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

susan6780

david29dpo wrote: »

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

I would like to correct your grammar.

your sentence should have read, "Do you have no respect for anyone?"

or "Do you have respect for no-one?"

Just saying

I love pets, I have tons, and my own mortgage, although I was 34 years old before I stepped onto the property ladder.

thequant

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.

Is there a way to give this post a thumbs down ?

Kynthia

So arrogant. You have very little knowledge on the consequences yet are quick to judge landlords.

Landlords are providing a service and wish to make a profit. There are lots of potential tenants willing to pay a little over the going rate to rent a property that allows pets. Therefore you would expect that most landlords would allow them and those that don't must have a reason. Perhaps the property is not freehold and the lease doesn't allow pets, which means it's not the landlord's choice. Perhaps the landlord has had experience, or heard stories from others of pets doing damage that wasn't fully reimbursed by the tenants. I've heard of tenants allowing the pet to urinate indoors and it got into the floorboards so a professional clean wouldn't help this. The landlord may be concerned about the allergens and fleas being fully removed allowing the property to be let again without issues or extra expense. Or what is often the case is that the letting agent just states 'no pets' without discussing it with the landlord, and that a chat with the landlord and possibly introducing the pet to them would resolve the issue.

blueybug

I moved in a month ago to a pet friendly house, the LA was really rude and pulling figures out of the sky for how much a pet deposit was going to be for one cat. I had two cats but I could only afford the 200 for one cat so I put my other (her brother) with family till i could sort something out.

The day I moved in (all fees paid to the LA key in hand) I moved in with said fluffy cat. The LL came over (with her family) to help and see if everything was fine. First thing both LL and mother said was hows the cat hope it settles in ok. I replied very truthfully by saying she will miss her brother etc that was questioned why so I told her. I could not afford the amount of money they wanted for a pet deposit on both and the LA said I wasnt allowed two cats together only one but could have a dog.

After a round trip of an hour to pick up Albus the cat with the LL's mum with me I have both here with me. The LL said I'm not splitting up a nice family.

So maybe be honest about the pet thing. Most of the rules are put there by the letting agent NOT the land lords!

Be open and honest:)

marcusanderson

Keep the faith - there are ways to get onto the property ladder.

1. Shared Ownership - You can buy with a housing association and part own, part rent (not great cos the rent is high and the fees also)
2. Help to Buy - 5% deposit is all you need and the mortgage lenders are ready to help (although these are slowly becoming harder to get underwritten as lenders want less risk)
3. Co-Ownership - In London people have taken to sharing properties together to make buying affordable. You could buy a 2 bed with another couple, share a mortgage, bills, and everything else. Obviously it is only for a few years then you can sell and get a place of your own with the increase in property value. At least then your not paying £7,500 in rent down the drain each year. If you do choose this option, make sure to get a legal document to protect you like a Co-habitation or Shared Ownership Protection.

Barclays advertise mortgages for share a mortgage so perhaps get your mortgage broker to speak to them first.

Perhaps give it a few months before doing anything else for a while otherwise your credit report will be overwhelmed with searches and a lender may think you are desperate - maybe use that time to search for potential places to find other home buyers.

Good luck and I hope you get off the ladder with your pets soon!!

slopemaster

HappyMJ wrote: »

.... I don't care about next tenants. ....

Lovely!

I am a LL who does accept cats, but I would take a very dim view of someone having them without telling me, for exactly the reasons that Yellowstar describes. I have a responsibility to my next tenants to ensure there are no fleas and, as far as possible, no allergens. Normal carpet cleaning does not do this.

Therefore, when writing into the contract my acceptance of a cat (or, 2 cats and one rabbit! etc) I also specify the type of cleaning products required to be used. I also take a larger deposit in order that, if the outgoing tenant doesn't have this done, I can.
This has worked well for me and my tenants, who are responsible cat owners.

As is the OP I am sure, and I do apologise for the highjack.

Pixie5740

How much extra deposit is taken for having a pet? Is there a danger that some LL and LA might end up asking for a premium deposit which would give the tenant more rights?

Sorry for going off topic but it's just something that popped into my head.

mrginge

18 month old thread....

happyinvestor

Buying with a friend is a good idea - it worked really well for me and saved me from years of renting. I bought with a friend then sold the property after 5 years. Took quite a bit of equity out of it to then buy somewhere else on my own.