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Renting out a room to a lodger

111 replies

Spegit · 11/07/2023 18:29

We've just applied for a mortgage and things are SO much worse than when we first started down this road with selling our place and looking for a new one a few months ago. The interest rate we've managed to get is close to 6% for a 3-year fixed term and it is hundreds more per month than we expected. It's still do-able financially but I'm thinking about whether we should consider renting out a room to a lodger. It would potentially work quite well because the top floor has a bathroom and so the person could have a top floor room and their own bathroom. The house is four bedrooms and there are just two of us plus two cats and a dog. We both work from home a lot so wanted to each have a study, which we could still have. (We were looking for a 3-bedroom house but have ended up going for a 4-bedroom one.)

Just wondering if anyone has any experience to share of renting a room to a lodger. Would be interested to hear any views. We're in our late 40s, no kids. It's 20 years since I was last in a houseshare but I did really enjoy it. Of course I get that this wouldn't be a houseshare... anyway, interested in any views and/or stories.

OP posts:
DinoSaw · 11/07/2023 18:38

Are you in a location that might lend itself to a weekday lodger? Lots of people (contractors mainly) will have a home base and then lodge near wherever their contract is in the week.

Spegit · 11/07/2023 18:41

DinoSaw · 11/07/2023 18:38

Are you in a location that might lend itself to a weekday lodger? Lots of people (contractors mainly) will have a home base and then lodge near wherever their contract is in the week.

We're in SE London (zone 3) so I guess the answer is yes? I hadn't considered a weekday lodger.... need to give that some thought.

OP posts:
Jongleterre · 11/07/2023 18:42

Make sure your mortgage provider allows you to rent a room out and also your home insurance company etc.

Spegit · 11/07/2023 18:52

Jongleterre · 11/07/2023 18:42

Make sure your mortgage provider allows you to rent a room out and also your home insurance company etc.

Good point!

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JamMakingWannaBe · 11/07/2023 19:49

We currently rent our en suite spare room to a Dr who works at the local hospital. He stays 3 nights a week when he's on lates.
Previously we have rented to student Dr's on placement and medics moving to our area who need a base while they find more permanent accommodation.
We tend to advertise through SpareRoom but as we are well established also word of mouth.
It has worked really well for us. We have permission from our mortgage lender, gas safety certificate and fire and CO2 alarms and lodger insurance but new rules in Scotland mean it's not going to be feasible much longer unfortunately.

Saracen · 13/07/2023 02:21

Having a lodger was fantastic for us. Over the years, the rent payments he made added up to a third of what we'd paid for the house! He was a great guy too.

When you have a lodger, you hold all the cards. If you have someone you don't get on with, you aren't stuck with them as you would be with a flatsharer. That means it is very little risk.

Spegit · 13/07/2023 06:34

Saracen · 13/07/2023 02:21

Having a lodger was fantastic for us. Over the years, the rent payments he made added up to a third of what we'd paid for the house! He was a great guy too.

When you have a lodger, you hold all the cards. If you have someone you don't get on with, you aren't stuck with them as you would be with a flatsharer. That means it is very little risk.

That sounds great. How did you find him - did you advertise on a website?

OP posts:
KievLoverTwo · 13/07/2023 13:14

Spegit · 13/07/2023 06:34

That sounds great. How did you find him - did you advertise on a website?

Spare Room is the go to for Lodgers in London. Possibly also open rent. I think Spare Room can also sell you a standard lodger agreement (wh smith might do them too).

Weekday only lets are very common in London, staying Monday (or maybe Sunday, am unsure) night to Thursday night, not there Fri, Sat, Sun. Yours will be attractive given they will have their own floor. Even more so if you are close to good transport links.

Take advice on how to go about reference/credit checks. Search on here for legal requirements. You might need a gas safety cert every year, smoke alarm, maybe even fire exits or doors (not sure on those).

Spegit · 13/07/2023 13:17

KievLoverTwo · 13/07/2023 13:14

Spare Room is the go to for Lodgers in London. Possibly also open rent. I think Spare Room can also sell you a standard lodger agreement (wh smith might do them too).

Weekday only lets are very common in London, staying Monday (or maybe Sunday, am unsure) night to Thursday night, not there Fri, Sat, Sun. Yours will be attractive given they will have their own floor. Even more so if you are close to good transport links.

Take advice on how to go about reference/credit checks. Search on here for legal requirements. You might need a gas safety cert every year, smoke alarm, maybe even fire exits or doors (not sure on those).

Brilliant - thanks v much indeed for all the pointers.

