Moving in with a partner - Renting

AngryDog

My gf is currently renting a house. The plan was for me to move in with her during the summer.

Today the question was asked of the letting agents to see what they said.

They said I would need to be added to the tenancy agreement (£50 +VAT) and referenced (£155 +VAT). While I accept this, will the fact that I have defaults prevent me from passing the check?

And, if I am permitted to move in, will me and my gf become linked financially? She has impeccable financial history, and I do not want my poor history to affect hers.

We do not and will not be getting a joint bank account.

Thanks.

harrys_dad

What does her tenancy agreement say about "others"?

AngryDog

I dont know, I havent seen it im afraid.

gordonbennet

Yes - the defaults may well mean you don't pass the credit checks. The LL may still agree to let to you though if you can come up with a suitable guarantor.

Not sure about the credit history affecting your gf. Someone else will be along in a min

BitterAndTwisted

You having a joint-tenancy does not create a financial link between the two of you.

I would suggest you have a read of your g/f's tenancy agreement. Naturally, now that you've informed the agent that you will be moving in they want to screw as much money out of you as possible by referencing you and drawing up a new tenancy agreement but I suspect it might not be strictly necessary

AngryDog

gordonbennet wrote: »

Yes - the defaults may well mean you don't pass the credit checks. The LL may still agree to let to you though if you can come up with a suitable guarantor.

Not sure about the credit history affecting your gf. Someone else will be along in a min

My Dad has always been a guarantor for me before when I've rented independent of a letting agents (direct with LL), he is mortgage free. My mum still works and is mortgage free as well.

pmlindyloo

Your alternative is to ask if you can go on the tenancy agreement as a Permitted Occupier.

They may not even need to credit check you (the LA didn't credit check me when we did this) as you have no liability for the rent.

As a Permitted Occupier you have very few rights and can be asked to leave with just 'reasonable notice'.

AngryDog

BitterAndTwisted wrote: »

You having a joint-tenancy does not create a financial link between the two of you.

I would suggest you have a read of your g/f's tenancy agreement. Naturally, now that you've informed the agent that you will be moving in they want to screw as much money out of you as possible by referencing you and drawing up a new tenancy agreement but I suspect it might not be strictly necessary

Thanks for your response. The agreement isnt a massive issue to me, I just want to make sure I can live there and not mess her credit up. I'll have to bring it with her when I see her next later this week so I can look at it.

I didnt think it would be necessary for a new agreement etc. My gf is in a well paid job and she pays the rent on time. My being there is quite inconsequential. Though apparently the LL has to approve my living there also.

ViolaLass

Permited Occupier, if you can get permission for it, is absolutely the way to go. I did it for my then boyfriend years ago and it cost nothing.

AngryDog

pmlindyloo wrote: »

Your alternative is to ask if you can go on the tenancy agreement as a Permitted Occupier.

They may not even need to credit check you (the LA didn't credit check me when we did this) as you have no liability for the rent.

As a Permitted Occupier you have very few rights and can be asked to leave with just 'reasonable notice'.

The only issue with being a PO, is that I dont think LL's like it because while I can be asked to leave, I dont actually have to leave. Squatter's rights etc.

pmlindyloo

AngryDog wrote: »

The only issue with being a PO, is that I dont think LL's like it because while I can be asked to leave, I dont actually have to leave. Squatter's rights etc.

Not true. You wouldn't be a squatter, you would be a tresspasser!

See here:

http://england.shelter.org.uk/get_advice/homelessness/homeless_and_on_the_streets/squatting

Which is a good thing because if you were a squatter you could be arrested!