BTL for girlfriend on LHA?

Cautious_Optimist

RAS wrote: »

Yes, it would.

That's interesting.
I can see how the tenancy could be "contrived", regardless of who the tenant is.


But looking online, I have only seen the term used where the tenant is either a "partner" or relative of the LL.

Cautious_Optimist

Quizzical_Squirrel wrote: »

because he wants to use her to get his mortgage covered by the government. he figures that one day he'll have got a whole house for nothing.

Stability for the child, my !!!!! This isn't love, it's all about the profit.

Lots of BTL LLs have their mortgages paid by LHA, regardless of whether they "date" the tenant or not.


By "stability for the child", I don't just mean the logistical disruption of moving house if the relationship ends.
It's also about the child seeing a new man as a "father figure" in their house and then having that end.


I don't think it's a good idea for a single parent to just "jump into" a cohabiting relationship so soon.


If my GF was happy in her accommodation, we would not be considering moving in together yet. We would just be going out on dates and staying over the occasional night.


I am well aware that we are still in the "Honeymoon" period. But I still objectively would consider her a good tenant.

Cautious_Optimist

densol wrote: »

Oh please ! Most people who find love move in together and give up the joy of the benefits !
good luck

I think you're referring to couples who have been going out for some time.
We are still very much in the early stages of our relationship.


This girl is quite a bit younger than me.


I'm not sure how she would feel about me moving away for work reasons etc.

She may well meet another guy she prefers, if she starts college / work etc.
In that scenario, I think it would be better if I carried on as her LL, rather than the upheaval of her moving out, buying new furniture, reclaiming benefits etc.


This is not your typical "boy meets girl" fairy tale.


There are some family reasons that would make selling my current house difficult; my niece lives with me Mon-Fri. She needs to be close to her school and there is an ongoing family agreement regarding my current house.


Moving my GF into my current house would cause problems with space and lack of public transport links. (Luckily my niece has a school friend, whose parents pick her up and drop her off).


I don't think the borderline criminal behaviour of my GF's current LL would make you "proud to be British"...

Cautious_Optimist

Errata wrote: »

Find her a better rental if the one she's living in is a pigpen, and you love her.

It's hard to find a LL who accepts LHA tenants. Especially ones who will not have a good reference from their last LL.


(Current LL is "dodgy" type and we wouldn't want any more to do with him. Nor would we want him to know my GFs new address)

dekoder

You shouldn't be surprised people are questioning what you're writing here.

You say you're in early stage of the relationship but you're prepared to buy a house and become a landlord for her. Doesn't add up.

Mercurial

OP no matter what you say or try to justify most people will not agree with you. What you are planning to do is not ethical.

Cautious_Optimist

dekoder wrote: »

You say you're in early stage of the relationship but you're prepared to buy a house and become a landlord for her. Doesn't add up.

Well some people buy houses and let them out to complete strangers....

Errata

Cautious_Optimist wrote: »

Well some people buy houses and let them out to complete strangers....

That's true, but vanishingly few shag them every Friday night.

Housing_Benefit_Officer

1) You are her partner - Housing Benefit is never paid where the landlord is a partner.

2) Any tenancy created would be considered contrived and non commercial.

3) People have been prosecuted for fraud for having the same sort of arrangements.

mouthscradle

Cautious_Optimist wrote: »

I'm nervous about doing this, as my job at present is not as secure as it was when I bought my house etc.

If you think your job is not secure, why on Earth are you contemplating buying a second house and taking on a second mortgage? Especially if you can't sell your existing property should you need to due to family reasons.

You haven't been together long, you don't even consider her to be your "partner", you have a history of relationships that break down out of the blue, yet you're willing to buy a house for her (and even stranger, you're willing to involve your brother in this). It's just bizarreness.

Say you go ahead with it, and this is one of those relationships that unexpectedly ends overnight. Then she wants to move her amazing new boyfriend in to the house that you bought just to help her and are making probably zero profit (or even a loss) on each month. Would you still think this was a good idea? Crazy.