OP posts:
Gettingbysomehow · 13/07/2023 13:25

I've had loads of lodgers over the years for short periods. I advertise on spare room.co.uk.
Always get references, make sure you have a contract.
Specify what is and isn't exceptable i.e alcohol in the house, using your appliances.
I agree with the others, try and get a weekly person, full time person in your house is awful.
I've had an alcoholic, a biker chick who had a bikers party in my house and wrecked the whole place while I was away one weekend, a woman from Norway who stole all my jewellery and one or two nice people.
Don't undercharge, if its too cheap they will not respect you and will lead you a merry dance.
Make sure the rent is paid on time every month, no deciding suddenly to pay weekly.
I have a clause in my contracts that says if the rent is not paid on time by a certain day they can be asked to leave without notice because of all the non payers I've had.

Lastqueenofscotland2 · 13/07/2023 13:33

I’ve had lodgers over the years, always used spare room.
I think the key to success is being absolutely clear upfront what you expect, ie guests yes or no, how much space in the kitchen they get, can they have meat/alcohol, do you want them to bring their own pans, any rules about heating/electric use, are you happy to share cleaning products etc or will they have to buy their own, what bits of the house you don’t want them to go in. So on so forth.

Having to implement rules as you go is a nightmare so have a really good think about everything.
And yes you will need to tell your mortgage provider, get a GSC etc so have a good look through the regulations

KievLoverTwo · 13/07/2023 13:35

Spegit · 13/07/2023 13:17

Brilliant - thanks v much indeed for all the pointers.

Np. A few other potential areas you might want to think about to avoid conflict.

Meal times. Discuss in advance what times you generally eat and wash up and agree general cooking times with a bit of flex. It was bloody infuriating for me to have to wait until 8.30pm every single night to even begin cooking.

Number of pots, pans, plates available. Having to wait for someone to wash up when you're starving is not ideal.

Cleaning. It's quite common for houseshares in London to have a cleaner. Personally, if I was paying £550-600 a month for a room I'd far rather chuck on an extra £50-100 to not have to get involved with any cleaning of the house, especially if I was only living there Monday night to Friday morning. But, obviously, you have to get an actual cleaner in! Maybe you could just get them to do kitchens and bathrooms.

Fridge and freezer space. Allocated shelves.

Storage space. Space in garage or alleyway, e.g. for bikes.

Access to common parts, e.g. garden, lounges, dining rooms. Being a lodger and having to eat in your room every night is pretty lonely imo. An extra space would have really helped.

Visitors. You'd be amazed the number of complaints I've seen from housesharers where they've got home and x person's mates from Australia suddenly turns up and don't leave for a month, costing a fortune in electricity and clogging up the kitchen when folks want to eat and taking over the lounge and TV. A few nights: okay. More than 3: to be discussed and agreed in advance.

Have a look at other adverts to get a sense of what some of them are saying. Some of them are absolutely ridiculous with their list of rules. Don't be that person! :)

Spegit · 13/07/2023 20:49

Gettingbysomehow · 13/07/2023 13:25

I've had loads of lodgers over the years for short periods. I advertise on spare room.co.uk.
Always get references, make sure you have a contract.
Specify what is and isn't exceptable i.e alcohol in the house, using your appliances.
I agree with the others, try and get a weekly person, full time person in your house is awful.
I've had an alcoholic, a biker chick who had a bikers party in my house and wrecked the whole place while I was away one weekend, a woman from Norway who stole all my jewellery and one or two nice people.
Don't undercharge, if its too cheap they will not respect you and will lead you a merry dance.
Make sure the rent is paid on time every month, no deciding suddenly to pay weekly.
I have a clause in my contracts that says if the rent is not paid on time by a certain day they can be asked to leave without notice because of all the non payers I've had.

Who would the references be from? Sorry if this is a daft question...

OP posts:
Spegit · 13/07/2023 20:51

KievLoverTwo · 13/07/2023 13:35

Np. A few other potential areas you might want to think about to avoid conflict.

Meal times. Discuss in advance what times you generally eat and wash up and agree general cooking times with a bit of flex. It was bloody infuriating for me to have to wait until 8.30pm every single night to even begin cooking.

Number of pots, pans, plates available. Having to wait for someone to wash up when you're starving is not ideal.

Cleaning. It's quite common for houseshares in London to have a cleaner. Personally, if I was paying £550-600 a month for a room I'd far rather chuck on an extra £50-100 to not have to get involved with any cleaning of the house, especially if I was only living there Monday night to Friday morning. But, obviously, you have to get an actual cleaner in! Maybe you could just get them to do kitchens and bathrooms.

Fridge and freezer space. Allocated shelves.

Storage space. Space in garage or alleyway, e.g. for bikes.

