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What to consider before letting your property

When considering letting your property there is a lot to think about. You may have questions about where to start and your responsibility as a landlord. We have compiled the list of key points below to help but we are always just a phone call away for further advice!


First things first, if the property is mortgaged it is crucial to check that your mortgage allows you to let out your property. Certain mortgages contain clauses restricting you from renting the property out so if you aren’t sure if your mortgage is one of these make sure you speak to your lender or mortgage broker to find out.


Once you have confirmation that you are able to let out the property it is best to research the lettings market in your area. Most people start their research online to establish what comparable properties are being let for and get an idea of the income they could generate from their own property. Lettings agents are the experts in this so we recommend you speak to local agents & get a market appraisal booked. At first glance, a particular agent may have plenty of properties on the market however it is important to look at how long these properties have been on the market and which agents have properties under offer. All Landlords want to avoid void periods so it is important you choose an agent who can find you a tenant quickly.

Furnished of unfurnished

Over 80% of our properties are let unfurnished and this is certainly the preferred option currently for most tenants. If you are able to find another home for your furniture we would recommend listing unfurnished as this will open the property up to more applicants, however, if this is not an option we can certainly market the property as furnished. Unfortunately there is only a minimal price difference between furnished and unfurnished currently.

Your responsibilities

It is important to make sure that the property is safe for a tenant to move into. You should check the property and garden for any lose fittings that could be dangerous for the tenants and generally make sure that the property is in good order for letting. Also ensure that the property is clean for when the tenant moves in.

It is currently the landlords legal obligation to have the following certificates;

  • Electrical Installation Certificate Report
  • Gas Safety Certificate
  • Energy Performance Certificate
  • Smoke Alarm & Carbon Monoxide Detector

*legislation changes regularly so always double check your legal obligations with your lettings agents at the time of letting your property.


It is important that your current buildings and contents insurer is made aware of your intention to let your property, as your policy may need to be amended. Consider also arranging landlord insurance, which will cover any financial losses connected with your rental property. Whilst landlord insurance isn’t a legal requirement, it is advisable as the policy will protect the building, your tenants and your investment.

Rent Guarantee 

We set this up for our managed Landlords to protect them financially should their tenant fall into arrears. You never know when a tenants financial situation could change, for example a surprise loss of work. We recommend this to all Landlords to avoid any potential loss of income.

We hope that you have found the above helpful. This is just a summary of key points to consider so if you have any further questions, or would like to find out the rental value of your home, give us a call on 01923 726100 or email lettings@sewellgardner.com. 

Jackie Simpson

Jackie Simpson
Property Marketing Manager