We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Can I rent a flat with agency with bad credit history with partner as Guarantor
dx052
Posts: 384 Forumite
I lam looking to rent a flat through an agency with my partner however I have some bad credit history not through renting but other stuff. (credit cards etc) My partner has a clean history but I want the flat in my name only if possible as I am going to be paying the rent. As my job looks like it could be a bit flaky compared to my partners and would need to be able to claim housing benefit if I come across hard times for a while. Don't really know the best approach to do the whole thing. Many Thanks
0
Comments
-
If you're living with a partner who is working you are very unlikely to be able to claim any LHA/Housing Benefit if you become unemployed, so that plan may not work. LHA/HB will be calculated on joint-income, so your partner may need to be on a very low wage to qualify for any help.
A "clean history" is not the whole picture: landlords and their agents will also be looking at affordability. How about your partner rents the property in their name only with you named as a "permitted occupant". That way, you might not have to be credit-checked.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.6K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards