We use cookies to give you the best possible experience on our website. If you continue without changing your settings, we'll assume that you're happy to receive all the cookies on our website. However, you can change your cookie settings at any time.

Your Privacy

When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience.

Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.

Strictly Necessary Cookies


These cookies are strictly necessary for the Website to work properly and for us to keep it secure. They are needed to allow users to use the Website and its features, including to move between pages of the website.

These cookies are required

Performance and analytical cookies

These cookies allow us to collect certain information about how a user navigates the Website. These cookies collect information that is used either in aggregate form to help us understand how our site is being used or how effective are marketing campaigns are, or to help us personalise our site for you. We use Google analytics and Bing 1st party cookies, Google Marketing Platform cookies and Hotjar cookies for reporting purposes.

Cookie Name Purpose More information
Google Marketing Platform Cookies _ide, _nid, _sid, _dsid, _flc, _aid, _taid These are 3rd party cookies served by Google Marketing Platform. They serve adverts to visitors based on the websites they've been to previously. Click here for more information about Google Marketing Platform and how to disable this cookie.
Facebook   Personalise and provide products via Facebook marketing. Click here for more information about Facebook cookies.
Flash Taking   These are 3rd party cookies served by Flash Taking. They serve adverts to visitors based on the websites they've been to previously. Click here for more information about Flash Taking and how to disable this cookie.
Google Analytics _utm(x), _ga(x), _gid, amp_token These cookies are used to collect information about how visitors use our website. They keep track of when a visitor enters and leaves the website and any search engines and keywords that are used, including any personal and/or sensitive data. Click here for more information about Google Analytics cookies.
Bing mui(x), _uet(x) Remarketing script and conversion tracking Click here for more information about Bings Ads and how to disable this cookie.
Hotjar _hj(x) These cookies are used to record anonymous videos about how visitors use our website. They keep track of how visitors engage with pages on our website. Click here for more information about Hotjar and how to disable this cookie.
ResponseTap   These are 3rd party cookies served by ResponseTap. They serve incoming phone numbers to visitors to allow call volume tracking. Click here for more information about Response Tap cookies.
The Trade Desk   These are 3rd party cookies served by The trade desk. They serve adverts to visitors based on the websites they've been to previously. Click here for more information about trade desk and how to disable this cookie.

Marketing cookies

These cookies are used to make advertising messages more relevant to you. We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media.

Research and legals

Mortgage rules for budding Airbnb hosts

Since Airbnb launched in 2008, it’s taken the travel world by storm. It’s also become an attractive prospect for buy-to-let landlords, especially if they’re struggling to turn a profit from traditional tenancies.

Research from the Residential Landlords Association revealed that one-in-three landlords are turning to short-term lets as their margins are squeezed by changes to rules around tax relief on mortgage interest. But getting started as a host isn’t as easy as you might think, especially if you’ve got a buy-to-let mortgage. If you’re thinking of giving Airbnb a whirl, there are a few things you need to know:

Check with your lender first

Even if you have a buy-to-let mortgage, it’s best to check with your lender before you set yourself up on Airbnb. Some lenders have started to make rules around letting periods, with some setting a minimum term of 90 days, which is the maximum term Airbnb lets you rent your property out for. Research by The Telegraph revealed that only two out of nine high street lenders let landlords list their property on Airbnb without prior consent, with four of the nine being a firm ‘no’.

You may find that even if your lender does say yes, you’ll be faced with higher interest rates or additional fees to change the terms of your mortgage. Thinking of going ahead without telling your bank? Think again. If your terms and conditions forbid short-term lets and your lender finds out, you could be in breach of the terms and, worst case scenario, could be asked to repay your loan in full or move your mortgage to another lender.

Renting out your spare room

Many holidaymakers using Airbnb will be looking to rent the entire apartment, but some solo travellers on a budget will be looking for a crashpad and don't need the extra space (and expense) that comes with having an entire property.

If you elect to just rent out a room in your own home, this is typically treated the same as a lodger – meaning your mortgage is unaffected. That said, it's worth asking your mortgage provider, just in case.

Check your insurance

Just as your lender might be wary about short-term lets, so might your home insurer. You’ll need to check the terms of your policy to make sure you’re covered for really short-term lets.

And while longer-term tenants are likely to take care of the property because it’s their home, visitors staying just a few days are unlikely to be so house-proud. So, you could face more repairs and have to replace items more often, which all eats in to any profit you may make – especially as contents insurance may not cover (for instance) theft or damage caused by paying guests.

Times are changing

When Airbnb started, it was one of the trailblazers of the so-called ‘sharing economy’. But over time, has become more about making money, especially in cities like London where landlords can make more from short-term lets in high-demand areas.

So, while it might be tempting to bend the rules to turn a profit, landlords using Airbnb for traditional lets are being monitored by Airbnb and by lenders, who can easily check up on which of their mortgaged properties are being offered on the site. And even if your lender doesn’t see what you’re up to, your neighbours will, and any bad behaviour from guests could quickly land you in hot water.

So, if you are intent on going down the Airbnb route, make sure you do it by the book to avoid serious issues further down the line.