Landlord did not tell provider - Tenants rights?

RAS

OP - the reason your LL is telling you that if they do not get the mortgage, you will have to leave is because they are trying to force you to co-operate with their lies.

At present there is NO evidence that the LL is under financial difficulties or has failed to pay the mortgage and will be repossessed so making arrangements to mitigate this is a waste of energy.

They probably already have a mortgage but their fixed term or similar may be coming to an end. In which case it reverts to standard variable which costs a lot more. Download the deeds from the Land Registry if you want - costs about £3.

What may happen is that they have to 'fess up to their current provider and may be penalised or may have their mortgage converted to BTL.

I suggest that you do not meet up as you may then find yourself being dragged into a conspiracy to defraud the mortgage provider. Avoid the LL.

IF the current mortgage provider wants to re-possess they will be sending letters to the occupier warning of legal proceedings. At that point you need to start taking action.

Provided that does not happen your LL's options are very limited and if you do not point out the problem with the deposit they will not be able to get you out for several months after end of the contract.

And you can sue them any time on the next 6 years.

fairy_lights

Was the flat rented out before you moved in, or are you the first tenants to live there?
Having two surveyors turn up in one day makes me wonder if the owner is making preparations to sell.

wolfplayer

Legolasoftheshire wrote: »

Hi there all,
It also turns out that in a panic the landlord told the valuer on the phone that I was actually her boyfriend and we are living together at the property!

So now I have been thrown into all of this without my consent and my girlfriend who is also a tenant is very angry to say the least!

:rotfl::rotfl::rotfl::rotfl::rotfl:

dylansmum

Just a quick add on, because this does not sound good. As tenants, you are allowed reasonable privacy; the landlord should have given you at least 24 hours notice of anyone coming into your house.

https://www.tenancyagreementservice.co.uk/tenants-rights

Foxy-Stoat_3

dylansmum wrote: »

Just a quick add on, because this does not sound good. As tenants, you are allowed reasonable privacy; the landlord should have given you at least 24 hours notice of anyone coming into your house.

I think that is the least of the OP's worries !

dylansmum

Yes, it might be - but throws possible light on how LL might act - i.e. telling them they will have to move out if he can't remortgage...

Foxy-Stoat_3

Maybe but I don't really see the fact that if the Landlord can't remortgage, probably saving him on the mortgage payments or pulling equity out, has to do with the Tenant....they will still have a mortgage with the existing lender, who will more than likely grant consent to let.

Hopefully the new lender will refuse the mortgage and the Landlord will have to suck it up for another year, that will learn them !

G_M

kingstreet wrote: »

If you look at the sticky at the top of this forum, you'll see "House Buying: Important Threads" and in it, you'll find this;-

https://forums.moneysavingexpert.com/discussion/1377883

Though I still have concerns with the gaps, and poor advice, in that sticky.......

Tansy_1980

Foxy-Stoat wrote: »

"Easily" - "Possession" are not usually used in the same sentence. The tenancy agreement cannot be voided if the Landlord has not got consent from the lender.

Perhaps different in England, but the lender most certainly can get a possession order relatively quickly in NI if tenants are unauthorised and don't need to honour any tenancy agreement in place. And, advice agencies will advise a tenant to find alternative accommodation to avoid responsibility for onerous court costs since they have no defence to possession action (through no fault of their own) and court's hands are tied.

This is also true if the agreement doesn't comply with the terms placed on the mortgage by the lender. If, for example, a landlord grants a tenant a 3 year tenancy, but his consent to let conditions say that tenancy terms must be of a maximum of 12 months. It's quite a serious issue. In fact, NHAS, an English organisation, has just issued a call for evidence asking member organisations to report their experiences of this issue http://nhas.org.uk/news/call-for-information-from-members