Name: AD Signature Homes Co
Address: GB
Price range: ££

Question 1

What insurance do I need?

Accepted Answer

Standard landlord insurance usually doesn't cover short-term letting. Under co-hosting you'll need specialist short-let or holiday-let insurance — we can point you to providers. Under guaranteed rent we hold our own public liability and contents cover; you keep buildings insurance in place with the insurer informed.

Question 2

Who pays the utilities?

Accepted Answer

With co-hosting, utilities and broadband stay in your name and are covered from rental income. With guaranteed rent, we take over utilities, broadband and TV licence for the length of the agreement.

Question 3

Who pays council tax or business rates?

Accepted Answer

Under guaranteed rent we are responsible for council tax during the term. Under co-hosting the owner remains liable; properties available for 140+ nights and let for 70+ nights a year in England may qualify for business rates instead — we'll talk you through it.

Question 4

What contract will I sign?

Accepted Answer

Co-hosting uses a flexible management agreement with a clear notice period. Guaranteed rent uses a company let, typically 3–5 years, with a fixed monthly rent and break clauses agreed upfront.

Question 5

What happens if a guest causes damage?

Accepted Answer

Guests are screened, and every booking carries a security deposit or platform damage protection. We inspect after every stay and handle claims and repairs. Under guaranteed rent we return the property in the condition received, fair wear and tear excepted.

Question 6

Is short-term letting allowed where my property is?

Accepted Answer

Rules vary: Greater London limits entire-home short lets to 90 nights a year without planning permission, Scotland requires a short-term let licence, and some leases or mortgages restrict subletting. We check all of this with you before taking a property on.

Question 7

Do I need my mortgage lender's permission?

Accepted Answer

Usually yes. Most residential and buy-to-let mortgages require lender consent for short-term or company lets. We'll help you raise it with your lender.

Your questions, answered

What could your property earn?