Want to rent my flat, but no buy-to-let mortgage...?

clutton_2

carolt - whether the LL has told the lender or not - if s/he has not paid the mortgage and is being repossessed you are quite right - you as the tenant would have had

" no rights at all in the case of repossession ""

its no wonder LLs dont tell lenders if they want £5k for a "computer say yes"!

stuart30

barnaby-bear wrote: »

I've grassed LLs up - just to cause trouble because they've been rubbish at many aspects - usually at the end of a tenancy, also tended to tell the tax people as this sort of muppet usually not doing what they should there; lots of tenants check land registry to work out mortgage company and assess stability and royal mail forwarding isn't very good so mortgage correspondence usually slips through and is quite obvious....

wow well aint you just lovely....still you know what they say "do unto others as you would have others do to you""

Hope its not too long before someone grasses on you...;)

barnaby-bear

stuart30 wrote: »

wow well aint you just lovely....still you know what they say "do unto others as you would have others do to you""

Hope its not too long before someone grasses on you...;)

Exactly so if someone has removed my stability and security of tenure so I could have no notice or failed to maintain their side of the contract by maintaining the property and adhering to the correct legislation and has been defrauding their mortgage company or the tax system which affects everyone what other means of comeback does a tenant have to encouage decent behaviour? I've never lost a deposit or had to pay damages and have returned properties in better condition than supplied and paid rent on time keeping to my side of the contract. If I had caused damage or failed to pay LLs would have the right and avenues of criminal damage and court system to pursue me and rightly so. Renting without permission to let renders the AST notice effectively worthless so the LL is fraudulently entering a contract to provide something they can not, what redress should tenants take?

silvercar

barnaby-bear wrote: »

Exactly so if someone has removed my stability and security of tenure so I could have no notice or failed to maintain their side of the contract by maintaining the property and adhering to the correct legislation and has been defrauding their mortgage company or the tax system which affects everyone what other means of comeback does a tenant have to encouage decent behaviour? I've never lost a deposit or had to pay damages and have returned properties in better condition than supplied and paid rent on time keeping to my side of the contract. If I had caused damage or failed to pay LLs would have the right and avenues of criminal damage and court system to pursue me and rightly so. Renting without permission to let renders the AST notice effectively worthless so the LL is fraudulently entering a contract to provide something they can not, what redress should tenants take?

Buy their own place so they don't have to pamper to the whim of a landlord.

carolt

silvercar wrote: »

Buy their own place so they don't have to pamper to the whim of a landlord.

What a helpful comment.

You going to provide the deposit and guarantee the mortgage personally, are you?

So the rental market should disappear because tenants can't rely on their AST's having any legal standing because some individuals like the OP wish to act illegally?

Or maybe, just maybe, we could try to explain to the OP that s/he should only become a landlord if they are prepared to do it legally?

drbeat

Hmm...why not just sell up?

Tassotti

Insurance companies will try to get out of paying out.

If something happens and they go to the lender and find out that you don't have 'permission to let' they won't pay out.

You will be lumbered.

silvercar

carolt wrote:

What a helpful comment.

You going to provide the deposit and guarantee the mortgage personally, are you?

So the rental market should disappear because tenants can't rely on their AST's having any legal standing because some individuals like the OP wish to act illegally?

Or maybe, just maybe, we could try to explain to the OP that s/he should only become a landlord if they are prepared to do it legally?

I was just making the point that it is not possible to be 100% secure in your tenancy; if you want that level of security you need to buy your won place and then be responsible for the mortgage.

Insurance companies will try to get out of paying out.

If something happens and they go to the lender and find out that you don't have 'permission to let' they won't pay out.

You will be lumbered.

Not sure if that is true, my policy makes no mention of having the lender's consent, though it does insure the lenders interest in the property.

When I took out the insurance, the agent asked the name of the lender (in order to register their interest), they never asked if I had consent.

The government is very good at introducing rules and regulations for landlords eg tenant deposit scheme etc. The government could very easily tell lenders to supply a certificate to BTLers to say that they have consented to tenancies on the property. All they would need to show would be the property address and that the mortgage was paid to date and that tenancies were allowed. Tenants could then ask to see an upto date certificate.

barnaby-bear

silvercar wrote: »

Buy their own place so they don't have to pamper to the whim of a landlord.

Ummm why should the rental market be any different from other services/products. You know as well as I do some people need to use this service and can not buy just like some people are too stupid to be able to change an exhaust / cam-belt or their brake disks etc but if they use the services of a garage and mechanic I wouldn't expect oh I've taken your money but cash flows a bit tight will have to wait a couple of months until I buy the part in... or for your brake pads to have been wrongly and dangerously fitted and for you not to seek redress..... or if the police didn't stick to the law and procedures and refused to investigae an assault on you/your family would you grass them up or expect to form your own private army/police force.... where do you stop "go get your own country"???

barnaby-bear

silvercar wrote: »

The government is very good at introducing rules and regulations for landlords eg tenant deposit scheme etc. The government could very easily tell lenders to supply a certificate to BTLers to say that they have consented to tenancies on the property. All they would need to show would be the property address and that the mortgage was paid to date and that tenancies were allowed. Tenants could then ask to see an upto date certificate.

I don't see why a decent professional landlord would object to this. IF you are doing a decent job and treating people fairly in whatever course having the right paperwork demonstrates a quality product and professionalism that means a tenant may well be more flexible about viewing when leaving/waiting a bit longer if a repair is genuinely proving difficult to service.... being messed around with a LL hiding behind a muppet LA just annoys people