Best way to go with regards to renting

xmaslolly76

OK i Currently rent a very nice 3 bedroom house in the west midlands. rent is always paid on time and i have had no problems with the landlord or the neighbours. i am due to have another baby in september and my partner is moving in with me a little after this. the thing is we would really like to move to rugby to be closer to his work and family. i have no family left where i am and as i dont plan to go back to work once this flump is born ther is very little to keep me where i am.

My problem is we have both had houses repossesed due to splits with previous partners and i have a mountain of bad debt to creditors like club books loans and credit cards. There is no way we will ever pass a credit check for the usual lettings agents and i fear in the current climate we will not be offered anything by rugby council as we are a working family in a good house we are not classed as a priority in any way shape or form.

Do any of you have any sugesstions of which way we should go about getting a rented property in rugby with out us ending up in some doghole slum with a landlord from hell who doesnt do credit checks. I want to start loking inot the whole thing now. My current tenancy doesnt end until april and we are happy to wait until then to move what with the new baby and everything. Would my current let be taken into account by some of the high street lettings agencies as i have lived here for nearly 4 yrs with no problems with the rent or bills and we look after the house really well.

Sorry this is so long winded but thank you if you managed to get this far :-)

Jowo_2

Can you offer a guarantor, someone with an excellent credit record who owns property in the UK or has a good income?

And are you in the position to offer more than 1 months rent in advance?

These kinds of things will help overcome an adverse credit rating and may be able to tempt landlords who would normally never consider anyone who fails a credit check.

Indeed, some landlords will only consider tenants in your position with one or both of the above conditions.

xmaslolly76

I could probably get a couple of months rent up front along with the deposit but obviously with the new baby things are going to be really tight. His parents may be willing to be gaurantors but we would have to ask them although they dont own ther own house they have lived there for 20 years with no rent problems and have a clean credit record.

Jowo_2

ok, well I guess those are your back-up options to offer if you hit any resistence because of your credit records.

i know that your previous record of paying rent and bills bodes well but those 2 options are a help.

For example, your past record for paying rent could be ignored as being irrelevant to how you may perform in the future (you've already indicated your income is going to be under pressure) when compared to offering a guarantor, which gives the landlord complete assurance for the future.

G_M

creditors like club books loans

!!

I'm afraid many LLs would, like me, consider you a poor risk. If you take on loans like this there is clearly a high risk the rent will fall behind and LLs are always interested in protecting their investments and ensuring their mortgages are paid.

Your best bet is to get your creditors paid off and build up your credit rating again.

xmaslolly76

I didnt build the debts up flipantly they were acrrued over a 14yr marriage that didnt end amicably i was a little stupid in having it all in my name but you live and learn and once a single mother i have worked hard and strived to put things right but it is a loosing battle. I do make sure that everything that is essential gets paid on time ie rent and bills. Rebuilding my credit rating will take years not months. It so flaming annoying as the house was voluntraily handed back as the ex would rather buy new cars than pay the bloody mortage and i was i no position to help him bringing up two children and funding a home all on my own. The !!! wouldnt move out either as with current interst rates i would have being paying less mortgage than i am rent at the moment and may have given us time to sell. Sorry about the rant it just boils my blood that i am now in this situation and he is swanning off in his 20k cars doing what the hell he likes when he likes

xmaslolly76

Thanks jowo

Our income will only drop for the few months i am on maternity pay after that with what i can claim and the new partners wage can you believe we would actually be better off due to astronmical childcare fees i curently have to pay. It will just mean that saving those extra few hundred pounds for extra rent would be hard at that particular time Also if we move to rugby his work will be a ten minute bike ride away instead of the hr it is now saving us £200 in petrol every month. I hope that makes sense :-)