Fed up of renting, cant get a mortage, do we have any other options?

Yorkie1

LL does need to know.

Otherwise how can he be sure that the house is clean and fit for renting to the next tenants? Allergies to cat fur? Fleas?

What an irresponsible attitude.

HappyMJ

Yorkie1 wrote: »

LL does need to know.

Otherwise how can he be sure that the house is clean and fit for renting to the next tenants? Allergies to cat fur? Fleas?

What an irresponsible attitude.

I need a roof over my head. I will not be putting a cat to sleep because all landlords refuse to let to tenants with a cat. Yes it is a breach of tenancy and I'll take that. I do clean the property when I leave. All cat fur is removed. All fleas removed. Cat has drops. Carpet is sprayed. I don't care about next tenants. Whilst I rent it it's my home.

ACG

I may have missed it but by bad credit how bad are we talking?
Their are ex-bankrupts that can get mortgages so for you to not be able to get a mortgage means your either applying to the wrong companies or there is something REALLY bad in your past.

Either way, speak to a mortgage advisor, stop making applications until you have as your doing more harm than good.
You may also be able to get your partner on the mortgage but it depends on the lender.

Mickygg

david29dpo wrote: »

And no wonder tenants get a bad name.

Hardly the crime of the century. I was a grat tenant, fully professionally cleaned the place when I left and paid all rent on time every time. If I said I had a pet I wold have had to leave


What's the option then to house a pet if all places to rent in the vicinity do not allow pets?
Enlighten us. Oh before you answer let me guess and get a few out of the way. Put down? Kennels? Give away?

Mickygg

david29dpo wrote: »

And you........

Man of few words contributing absolutely nothing to the thread with stupid comments like this.

princeofpounds

Let's not make this into a thread arguing about pets.

OP, there aren't really any other options. You either buy, rent, are eligible for social housing, go for a shared ownership scheme (many of which are not particularly beneficial in reality) or go for one of the rare situations where a property might come with a job or something similar.

Don't forget that having a mortgage is basically renting from the bank - interest is dead money just as much as rent it. The main difference is just security of tenure, freedom to modify the poperty.

Financially-speaking the first few years of buying are not that different to renting; relatively little of what you are paying goes towards paying down the mortgage principal amount, and you have the burden of repair and maintenance too, which is not to be underestimated.

The really financially valuable thing about buying as opposed to renting is freezing the effective price of the house. This makes a big difference if house prices are rising, but they aren't really doing that any more outside of London even despite record-low interest rates.

Looking at your screenname, you are probably in your mid-twenties? The average first time buyer is now far older than that, particularly if your exclude those who don't get parental help. You aren't slipping behind.

I know none of that will be satisfying to hear, but most people of this generation are in a similar situation and financially at least you aren't falling behind.

If freedom and security of tenure were better in the UK then renting would be far more bearable.

Yellowstar_2

HappyMJ wrote: »

I need a roof over my head. I will not be putting a cat to sleep because all landlords refuse to let to tenants with a cat. Yes it is a breach of tenancy and I'll take that. I do clean the property when I leave. All cat fur is removed. All fleas removed. Cat has drops. Carpet is sprayed. I don't care about next tenants. Whilst I rent it it's my home.

My bolding

Agree with Yorkie.

I'm a tenant and HIGHLY allergic to cats. I previously rented a home where the previous tenant "hid" a cat from the LL, but it was very clear to me within hours of moving in that they had one. We could see the fur behind the lining of the curtains, and up the walls, even on the ceilings. The tenant provided a receipt for a professional clean (not carpets) when they moved out, and the LL had the carpets professionally cleaned too. One professional clean is insufficient. I can tell you that when you move out, even if you have a professional clean, it is most certainly not the case that "all cat fur is removed".

Since moving in to that property, I was rushed to hospital by ambulance twice with a life-threatening asthma attack (yes, really!). These asthma attacks were triggered by cat allergens in my home. Advice from AllergyUK is cat allergens "stick", and that it takes SEVERAL deep cleans, removal of all carpets/curtains, cleaning UNDER carpets/floorboards and at least 6 months to rid a home of cat allergens. Do you do all of that to remove all the cat fur?

My LL was really decent, and paid for a further professional clean, but it was insufficient and I could not live in the house I was renting. The LL did agree to release me from the TA as long as I paid the costs, which I did, but it cost me a lot of money and time to not live in a house I rented. I do not hold the LL responsible for this -- they had done all they reasonably could, and did not know the previous tenant had a cat so when we asked about this before moving in we were told "no" - which the LL believed to be true.

Cat allergies can be, rarely I'll admit, lethal. I find your cavalier attitude extremely irresponsible. The very least you can do is to confess when you move out so that LL can tell future tenants who might really need to know...

P.S. Apologies to the OP for the off-topic nature of this reply. I really do sympathise with your inability to buy a house. I have no advice to give, and all I can offer is the assurance that you're not alone - I'd love to buy my own home too, but it's just not feesible for me! Hope you find a solution soon. Yellowstar x

seven-day-weekend

HappyMJ wrote: »

My cat was at the time too old. The only option would have been put the cat to sleep. RSPCA said they would do that too if not adopted within 30 days. That was not under any circumstances going to happen.

If the landlord did find out I had a cat I would have stayed as long as possible...but it is easy hiding a cat so I don't see how landlord could ever figure it out. Landlord doesn't need to know.

We were house-sitting for some friends and they asked us if one of us could take the dog out on a particular morning as the LL was making an inspection and didn't know about the dog. So my husband took her out in the pouring rain and had to stay out all morning

I'm glad to say our friends have now moved to a dog-friendly rental.

Anyway, back on topic - I think the OP's best bet is to try to build up a good credit rating, by which time his girlfriend may have found a job and they will be in a far better position to apply for a mortgage.

embob74

I'm sure I'll be corrected if I'm wrong as there are some really knowledgeable bods on here but here's how I see it...
Credit reports have 2 years payment details so you need to make sure everything is paid on time everytime. Use the 2 years to increase your deposit (it will help when you need funds for searches and fees) and your partner needs to get a job and stick with it so there is traceable history.
Try the debt board as there are lots of tips on how to cut costs and so save more money.
Get a copy of your credit report and make sure there is nothing there that shouldn't be there.

david29dpo

Mickygg wrote: »

Hardly the crime of the century. I was a grat tenant, fully professionally cleaned the place when I left and paid all rent on time every time. If I said I had a pet I wold have had to leave


What's the option then to house a pet if all places to rent in the vicinity do not allow pets?
Enlighten us. Oh before you answer let me guess and get a few out of the way. Put down? Kennels? Give away?

Did you remove the cat pee? the smell? the flees?
Do you have no respect for no one or is it just Land Lords?