RENTING? Check your LL has permission to let that property.

Strings

Easy way to get around the consent to let is to fabricate a letter from the bank stating that you have it. The tenant can not access your information at the bank and therefore will never be able to verify it

MissMoneypenny

Strings wrote: »

Easy way to get around the consent to let is to fabricate a letter from the bank stating that you have it. The tenant can not access your information at the bank and therefore will never be able to verify it

No, but they can send a copy of that forged consent to let, to the bank to ask them to verify it. The lender may not respond, but they will be aware then that you are committing fraud. Of course, if you refuse to give a copy of the letter, then the prospective tenant will know that the letter is a forgery.

Is adding 'fraud' to 'obtaining by deception' (taking money for rent when you haven't received permsion form the lender) a good idea?

Superstarsaver

A friend of mine actually got kicked out of his flat a few weeks ago for no fault of his own. Basically, the "landlord" who was also living there had been letting a room to him, but when the council actually figured out that the guy really was subletting illegally (ie it was NOT ex council as my friend had been told and his supposed landlord was actually a tenant of the council), everyone got chucked!

trinity77

Ive just download the details from the landregistery site about the house im due to move in to. It has the registered owners as living at that address but they don't. Does this mean they dont have consent to let?? Or does it just mean that it might not be written on there.

It has the property address......and then underneith it has the registered owners and address, which is showing the same as the property address.

What do i do now?? Help!
Trinity

jd87

Ive just download the details from the landregistery site about the house im due to move in to. It has the registered owners as living at that address but they don't. Does this mean they dont have consent to let?? Or does it just mean that it might not be written on there.

It has the property address......and then underneith it has the registered owners and address, which is showing the same as the property address.

What do i do now?? Help!
Trinity

Sounds like they don't have consent to let.


I've just done a search on the land reg website for the property we are about to start renting and it comes up with two different files. One says Tenure: Leasehold and one says Tenure: Freehold. How do I know which one I want???

Strings

trinity77 wrote: »

Ive just download the details from the landregistery site about the house im due to move in to. It has the registered owners as living at that address but they don't. Does this mean they dont have consent to let?? Or does it just mean that it might not be written on there.

It has the property address......and then underneith it has the registered owners and address, which is showing the same as the property address.

What do i do now?? Help!
Trinity

Hard to say really, they might own the mortgage outright, or they may not have changed the details at the land registry.

Consent to let will have nothing to do with the land registry address as shown.

Bengal_tiger

I'm hoping for a quick reply as I'm looking at renting a property which is available immediately. After I found my current one is on the point of repossession I'm trying to be a bit more canny this time. I am sure there will be a limit to what the estate agent will know or be prepared to tell me so I've ordered the report from the Land Registry for the property, and beneath the property address, the report shows two addresses as the owner's address, one of them the property addresss and the other a different address. The LL only bought the property that he is letting 18 months ago.

Does this sound like a normal buy to let arrangement? Is it worth pursuing the LL or agent for proof of consent to let?

silvercar

Bengal_tiger wrote: »

I'm hoping for a quick reply as I'm looking at renting a property which is available immediately. After I found my current one is on the point of repossession I'm trying to be a bit more canny this time. I am sure there will be a limit to what the estate agent will know or be prepared to tell me so I've ordered the report from the Land Registry for the property, and beneath the property address, the report shows two addresses as the owner's address, one of them the property addresss and the other a different address. The LL only bought the property that he is letting 18 months ago.

Does this sound like a normal buy to let arrangement? Is it worth pursuing the LL or agent for proof of consent to let?

Two addresses sounds like he was originally registered at the property, then registered as living somewhere else. This does suggest that he has a BTL mortgage and registered as living elsewhere, but I'm a bit mystified why the property address remains. It could be a residential mortgage with consent to let (and therefore live elsewhere) given at the outset.

Bit difficult to say really.

RedSoleShoes

Consent to Let just means that your mortgage company can inform Inland Rev about you (the owner) and they get their 'admin' fee for 'letting' someone else live in your property.

From a tenant's point of view, you can still get kicked out if the landlord has CTL or BTL and doesn't pay the mortgage so unless you ask for proof every month that the mortgage is up to date, seeing proof of CTL is not going to do you any good.

For a tenant, your best bet is to make sure your deposit is protected so at least you will get that back.

Lezman

Hey all,

I have a slightly different skew on this subject. I own a flat, the flat above is rented out and I have a nightmare with the tenant who lives in it. Problem is, I can't find out the landlords address to complain as once I went on the Land Registry and it was the address of the let flat.

Now, I'm fed up with the situation and feel the only course of action is to confirm whether he has consent to let and report the landlord, hoping by proxy it will get the tennant out.

How can I do this with just land registry information?

Many thanks