Rental - four cottages all share same address

ikeby

I have seen a lovely cottage to rent, part of four cottages that were built together. Landlord owns plot of land. There is no distinct royal mail recognised address, all four share the same address.

my worry is that somehow our credit files could be interlinked on address. I have a good credit file and want to maintain this for when I buy.

Does anyone know if the other properties could be linked to my credit file?

Manu thanks

G_M

Properties don't get adverse credit histories. People do.

But I wonder how legal the properties are?

Seperate council tax? If so, how is it managed.
Planning Consent?
Utilities?

Wilma33

Where is the post delivered to? What band is the council tax and who is liable for it? I would avoid as it sounds dodgy.

tim123456789

Wilma33 wrote: »

Where is the post delivered to? What band is the council tax and who is liable for it? I would avoid as it sounds dodgy.

IMHO not dodgy enough to avoid if it's what you really want

tim

ikeby

Yes, that's the other thing. All bills included for another £300 per month, gas, electric, water, council tax. Doesn't seem to be the option of seperate rent and bills in my name. All cottages built around central courtyard. I'm considering it as I have no where to live come two weeks time and very few rentals come up in the village. Thanks.

Werdnal

Sounds possible it was originally a holiday let complex which owner has converted to residential properties. Wonder if it has any restrictions on year round occupancy?

Does each property have letterbox in front door? If so, make a point of catching the postie and introducing yourself so he gets to know which property your post should go to. My property and the one opposite have very similar addresses - ours is XXX Farm, his XXX Cottage - and some generic mail tends to have my name and neighbour's address and vice versa - our postie is good and goes by our names even if the address is not quite right!

Strapped

Lodger or tenant?

lincroft1710

Beware when renting of such phrases as "Council Tax included". because unless the property is a House in Multiple Occupation (which this does not appear to be) in law the tenant is responsible for paying the CT, not the landlord. If the landlord neglects to pay the CT it's not him the council will chase but you.

Werdnal

If my suggestion above, that this could have been a holiday letting unit that has now been converted back to resi use, then it may not even be registered for council tax, as holiday lets are classed as commercial activity and are normally liable for business rates, rather than CT.

Owner/LL may be using the term "CT included", but actually using the "tenant's contribution" to pay his rates (usually cheaper than CT as done on square footage of property rather than services received - refuse collection for instance in not usually included but has to be paid for separately under the owner's registration).

This is all conjecture though, and OP should ask a few more questions before they decide to take this place. All could be fine and above board, but it does seem a little unusual.

Just out of interest OP, do you have any local knowledge of the area, has the property been let like this for a long time? Is it a new conversion?

ikeby

Thanks everyone. I don't have any info about the area as I'm moving from elsewhere but the particular cottage did have the landlord in and they are moving next door!

CIS

Check to see if its banded for council tax purposes here - https://www.gov.uk/council-tax-bands - it'll also give you an idea regarding any address held by the VOA / Council.