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What do you do with the house? What do you do with the house?
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Travellers' questions that don't fit anywhere else This is an opportunity to ask any question, and post any notice you wish that doesn't fit into one of the other sections.
Photo by Lois Pryce, schoolkids in Algeria

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Photo of Lois Pryce, UK
and schoolkids in Algeria



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Old 30 Jul 2014
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Obviously didn't make my post clear.

I DON'T want to LET the house!
Letting a property means you have to change the mortgage to a 'buy to let' and I don't want to do that.
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Old 30 Jul 2014
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I understood the OP But... if you take on a lodger and then leave them on their own for 6 months then basically you have let it out? The same problems would apply if they did not pay rent or damaged the house while you were not there.


As I see it you have three solutions.
A) either leave house empty, might want to check the terms on your house insurance if you do this.
B) Sell it before you go
C) Pay some one to look after it for you!


C is not as mad as it seems, there are web sites that have people looking for short stays. They find some one who is willing to house sit for a price with a contract that states it is a short term stay with as little as 7 days notice to vacate. This means you do not have a lodger you have not let it out and it is not empty.


I did look at this route but decided it was too expensive for me and option A was not for me. I would still have had to pay standing charges and water rates etc on an empty house with the problems of insurance.


Hope this information helps and sorry if it appeared I misread your original post.
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Old 31 Jul 2014
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Thanks all

Quote:
Originally Posted by greenmanalishi View Post
if you take on a lodger and then leave them on their own for 6 months then basically you have let it out?
That is my concern. My sister has a lodger, but she's there 99% of the time. Avoiding legalities is OK if nothing goes wrong and you get perfect tenants.

Not enough time to sell & I want somewhere to return to. My mortgage is cheaper than renting.

I plan to speak to my bank and agencies tomorrow regarding letting it for 6 months. But leaving it empty is becoming more appealing.

Just gotta find a secure place for my car and bikes. If I move to NZ permanently, I'm taking them with me
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Old 30 Jul 2014
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Quote:
Originally Posted by pheonix View Post
Obviously didn't make my post clear.

I DON'T want to LET the house!
Letting a property means you have to change the mortgage to a 'buy to let' and I don't want to do that.
That's technically true, but how will they ever know if you keep giving them your pound of flesh every month?
They aren't landlords, they don't have the right to call round and check on their 'investment' and check if you are in or out.

Its easier to let/rent/lend for a fee or whatever you call it to someone you know(=trust) for a bit less cash and then at least you'll get it back the way you left it.
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Old 30 Jul 2014
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I rented mine out for 2 years and didnt change the mortgage over..I'd say that if you did switch to buy to let you would have trouble getting it changed back at a later date or there would be plenty of fees involved...
I've been back in for 18 months now and have recently got a lodger in the spare room which pretty much pays the morgate,so hopefully I can go off on a jolly in sept for a bit..
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Old 30 Jul 2014
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You don't need to swap over the mortgage, just inform your lender. As it's still your primary residence it's ok. You do need landlords insurance though.
We rented ours out for three years so far - on six month contracts. The lettings agent takes 8% and £75 every six months for the contract.

The agent will want a gas and electrical test certificate done but that's all you need.

Rent return is high in the UK, why not earn in the 6 months you are away.

You here horror stories but we have been happy with our tenants for the last three years.

Good luck on your trip

Paul
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