united-kingdom mortgage
Letting out a Joint Mortgage House
<p>This question relates to UK law.</p>

<p>If I have a joint mortgage with another person, is it possible to let out that property without that person's explicit consent?  The specific case that I'm thinking of is where the second party no longer contributes to the mortgage, and does not live at the property.  If so, would I be liable for a portion of the income?</p>

<h2>The mortgage is not relevant in the way you think it is</h2>

<p>What matters is who owns the property. The owner(s) of the property must agree with the tenant (or, more likely here, boarder) on the terms. The owner(s) need to agree between themselves how to split the income although for tax purposes it would generally be assessed in proportion to the owner’s shares.</p>

<p>Note that the mortgage may not allow tenants or boarders or may require the permission of the mortgage.</p>
