Rented Property and Relationship Breakdown

Bunnie1982

Just looking for advice really. Mine and my husbands relationship has broken down and we live in a rented house.

He has gone back to his parents but I have nowhere to go as I have no family that lives locally.

I would like to keep the house but I am probably going to need a guarantor right?

What do I do in the situation where I have no one?

Sorry for all the questions, just a bit mixed up at the moment.

silvercar

I presume you have a joint tenancy? If this is so, then the fact that he has gone back to his parents is not relevent to the tenancy. You are both jointly liable for the rent and the tenancy is valid. When it comes up for renewal, then you could ask the landlord if you can remain without the need for a guarantor. If you have been a good tenant the landlord could well agree to keep you on a tenancy on your own with no need for a guarantor.

Mrs_Thrify

Hiya Bunnie, you are doing the right thing by keep talking. Talk to the landlord and see what he/she has to say. Think about closing any joint accounts too! Tallk to CAB about any money issues as they are there to help. Are any children involved? if so you may wish to put your name on the housing list( if it is cheeper than renting?)

My good wishes to you.....;)

Bunnie1982

Fortunately there are no children involved, but quite a few financial matters to sort out. My main worry was the house though and not having anywhere to live.

Loretta

Bunnie1982 wrote: »

Fortunately there are no children involved, but quite a few financial matters to sort out. My main worry was the house though and not having anywhere to live.

Can you afford the rent on your own in case he doesn't pay his half?

IveSeenTheLight

silvercar wrote: »

I presume you have a joint tenancy? If this is so, then the fact that he has gone back to his parents is not relevent to the tenancy. You are both jointly liable for the rent and the tenancy is valid. When it comes up for renewal, then you could ask the landlord if you can remain without the need for a guarantor. If you have been a good tenant the landlord could well agree to keep you on a tenancy on your own with no need for a guarantor.

This is very true. You could hold your ex liable to pay the remaining term of the rental, however he would then be within his rights to want to stay in the house. Is this something you could live with?

As a landlord I would be very open to you extending the lease in your own name as long as the rent has been paid on time and you are looking after the property. I would not worry about any guarantors as you would have started and built up a business relationship with me.

I would even be open to removing your other half from the existing tenancy (upon your request) as this would mean that I would only have one tenant to deal with should any issues arrise.

Important things you should consider: -

1) Can you afford the rent on your own? If not then you either have to get in touch with your ex and make him aware he is liable or look to get in a friend who could help you with the rent. Obviously you need to let the LL know in this case

2) How was the deposit made up? Will your ex be looking for for half / all of the deposit? Naturally he cannot get this until the end of the tenancy if he is entitled to it, but it may be worth negotiating with him to cut your ties. If you can cover the rent, maybe deduct his entitlement for the deposit from his due rent. (Get formally agreed though)

3) Do you need / want to stay in the area or can you move back to where your friends / family are? Depending on how long you have left in your AST, it may be worth speaking to the LL, apologising for the affect on the rental but negotiate terminating the rental early should they manage to get alternative tenants.

Good luck with resolving this issue.

Bunnie1982

I could afford the rent on my own, for the period we have lived together my wages have gone towards the upkeep of the house and his have gone towards paying his debts.

I would be more than prepared to give him half of the deposit back.

I do need to stay in the area for my job, I don't get on with my family so moving back with them wouldn't be an option.