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Thanks for your question. I am a solicitor in Scotland and can help you with your question today. If your lender allows it then you can do it, subject to registering as a landlord with the council. You do not a multiple occupancy licence but you do need a landlord registration. I hope this helped you today. Please do let me know if I can clarify anything, I am always happy to help.
I understood you to say that the lender allowed you to rent a room?
Usually a lender would say that the accommodation must satisfy health and safety and other rules and regulations whether statutory or by the local authority. Your IFA will be able to check the requirements of the lender you apply to. I hope this helped you today. Please do let me know if I can clarify anything, I am always happy to help.