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Original poster

Can I secretly rent my house to my son

157 replies

Pinkpanther111 · 22/12/2025 18:19

i am wanting to rent a bungalow. Instead of selling my house my son will pay rent to me.
can I do this without telling anyone?

TIA

OP posts:
Mandylovescandy · 22/12/2025 18:24

If you have a mortgage you are probably supposed to tell your bank and you would need to do self assessment for the income tax

MaggieFS · 22/12/2025 18:24

Who is/are anyone? You will presumably need a tenancy contract with your rental bungalow. Further, it would be prudent to have one with your son; time and time again amicable relationships turn sour and there’s no end of posts on here about the bother it causes, especially when houses or money are involved. Further, you may well have to declare your rental income to HMRC. Also need to do the right thing by council tax. Beyond that, you don’t have to “announce” it, but you will still be listed with the land registry as the owner of your property so if you’re trying to hide from an extreme nosy parker, they could check.

JamesWebbSpaceTelescope · 22/12/2025 18:22

Who don’t you want to tell?

Graciously · 22/12/2025 18:21

of course you can rent a bungalow. You can rent out your house to your son if you want. Naturally you’d need to declare the rent to the tax man. But it’s fine to rent something and rent out your own house. People do it all the time

InOverMyHead84 · 22/12/2025 18:21

If his rent is paying for your ongoing rent, oh, HMRC would be all over that. Even if he is just paying you any kind of rent, it's taxable income.

TidyCyan · 22/12/2025 18:21

If you have a mortgage, you need to tell your lender.

zipadeedodah · 22/12/2025 18:20

I think you might have to tell HMRC but you'll have to check that.