Updated October 2026
In short: If your home has a Santander residential mortgage and you want to rent it out, you need Santander's permission first. Consent to let is usually aimed at temporary situations, such as relocating for work, and may involve a fee, a rate change or a time limit. Check your mortgage offer and Santander's current terms, and compare consent to let with a buy-to-let remortgage.
Frequently asked questions
When do I need consent to let?
Before any tenant moves in. Residential mortgages usually require you to live in the property, so letting without permission can breach your mortgage terms.
What will Santander ask?
Typically why you're letting, the expected rent and tenancy type, how long you plan to let, and confirmation that your payments are up to date.
Will my rate or payments change?
Some lenders charge a fee or move you to a different rate when they give consent. Ask Santander for its current terms in writing before you agree.
How long does consent last?
Consent is often granted for a set period and may be renewable. If you plan to let long term, a buy-to-let mortgage may be more suitable.
What if Santander says no?
You may need to remortgage to a buy-to-let product with Santander or another lender, or reconsider letting.
| Before the tenant moves in | Done? |
|---|---|
| Written consent to let from your lender | ☐ |
| Landlord insurance in place | ☐ |
| Gas safety record, EICR and EPC | ☐ |
| Smoke and CO alarms fitted | ☐ |
| Council licence if your area requires one | ☐ |
| Deposit protection and prescribed information ready | ☐ |
| HMRC: register rental income through self-assessment | ☐ |
How Fraser Bond helps first-time landlords
- Free rental valuation to support your consent application
- Compliance setup and certificates arranged for you
- Tenant finding under the Renters' Rights Act rules
- Full management so you can relocate with peace of mind
Related guides
Fraser Bond services: Rental · List your property · Contact us
