Know your rights if your landlord defaults on their mortgage
Landlords may lose their property if they fall behind on mortgage payments or rent it out without lender approval
No, if you have a valid tenancy agreement like an assured shorthold tenancy (AST), you have the right to stay until it ends
If the court grants a repossession order, your tenancy continues under the mortgage lender until its term ends
The lender must serve a Section 21 notice, giving you at least two months to vacate the property
A periodic tenancy allows the lender to serve a Section 21 notice at any time with two months' notice
Yes, if it’s in a government-approved scheme, it remains protected and will be returned as usual
Without a valid contract, the lender can seek a court order for eviction, so legal advice is essential
You can apply to court for a delay of up to two months, but a fee may apply
Rent through a professional letting agent to ensure your tenancy is legally secure and protected