Finding rental home when on minimal HB/CTB

mazza111

luminated wrote: »

My problem is I is a bloke & I is deluded (I think I am young fit & handsome) - until I look in the mirror - :eek:

But I am so grateful for these forums as they (those who post on them) provide so much valuable advice. In recent past on benefits, walking sticks, then wheelchairs, then motorised wheelchair and now help with moving/new home - so good that so many are prepared to give their time & experience :T

You may be a bloke, but I'm sure ur still handsome I enjoy reading your posts, because I know you give a fair and honest opinion. You have been of great help to my lass when asking about disability aids, just by reading through your posts so I applaud you :T

Now if only we could get a battery pack that would make our legs and other bits work properly :rotfl: We'd all be running everywhere

Sounds terrible, but think the dd was very lucky, as the lass who was in her flat died just as she applied. Sounds awful to say that but needs must. You may be just as lucky.

luminated

Dunroamin wrote: »

I've just noticed that you say you have no income except the SRP and DLA. If that's the case, you should apply for Pension Credit, which may help a bit.

Sorry as I am not as clear as I should be & blame my brain being deprived of oxygen some months ago since which I get rather muddled up & yes I am being serious. Not in my OP but in the next one at 9.16 a.m. No pension credit as my income too high.

Thanks for the thought though.

Dunroamin

luminated wrote: »

Sorry as I am not as clear as I should be & blame my brain being deprived of oxygen some months ago since which I get rather muddled up & yes I am being serious. Not in my OP but in the next one at 9.16 a.m. No pension credit as my income too high.

Thanks for the thought though.

I missed that and I don't even have your excuse.:o

luminated

Dunroamin wrote: »

I missed that and I don't even have your excuse.:o

:rotfl::rotfl::rotfl::rotfl:

GMbabies

Did you know Nationwide has banned 'Buy-to-Let' landlords from accepting people on HB? This means that those seeking private renting property will now have even more harder time to look for a place to live. So far some landlords might have refused but this is another blow!

http://johnnyvoid.wordpress.com/2013...ivate-renting/

HappyMJ

GMbabies wrote: »

Did you know Nationwide has banned 'Buy-to-Let' landlords from accepting people on HB? This means that those seeking private renting property will now have even more harder time to look for a place to live. So far some landlords might have refused but this is another blow!

http://johnnyvoid.wordpress.com/2013...ivate-renting/

STOP PRESS: The Nationwide has been forced to back down.

26% of renters claim some amount of housing benefit. It's a large part of the market.

luminated

GMbabies wrote: »

Did you know Nationwide has banned 'Buy-to-Let' landlords from accepting people on HB? This means that those seeking private renting property will now have even more harder time to look for a place to live. So far some landlords might have refused but this is another blow!

http://johnnyvoid.wordpress.com/2013...ivate-renting/

HappyMJ wrote: »

STOP PRESS: The Nationwide has been forced to back down.

26% of renters claim some amount of housing benefit. It's a large part of the market.

Even if lenders have been forced to back down I am not too confident of the LL's, & even the LA's, getting their brain in gear on the changes.

fishybusiness

We had a similar problem, both my partner and I are mature students, very few landlords want to know.

We offered two additional months rent upfront as extra security, and agreed if the landlord was happy in a years time we would have it returned.

Might be worth an ask if you find a property you like

luminated

Good to hear you solved your problems Fishy :T

In our case with our extra needs (no garden, possibly no stairs because of my disability, permission to have grab rails & such fitted) what should be a reasonable range to choose from may well whittle down to very few. Then trying to find/hope for an understanding LL/LA.

HappyMJ

fishybusiness wrote: »

We had a similar problem, both my partner and I are mature students, very few landlords want to know.

We offered two additional months rent upfront as extra security, and agreed if the landlord was happy in a years time we would have it returned.

Might be worth an ask if you find a property you like

Students would normally have a guarantor who earns or who has saved enough to pay not only their own mortgage or rent but also that of the student. Yes I know you say you are mature students but if you have the money and the landlord won't accept the whole 6 or 12 months rent upfront then give the rent to your family member/friend instead and there would be no risk to your family member/friend.

As a student you would have income in the form of grants and student loans. They all count in the affordability calculation.

Many landlords may be put off by students as they tend to be short term lets who only rent for a year before moving on. Many landlords are looking for long term tenants. It may have nothing to to with your limited income.