Access to common parts, e.g. garden, lounges, dining rooms. Being a lodger and having to eat in your room every night is pretty lonely imo. An extra space would have really helped.

Visitors. You'd be amazed the number of complaints I've seen from housesharers where they've got home and x person's mates from Australia suddenly turns up and don't leave for a month, costing a fortune in electricity and clogging up the kitchen when folks want to eat and taking over the lounge and TV. A few nights: okay. More than 3: to be discussed and agreed in advance.

Have a look at other adverts to get a sense of what some of them are saying. Some of them are absolutely ridiculous with their list of rules. Don't be that person! :)

It's a minefield. I've go this romantic notion of sharing our house with someone interesting who it'd be nice to chat to and who would appreciate our dog (and occasionally take him for a walk! cheeky??) but I can see that I may be very naive.

OP posts:
Spegit · 13/07/2023 20:53

Gettingbysomehow · 13/07/2023 13:25

I've had loads of lodgers over the years for short periods. I advertise on spare room.co.uk.
Always get references, make sure you have a contract.
Specify what is and isn't exceptable i.e alcohol in the house, using your appliances.
I agree with the others, try and get a weekly person, full time person in your house is awful.
I've had an alcoholic, a biker chick who had a bikers party in my house and wrecked the whole place while I was away one weekend, a woman from Norway who stole all my jewellery and one or two nice people.
Don't undercharge, if its too cheap they will not respect you and will lead you a merry dance.
Make sure the rent is paid on time every month, no deciding suddenly to pay weekly.
I have a clause in my contracts that says if the rent is not paid on time by a certain day they can be asked to leave without notice because of all the non payers I've had.

Another question: where did you get your contract from? Sorry if you said and I missed it.

OP posts:
Keykat · 13/07/2023 20:58

Do lodgers actually need a contract? It's not like a tenant surely. Maybe just house rules and notice (short I would imagine!), but I don't know.

KievLoverTwo · 13/07/2023 21:00

Spegit · 13/07/2023 20:51

It's a minefield. I've go this romantic notion of sharing our house with someone interesting who it'd be nice to chat to and who would appreciate our dog (and occasionally take him for a walk! cheeky??) but I can see that I may be very naive.

Haha, aww, I am sure you will be fine. Just tell candidates you would like to meet them for a chat, sit them down for a cuppa and then you can figure out if they're a psycho alcoholic partyhard liability or a tired commuter who wants a glass of wine, the odd shared takeaway and collapsing watching antiques roadshow or whatever your thing is.

Spegit · 13/07/2023 21:03

Keykat · 13/07/2023 20:58

Do lodgers actually need a contract? It's not like a tenant surely. Maybe just house rules and notice (short I would imagine!), but I don't know.

That's what I thought! But a couple of people have referenced contracts...

OP posts:
user1494050295 · 13/07/2023 21:08

Maybe a grad student who you know will be there for a year and then move

Spegit · 13/07/2023 21:17

user1494050295 · 13/07/2023 21:08

Maybe a grad student who you know will be there for a year and then move

Good idea!!

OP posts:
Babysharkdoodoodood · 13/07/2023 21:26

When I rented a room (working away temporarily) I used spare room. No contract required. Just chatted about do's and don'ts.

She was a nurse and me, police, and our shifts never meshed so it was like I had the house to myself most of the time. Only bedrooms (obviously) off limits and I fed the cat when I was there.

Occasionally had the odd takeaway together. It was like a holiday from real lifeGrin

Spegit · 13/07/2023 21:53

Babysharkdoodoodood · 13/07/2023 21:26

When I rented a room (working away temporarily) I used spare room. No contract required. Just chatted about do's and don'ts.

She was a nurse and me, police, and our shifts never meshed so it was like I had the house to myself most of the time. Only bedrooms (obviously) off limits and I fed the cat when I was there.

Occasionally had the odd takeaway together. It was like a holiday from real lifeGrin

Sounds like a great match.

OP posts:
Anskl · 13/07/2023 22:47

When I bought my first house in my twenties I rented out my spare room to help with living costs. I advertised on Spareroom and soon found a lodger. She was tidy, quiet, respectful of my house rules, and always paid her rent on time so in many ways ideal. However, I almost immediately regretted it.

My lodger had moved to the UK alone for work due to a recession in her home country. Because English wasn't her first language she came across as very blunt and critical about things in the house she wanted changing. She was so homesick she spent most evenings crying. I tried my best to make her feel at home but she didn't want to engage so I retreated to my bedroom to avoid awkward encounters. It didn't feel like my home either, more like a houseshare.

