For landlords · 8 min read
Becoming a landlord in the UK: the complete first-time checklist
Before letting for the first time in England you need consent to let from your mortgage lender, landlord insurance, a valid EPC of at least band E, a gas safety certificate where there are gas appliances, an EICR renewed at least every five years, and working smoke and carbon monoxide alarms. You must check right to rent, protect any deposit in a government-approved scheme within 30 days, serve the prescribed documents, and declare rental income to HMRC. Check whether your council requires a licence — selective licensing applies in many areas and letting without one is a criminal offence.
Frequently asked questions
What do I need to become a landlord in the UK?
Consent to let from your mortgage lender, landlord insurance, an EPC of band E or better, a gas safety certificate where applicable, an EICR every five years, smoke and carbon monoxide alarms, right to rent checks, deposit protection within 30 days, the prescribed documents, and any council licence required for your property.
Do I need a licence to rent out my property?
Possibly. Many councils operate selective licensing covering ordinary single lets, and HMO licensing applies where a property is let to three or more people forming more than one household. Letting a licensable property without a licence is a criminal offence. Check your specific council before advertising.
Do I have to tell my mortgage lender I am renting my property out?
Yes. Letting a property on a standard residential mortgage without consent to let breaches your mortgage terms. Lenders may grant consent to let or require you to move to a buy-to-let product.
How much tax will I pay on rental income?
Rental profit is added to your other income and taxed at your marginal rate; you must declare it through Self Assessment. Individual landlords receive a 20% basic-rate tax credit on mortgage interest rather than deducting it as an expense. Take advice from an accountant.
Can I be a landlord without using an agent?
Yes, and many do. There is no legal requirement to use an agent in England, though the legal duties remain yours either way. See the guide to letting your property without an agent for the full process.
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