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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.
spindrift
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...