No landlords accepting HB locally

planetred

You guys are so helpful, thank you EVERYBODY.

So, a couple strategies have arisen:

1. Just keep trawling through local papers and keep ear to ground in the hope I can get inttouch with landlords directly with a view to securing tenancy based on the positives I do have in my favour.

2. Ask friends and family to help secure as much as possible as a down payment (months in advance). This is potentially possible, but I still can't see estate agents buying this.. Perhaps some of the smaller ones might bite.

3. Do not lie, but do not disclose that I'm on hb and keep fingers crossed. Morally, I don't think it's such a bad thing, but seems high chance of failure, with no payslips or current employer references available. Mind you, if I coupled with option with X amount of weeks upfront, plus a guarantor, maybe improve my chances.

4. Wait for the courts /landlord to submit written eviction and just hope the council help me. I went down this route before and I was completely shut down as I "was not a priority", I. E. Not a single mum. This is a route I may be forced to take if the other options don't work.

Mike

custardy

willber wrote: »

Bored? me? Not likely.

I don't want to work - I'm quite happy with my life just as it is.

were you in the top tier of your wage bracket when you bought your first house
That was your original point on 1st time buyers after a year of renting

mikey_bach

willber wrote: »

What would £300,000 buy then?

It buys a lovely caravan in Abersoch on The Warren

lighting_up_the_chalice

planetred wrote: »

4. Wait for the courts /landlord to submit written eviction and just hope the council help me. I went down this route before and I was completely shut down as I "was not a priority", I. E. Not a single mum. This is a route I may be forced to take if the other options don't work.

Mike

Priority isn't just offered to single mums. Under 18s in any household wound be a priority. However, priority for homelessness stretches far further and is legally defined by the "Pereira test". Essentially.......

"The council must ask itself whether Mr Pereira is, when homeless, less able to fend for himself than an ordinary homeless person so that injury or detriment to him will result when a less vulnerable would be able to cope without harmful effects."

So, as an example, an insulin dependent diabetic SHOULD be a priority as they need to refrigerate their medication, which would be very difficult if homeless.

You need to compare your health issues with those of an "ordinary" homeless person. If they make you less able to cope with homelessness, then you may have a case for priority.

Of course, if you were in Scotland, this issue wouldn't arise as they accept homelessness as a priority without the need for secondary issues.

custardy

willber wrote: »

No. In those days you received two increments every year, one on your birthday and the other based on years in service + obviously any general increase in salary as negotiated by the union.

So theres no point talking about top end wages in your context then

willber wrote: »

Yes, that is the way it is unfortunately.
The OP's post has made me think. Going back to the late 60's/early 70's most if not all of my friends (ages 20/23) only rented for say a year before they bought their first property. I was 20 when I bought my first - £2950 for a new build detached 3 bed bungalow.
I never seem to hear in those days of so many people renting and having problems if on benefits. Yes of course there were the council estates, but the number of private lets was very low - most purchased their home(s).

So would you say its realistic for a single 20 year old, to be able to buy a new build 3 bedroom house in the present day?

custardy

willber wrote: »

It all depends on what his/her income is and where the property is.

for example

http://www.taylorwimpey.co.uk/newhomes/manchester/theorchard/

well of course it depends where it is
I can go and dig up houses in crap areas for £100k(or less if I go out the city) or a house in a nice area for £400k and beyond
You made the point that you thought it strange people werent renting for a year and simply buying a house as you and others did 40/50 years ago

you will note your £100k house involves a £5 deposit,£20K loan and £75K mortgage

Confuseddot

planetred wrote: »

You guys are so helpful, thank you EVERYBODY.

So, a couple strategies have arisen:

1. Just keep trawling through local papers and keep ear to ground in the hope I can get inttouch with landlords directly with a view to securing tenancy based on the positives I do have in my favour.

2. Ask friends and family to help secure as much as possible as a down payment (months in advance). This is potentially possible, but I still can't see estate agents buying this.. Perhaps some of the smaller ones might bite.

3. Do not lie, but do not disclose that I'm on hb and keep fingers crossed. Morally, I don't think it's such a bad thing, but seems high chance of failure, with no payslips or current employer references available. Mind you, if I coupled with option with X amount of weeks upfront, plus a guarantor, maybe improve my chances.

4. Wait for the courts /landlord to submit written eviction and just hope the council help me. I went down this route before and I was completely shut down as I "was not a priority", I. E. Not a single mum. This is a route I may be forced to take if the other options don't work.

Mike

Good Luck !

MissMoneypenny

lighting_up_the_chalice wrote: »

I'm suggesting that a landlord who is living hand to mouth with his tenants rent should consider his position very carefully. I replied to someone who stated that a landlord may be relying on his rental payments to pay his mortgage, so clearly has no contingency. It is a very foolish landlord who conducts his business in such a way.

It's foolish of any business that offers a service, to expect payment on time. It's why a lot of those service types of business, go under. Late payments should be factored into the business plan.