'Can I let my flat through Airbnb if I have an ordinary 居住の mortgage?'

By Ross Clark

Updated: 10:40 BST, 27 June 2014

I am thinking of renting out my flat through Airbnb or a 類似の website.

What 関わりあい／含蓄s might this have on my mortgage, which is an ordinary 居住の mortgage rather than a buy-to-let one?

所有物／資産／財産 専門家 Ross Clark replies: You need to read your mortgage 契約.

If it says that you must ask 許可 before letting the 所有物／資産／財産 then you would be technically committing mortgage 詐欺 by failing to do so.

Popular: Airbnb is 提起する／ポーズをとるing a challenge 伝統的な holiday 賃貸しのs - but homeowners might need to be careful over mortgage 支配するs.

Your 貸す人 could theoretically 答える／応じる by calling in your 貸付金, 要求するing you to 支払う／賃金 off your mortgage 即時に.

It is not just your 貸す人 who you need to 接触する: your 保険 政策, too, may 井戸／弁護士席 禁じる you letting the 所有物／資産／財産, exposing you to a 抱擁する loss if your 支払う／賃金ing guest 燃やすd the place 負かす／撃墜する.

Do the 最近の mortgage changes make it harder to 投資する in buy-to-let 所有物／資産／財産s?

Ross Clark replies: The Mortgage Market Review, whose 準備／条項s （機の）カム into 影響 in April, does not 直接／まっすぐに 影響する／感情 buy-to-let mortgages as it was 目的（とする）d at owner-occupiers.

However, you may 井戸／弁護士席 find that 貸す人s will 需要・要求する proof that your 購入（する） is a buy-to-let 投資 and not a sly means of buying yourself somewhere to live.

貸す人s are also 割れ目ing 負かす／撃墜する on 事例／患者s where the tenant turns out to be an 即座の family member.