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.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Tenancy application asking about all credit cards etc

13»

Comments

  • aneary
    aneary Posts: 921 Forumite
    I would walk away to start with the fees are way over the top. Secondly the questions are not standard. If you do rent this house you may get more issues with the landlord who is clearly worried about renting his property.

    I paid around £200 in fees (I would need to double check) and the referencing agency who checked my details only contacted my work, and public records, they didn't ask for previous landlords details although I would have given them that information if asked. Any other information I would have walked away it isn't any of their business.
  • Red-Squirrel_2
    Red-Squirrel_2 Posts: 4,341 Forumite
    anselld wrote: »
    The L is lending you a house.
    The mortgage co is lending you a house.
    What is the difference?

    They're very different.

    The landlord is renting you a house, they have the right to go to court and kick you out after 6 months for no reason whatsoever, or sooner if you don't pay the rent. Its not a long term commitment.

    A mortgage lender never owns your house. They lend you a large sum of money secured on your house and you enter a contract to pay that money back, plus interest, usually over a few decades.

    Not comparable at all, except for the fact that houses are involved.
  • Chrysalis
    Chrysalis Posts: 4,817 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    They're very different.

    The landlord is renting you a house, they have the right to go to court and kick you out after 6 months for no reason whatsoever, or sooner if you don't pay the rent. Its not a long term commitment.

    A mortgage lender never owns your house. They lend you a large sum of money secured on your house and you enter a contract to pay that money back, plus interest, usually over a few decades.

    Not comparable at all, except for the fact that houses are involved.

    Too right, the fact is a landlord/LA is not supplying you any form of credit.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.