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RENTING? Check your LL has permission to let that property.
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Bumping this as once again there are threads about tenants who pay their rent and then find out the landlord didn't pay the mortgage or have consent to let!RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0 -
Many thanks to the MSE team for making this a sticky. It's good news for tenants and the good landlords.RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0 -
Informed the lender yes, but probably not informed land registry.
Agree with the rest of your post BTW.
Question: What proof can a landlord provide to a tenant?
Hi,
I think lanlord can provide a rental agreemant to a tennant also can provide a registry photocopy to it as, I guess it will helpful.
Thanks!0 -
i have checked my LL and he has 2 addresses. One being the address of which i going to rent. Does this mean he had permission to rent0
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i have checked my LL and he has 2 addresses. One being the address of which i going to rent. Does this mean he had permission to rent
If you have checked the deeds of the property you are going to rent and that shows the address of the landlord as being different to the property address then it suggests that he had permission to rent. At the very least it shows that the Land registry knows the landlord has a different correspondence address. Does it also show a charge on the property from a mortgage lender? if so it is likely that the lender knows the landlord isn't residence. There is always the chance that the lender thinks that the landlord has two residences, nothing is foolproof.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0 -
i have checked my LL and he has 2 addresses. One being the address of which i going to rent. Does this mean he had permission to rent
Why not just ask your landlord to show you proof that he has received consent to let while you are in the property and ask to be given a copy of it for your records.
If he can't produce it, then he hasn't got consent.0 -
Govt Reneges on help for Tenants in LL Repossession Cases
http://forums.moneysavingexpert.com/showthread.html?t=2099887
As there is no new legislation on the way it remains important for tenants to check for consent to let to ensure the tenancy is binding on the landlord's lender so the above problems can be avoided.0 -
If you have checked the deeds of the property you are going to rent and that shows the address of the landlord as being different to the property address then it suggests that he had permission to rent. At the very least it shows that the Land registry knows the landlord has a different correspondence address. Does it also show a charge on the property from a mortgage lender? if so it is likely that the lender knows the landlord isn't residence. There is always the chance that the lender thinks that the landlord has two residences, nothing is foolproof.
Hi,
I found it beneficial and very helpful as, I will again confirm it with my lender as, it might possible that he will let me know about this.
I must say thanks to you for letting this know.0 -
I have posted a thread which has progressed into this area and think it asks some good questions so i thought i'd summeries the issue into this thread to get some opinions from people who know more about this gray area.
the situation happened to my neighbours yesterday evening
If a Mortgage company has began procedings to repossess a property which the LL has a BTL mortgage on, but prior to them taking physical possesion of the property the LL rents it out to tenents.
The courts issue a letter to the property but prior to the Tenents moving in, so the tenents first awareness of the issue is when 6 weeks later the baliefs take the door down and repossess the house leaving the tenents homeless.
the tenents were given the number of a lettings agency that would be given the keys so that they can collect their belongings the following day.
The tenents are the real victims in this despute between a LL and mortage company, and the LL is clearly at fault.
But my question is:
What rights do the tenents have, are they just illegal occupiers?
Is this legal, has the mortgage company acted within the rules?
Thats a lot for taking the time to read0 -
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