No landlords accepting HB locally

custardy

willber wrote: »

I was single, 3 years into my first job with the Inland Revenue and had a salary of just over £1100 if my memory serves me right.

I subsequently purchased a second property (a place to stay whilst working away from home) in 1977 for £7800 (a fully converted weavers cottage).

I then sold both of those in 2000 and purchased a new build 5 bed detached for £157,000 which is now worth in excess of £400,000.

So the house cost under 3 years salary?
I think you can guess why its less common now?

custardy

willber wrote: »

Not really, that same property that I bought in 1967 is worth today approx £175,000.

My salary, if I had chosen to work instead of claim welfare, would currently be approx £60,000pa.

Which is also very close to 3 times!

The UK average salary is approx £26,000 - that means that there are those on NMW - £12500pa and those on £100,000+pa.

The only difference between then and now is that then you need not put any money down as a deposit (inflate the property price then ask for a mortgage for the full asking price which in all events appears to show that a substantial deposit has been paid). In the early days also it was very common and easy to inflate your income to the required amount for a mortgage.

3 X £26K doesnt get you anything here

aggypanthus

OP can you say approx where in the county you need to live ?

Murphybear

MHartley wrote: »

As a landlord I can't let to HB recipients. Both my mortgage provider and insurance company forbid it.

It might be worth asking in the House Buying, Renting and Selling section.

What would you do if one of your tenants lost their job and became reliant upon paying the rent with LHA?

You cannot ask them to leave because they suddenly become reliant on benefits! The most you can do is wait until the end of the tenancy and give them the statutory 2 months notice and hope they leave.

Before I retired, I ran a franchised letting agency. I had ARLA advanced legal exams and we treated both our tenants and landlords with kindness and consideration and most definitely did NOT rip any one off.

Discussing the issue of benefit tenants with many of our colleagues from around the country, it became clear that most of us took tenants on benefits and the vast majority of them were good tenants and paid the rent on time.

If the landlords choose not to take benefit tenants then unfortunately that is their decision

rossireps

a lot is to do with the LL insurance i believe.Iam on hb and struggling to find a new place,in 5yrs ive never missed a payment on rent .

custardy

willber wrote: »

Who said anything that I would earn the average wage if I worked?

I pointed out that whilst the average wage was £26k, many, many people earn a damn site more than that figure - hence why it is the average! I know very few people that earn £26k - never mind anything lower.

My salary would lie somewhere between £60,000 and £100,000pa, giving me the ability using the 3x rule of something between £180,000 and £300,000!

£180K doesnt buy much here either

ComeTheRevolution

willber wrote: »

Who said anything that I would earn the average wage if I worked?

I pointed out that whilst the average wage was £26k, many, many people earn a damn site more than that figure - hence why it is the average! I know very few people that earn £26k - never mind anything lower.

My salary would lie somewhere between £60,000 and £100,000pa, giving me the ability using the 3x rule of something between £180,000 and £300,000!

Any chance you could get yourself taken back on, then? Seeing's you're so bored ....

Dogger69

ComeTheRevolution wrote: »

Any chance you could get yourself taken back on, then? Seeing's you're so bored ....

I think it more likely he be taken back in - there is only so much care in the community can do

Neelienew

ComeTheRevolution wrote: »

Any chance you could get yourself taken back on, then? Seeing's you're so bored ....

When he was bigboybrother last month, he said he was hoping to reform his band.

Quote:

I can't find anything anywhere on the web that gives me an answer to my problem.

OK, I claim ESA for both physical and mental conditions. I have just had a re-assessment without going for a medical and have been told that my Support Group status is continue.

I also have DLA high mobility & mid care for the same conditions and the difficulties and needs that I have.

Now I am bored with just sitting around doing nothing at home, been like this for the past 4 years.

Many years ago I used to be a semi pro musician, mainly working in cabaret clubs backing well known artistes. I have toured twice in Europe and back in the late 60's we had a No1 record.

I gave up music as it did not provide a steady reasonable income for my new family. Now it's just the two of us again, the old band minus one (who now lives in Eire after winning the Euro millions!!) wants to get back together on a semi permanent basis.

I am more than capable of playing again (thankfully I have a stool (throne) to sit on) as none of my problems or needs are related.

My wife is a little frightened that if I am seen back on stage (certainly in the local area) problems might arise with the DWP.

How do I convince the DWP, both for ESA & DLA that playing in a band on stage does not in any way affect why I am claiming ESA and DLA? I would sooner they give me a piece of paper to prove to anyone that asks that the DWP are allowing me to do this work.

Obviously money will be involved but we can lose that in buying new equipment etc.

mikey_bach

willber wrote: »

Trainee Inspector on approx £91 a month in 1967 not 1977 - following the family - uncle was the DI. I was on a lot more than that in 1977. I was seconded to Head Office and toured HMIT offices throughout the UK getting them out of the s**t. I used to be able to live off my exes and save my salary!

Clerical Officer??

Your country needs you now again I think then, something to ponder on when you are bored...