Her initial contract was for six months and she hoped to renew it but by that point, my best friend had split up with her partner and needed somewhere to live. I was optimistic that living with someone I gelled with would work out better. Well... by the time said friend moved out 18 months later, we were no longer on speaking terms.

I was away one weekend and received a message from her to say her mate (who I didn't know) had come to stay for a bit because she'd had a breakdown and needed to get back on her feet. By the time I got home this random woman already had a key to my house which my friend had got cut without my permission. I told my friend I would have appreciated it if she'd at least asked, not assumed, and got back, "We always help each other out though!"

Days turned into weeks and this random houseguest made no effort to get to know me. She spent all day lounging around while my friend and I were at work, using my gas, electricity, and water, with no indication she was actively looking to find a place of her own. Because the rent I charged my friend included a fixed cost for bills I was out of pocket. After a month I raised this – My friend had the audacity to make out I was the unreasonable one because as a homeowner I was in "a position of privilege" whereas they were struggling in comparison. If my unwanted guest had offered to contribute I wouldn't necessarily have accepted but the assumption I would absorb the costs jarred.

I'd never argued with my friend before, but things exploded. The only plus side to this was that the random woman got the hint and moved on. My friend moved out too a few months later, having met a new man who had a place of his own. Things had deteriorated so much by that point that we didn't even say goodbye and I haven't seen or spoken to her in the ensuing 16 years, despite maintaining a close friendship with her sister.

I was done with lodgers, having tried the friend route and a more formal arrangement. Despite the financial stretch, I chose to live alone after that, which was blissful in comparison. Eventually, my now husband moved in and fortunately, that's one living arrangement that has worked out!

I don't wish to be overly negative and good luck if you do choose to go ahead with getting a lodger. I just wanted to share my experience of the pitfalls.

Spegit · 15/07/2023 21:15

Anskl · 13/07/2023 22:47

When I bought my first house in my twenties I rented out my spare room to help with living costs. I advertised on Spareroom and soon found a lodger. She was tidy, quiet, respectful of my house rules, and always paid her rent on time so in many ways ideal. However, I almost immediately regretted it.

My lodger had moved to the UK alone for work due to a recession in her home country. Because English wasn't her first language she came across as very blunt and critical about things in the house she wanted changing. She was so homesick she spent most evenings crying. I tried my best to make her feel at home but she didn't want to engage so I retreated to my bedroom to avoid awkward encounters. It didn't feel like my home either, more like a houseshare.

Her initial contract was for six months and she hoped to renew it but by that point, my best friend had split up with her partner and needed somewhere to live. I was optimistic that living with someone I gelled with would work out better. Well... by the time said friend moved out 18 months later, we were no longer on speaking terms.

I was away one weekend and received a message from her to say her mate (who I didn't know) had come to stay for a bit because she'd had a breakdown and needed to get back on her feet. By the time I got home this random woman already had a key to my house which my friend had got cut without my permission. I told my friend I would have appreciated it if she'd at least asked, not assumed, and got back, "We always help each other out though!"

Days turned into weeks and this random houseguest made no effort to get to know me. She spent all day lounging around while my friend and I were at work, using my gas, electricity, and water, with no indication she was actively looking to find a place of her own. Because the rent I charged my friend included a fixed cost for bills I was out of pocket. After a month I raised this – My friend had the audacity to make out I was the unreasonable one because as a homeowner I was in "a position of privilege" whereas they were struggling in comparison. If my unwanted guest had offered to contribute I wouldn't necessarily have accepted but the assumption I would absorb the costs jarred.

I'd never argued with my friend before, but things exploded. The only plus side to this was that the random woman got the hint and moved on. My friend moved out too a few months later, having met a new man who had a place of his own. Things had deteriorated so much by that point that we didn't even say goodbye and I haven't seen or spoken to her in the ensuing 16 years, despite maintaining a close friendship with her sister.

I was done with lodgers, having tried the friend route and a more formal arrangement. Despite the financial stretch, I chose to live alone after that, which was blissful in comparison. Eventually, my now husband moved in and fortunately, that's one living arrangement that has worked out!

I don't wish to be overly negative and good luck if you do choose to go ahead with getting a lodger. I just wanted to share my experience of the pitfalls.

Thanks for sharing. Food for thought.

OP posts:
Twiglets1 · 16/07/2023 06:55

You could contact your local uni accommodation office to see if they want to add you to their books. They will have students looking for rooms in houses and you could stipulate that you only wanted a postgraduate student if you want or only want a student to be there during the week. The good thing about that would be you could also stipulate term time only if you want (less money over the year but at least you get regular breaks from the lodger and they won't want to stay too long as their course won't be a permanent thing.

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