances, for example if you’re a member of the armed forces and you're taking up a new post, you may be accepted earlier than 6 months.
Apply for our consent to let online
Select the chat icon and send one of our friendly agents a message with your request to temporarily rent out your home. You’ll need to give the reason for the request and the time period you’re asking for.
You can chat to us Monday to Friday 08:00 to 17:00. Opening hours within the mortgage departments may vary.
Apply for our consent to let by phone
If you'd prefer to speak to our mortgage team, or you're joint mortgage holders, give us a call to apply for our consent to let. You can also call us if you're looking to switch to a new mortgage rate during the period of renting your home.
Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.