We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
For landlords (or anyone): question about renting.
lady_fuschia
Posts: 619 Forumite
My OH and I want to move to Cardiff (about 300 miles from where we live now) at the end of August and are looking for somewhere to rent - we're going down next week to have a look for somewhere.
The thing is a lot of the ads on gumtree and suchlike (and certainly all the egents websites) site "professionals only", even for the cheaper places. OH is a manager with a large chain pub and is getting a transfer to a local pub, although this hasn't yet been officially confirmed in writing as it has to go through area managers etc for approval still. As yet I haven't got a job lined up to go to, although I have applied for several in the past week or so and plan to register with some temping agencies as I have a lot of admin/ secretarial experience and am fairly confident of finding something.
I have never been unemployed and we have always paid the rent on our current flat on time and looked after the place well.
I'm wondering whether landlords will be unwilling to rent to a couple who are technically moving to the area without jobs to go to - my past landlords have always wanted proof of income, which obviously we won't be able to provide. Is there anything we can do to increase our chances of getting somewhere on a good deal?
The thing is a lot of the ads on gumtree and suchlike (and certainly all the egents websites) site "professionals only", even for the cheaper places. OH is a manager with a large chain pub and is getting a transfer to a local pub, although this hasn't yet been officially confirmed in writing as it has to go through area managers etc for approval still. As yet I haven't got a job lined up to go to, although I have applied for several in the past week or so and plan to register with some temping agencies as I have a lot of admin/ secretarial experience and am fairly confident of finding something.
I have never been unemployed and we have always paid the rent on our current flat on time and looked after the place well.
I'm wondering whether landlords will be unwilling to rent to a couple who are technically moving to the area without jobs to go to - my past landlords have always wanted proof of income, which obviously we won't be able to provide. Is there anything we can do to increase our chances of getting somewhere on a good deal?
"People who "do things" exceed my endurance,
God for a man who solicits insurance..." - Dorothy Parker
God for a man who solicits insurance..." - Dorothy Parker
0
Comments
-
Professionals only = no DHSS
Some EA/LA/private landlords will credit check you while others will not. However the ones that don't normally ask enough questions to work out whether you are on housing benefit.I'm not cynical I'm realistic
(If a link I give opens pop ups I won't know I don't use windows)0 -
We're not claiming benefits and don't expect to - but will they not see as the equivalent to DHSS if we don't officially have jobs yet?
Credit checks could be a problem as OH has a very bad credit rating - mine isn't too bad, but not perfect either."People who "do things" exceed my endurance,
God for a man who solicits insurance..." - Dorothy Parker0 -
If you're not claiming housing benefit you're not DHSS. Explain your story to the agent and see what they say.
The credit check is a different matter and we can't tell you whether you'll pass or not. You may have to give a larger deposit to cover their risk or something. Again, depends on the landlord/agent.
Peter0 -
What's DHSS?
Well life is harsh, hug me don't reject me.0 -
Now you're just being pedantic saint.
Meanwhile, back on topic......
As a landlord with several properties in the Cardiff area I might have been able to help the OP.
But not after reading this.....lady_fuschia wrote: »Credit checks could be a problem as OH has a very bad credit rating - mine isn't too bad, but not perfect either.0 -
I moved to Cardiff to live with my boyfriend last year, I did not have a job to go to and was doing temping with a catering agency to earn a bit of money. I put my last job down as a reference and it wasn't a problem.
If the credit rating is bad then perhaps your OH can offer a guarantor? If you're definately going to pay the rent on time then it won't ever be a problem or something that will be used, just a piece of paper. Obviously though if you miss rent then the guarantor will be chased for it. It happened once to me (as it was my first rental property and had no landlord for references, I had to give a guarantor.)
Luckily my mum (who was my guarantor) was very understanding and I sorted it out straight away.0 -
Yes it's a bit annoying really as OH debts are all from his first marriage, which ended over five years ago and he's due to have paid the whole lot back by the end of this year - but he still has CCJ's on his record. We got turned down for a property last time we went through an agent because of it. My only issue is an unauthorised overdraft that got me into trouble a couple of years back - I've never missed a minimum payment on a loan or anything like that.
I've booked a couple of viewings with some private landlords anyway, and am hoping I can convince them we're not a risk. Thanks for the replies - any other tips would still be appreciated!"People who "do things" exceed my endurance,
God for a man who solicits insurance..." - Dorothy Parker0 -
Unauthorised overdrafts shouldn't show up.
The only time I had problems with private landlords was when I was changing jobs and was looking at properties in the middle of the day on a weekday. Two of them couldn't understand why I was looking at the properties in the day........I'm not cynical I'm realistic
(If a link I give opens pop ups I won't know I don't use windows)0 -
Well I'm taking time off work to view them - seeing as I have to travel a few hundred miles to do it! I hope they don't take issue with that!"People who "do things" exceed my endurance,
God for a man who solicits insurance..." - Dorothy Parker0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards