Can A Landlord's Mortage Refuse To Rent To A Disabled Person On Benefits But Accept Retired People?

K80_Black

Sea_Shell wrote: »

Do your insurers (home and motor, if applicable) know that he's a part time professional (ie paid) musician??

I don't live with him currently, I have no idea. He definitely has public liability insurance?! Really none of your business!

Comms69

K80_Black wrote: »

Yes, he has two jobs. He works for the NHS and has a side gig as a bassist in a band.

So in theory he could be the tenant on any required move, with you moving in with him, but not named on the tenancy?

K80_Black

Comms69 wrote: »

So in theory he could be the tenant on any required move, with you moving in with him, but not named on the tenancy?

Possibly? I've always rented alone. I always thought you had to list all the tenants living somewhere. Why would that matter when we have enough saved to get a mortgage?

Sea_Shell

K80_Black wrote: »

I don't live with him currently, I have no idea. He definitely has public liability insurance?! Really none of your business!

You're right, no skin off my nose if he hasn't told his insurers...just pointing it out as a bit of advice, that's all. Have a nice day!

Comms69

K80_Black wrote: »

Possibly? I've always rented alone. I always thought you had to list all the tenants living somewhere. Why would that matter when we have enough saved to get a mortgage?

Nope. There is no law requiring everyone to be listed on the tenancy agreement.


As for the mortgage, well since you don't live together I thought you would do a trial run first. I know someone quite recently who didn't listen, bought a property, partner broke up with them 2 weeks later and it's cost the pair of them £25k (new build)

Comms69

K80_Black wrote: »

I don't live with him currently, I have no idea. He definitely has public liability insurance?! Really none of your business!

I think the point see shell was making - might be wrong - is that musicians tend to have a higher insurance bracket than office workers.


Car - they drive longer at unsociable hours
Home - they have valuable equipment and it's known when they're not at home.

K80_Black

Comms69 wrote: »

I think the point see shell was making - might be wrong - is that musicians tend to have a higher insurance bracket than office workers.


Car - they drive longer at unsociable hours
Home - they have valuable equipment and it's known when they're not at home.

Yes, I'm aware. It seemed more like an accusation that he was lying to his insurers than helpful advice. Weirdly, I've never sat down and discussed his insurance policies with him.

Thanks for the relationship advice - we've been spending 3 nights a week with each other for many years. Back in the old days it was quite common for a couple to not live together until they were married. I don't see a big difference.

Comms69

K80_Black wrote: »

Yes, I'm aware. It seemed more like an accusation that he was lying to his insurers than helpful advice. Weirdly, I've never sat down and discussed his insurance policies with him.

Thanks for the relationship advice - we've been spending 3 nights a week with each other for many years. Back in the old days it was quite common for a couple to not live together until they were married. I don't see a big difference.

Best of luck with it.


3 nights a week is what I spend with my mates having a few beers. Living together is much more of a challenge. Dynamics change and given your situation in regards mental health I would strongly advise doing a trial run before you commit all your savings.


lots of things were common in the old days, things have moved on since then. Relationships end much more quickly - for a variety of reasons that I dont think it's necessary to discuss now.


For reference the couple I referred to spent more time than that together, lived very nearby, I think proposals were discussed - and then it ended. Unfortunately too late to save any of their deposit.

LilElvis

Comms69 wrote: »

Best of luck with it.


3 nights a week is what I spend with my mates having a few beers. Living together is much more of a challenge. Dynamics change and given your situation in regards mental health I would strongly advise doing a trial run before you commit all your savings.


lots of things were common in the old days, things have moved on since then. Relationships end much more quickly - for a variety of reasons that I dont think it's necessary to discuss now.


For reference the couple I referred to spent more time than that together, lived very nearby, I think proposals were discussed - and then it ended. Unfortunately too late to save any of their deposit.

Sometimes circumstances make it difficult to do otherwise. I was seeing my other half for two years when we decided to buy a house together and we had only spent weekends and holidays together as we lived 75 miles apart, meaning several hours of journey time. We've now been together 17 1/2 years, owned a home together for 15 and married for 13.

Comms69

LilElvis wrote: »

Sometimes circumstances make it difficult to do otherwise. I was seeing my other half for two years when we decided to buy a house together and we had only spent weekends and holidays together as we lived 75 miles apart, meaning several hours of journey time. We've now been together 17 1/2 years, owned a home together for 15 and married for 13.

Fair enough and im glad it worked out for you. That said, you could've rented together, if you're buying a house it means you have an agreed location, so the 75 miles thing isn't an issue at that stage