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Your girlfriend is moving in you say?....
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You still have to pay tax over a certain amount from money paid by lodgers, so probably still will have to show it on self-assessment.
https://www.gov.uk/rent-room-in-your-home/the-rent-a-room-schemeBeing a tax resident in germany is complex and usually required an accountant to help so i'd try to keep yourself living in the uk for tax purposes as possible.
When you normally rent in germany you need to prove you're a resident/register at a police station so hard to pretend you're still living in the uk unless you use airbnb long term.
To still be a uk resident you need to spend half the year in the uk (flying days can count for which every country you choose i think)
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I'd say go for it. Rent your place out to cover your mortgage, don't bother declaring it as income, paper works not worth it. I'm usually pretty honest with stuff and dead into paying my taxes but if things are set up badly and a big hassle I'd bin em off. It's rarely checked up on.
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If you were to rent the flat it would invalidate your insurance if you failed to notify your lender. If you tell your lender they will increase your mortgage rate cos it's a rented property and the rules are different. On the other hand if you are popping back and you still pay the bills I dunno how they'd find out.
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laner
chrisbmx116
spindrift
@Sparky
Purely hypothetical, but what would you guys do if you had to move to Germany? I have a friend who said she'd move into my flat, and I'd likely charge her under market rates just to cover my mortgage and service charge. Could I have them as a lodger and keep the flat as my official address, still paying council tax etc, and just get a place in Germany separately? It's likely I'd be back and forward a bit anyway. Would that be the simplest option? Or does that break tax rules or something similar? I don't really want to go the whole landlord option because I'm allergic to paperwork, but I'd also want to do it all above board.
As I say, completely hypothetical...