The UK government has announced the Homes for Ukraine scheme to support refugees fleeing the conflict in Ukraine. We fully support this scheme and have made it as simple as possible for our mortgage customers who want to take part and be a sponsor.
If you're planning to support the scheme to house Ukrainian refugees, we can confirm that we have no objection (and you don't need to notify us) as long as the following applies:
Where you're providing:
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A room (or rooms) in your own home – your guest should be classed as a lodger (meaning they reside with you under a licence rather than a tenancy) and you’ll need to enter into a licence agreement to ensure that all parties are clear on the terms of their arrangement. The Homes for Ukraine scheme has provided a model agreement for you to use (Excluded Licence Agreement: see link below)
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A residential property you own – you do not need to get our consent to this, but you'll need to enter into a tenancy agreement using the model agreement provided by the Homes for Ukraine scheme (Excluded Tenancy Agreement: see link below)
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A Buy to Let property - normal mortgage and letting conditions apply, and you’ll need to enter into a tenancy agreement which either complies with the letting conditions set out your mortgage conditions or follows the model agreement provided by the Homes for Ukraine scheme (Excluded Tenancy Agreement: see below)
If you have any further questions regarding the scheme, please visit the Homes for Ukraine scheme: frequently asked questions - GOV.UK (www.gov.uk)
Home Insurance
If your residential home insurance is with RSA, they have advised us that:
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Where the policyholder is housing a Ukrainian refugee, RSA will not require notification within the first 12 months of the refugee(s) living in the policyholders’ home
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If your policy is with another provider, you should check with them to see if they need to be made aware of any changes.
