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.
📨 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!

Do I risk lying on my application to rent?

Options
2»

Comments

  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sorry I don’t think I made the situation clear. D doesn’t want to be initially put down as a tenant for the changeover as he fears that he/we will get rejected due to his bad credit.

    So basically he’d rather I just apply as if I’m going to be moving in on my own and then we add him as a tenant once I’m safe and secure as a tenant myself.
    This is just bonkers!

    So you create a sole tenancy (to avoid him being credit checked).
    Then you apply to either

    * surrender that sole tenancy and create a new joint one (with him being credit checked - so what has been gained?), or
    * you Assign the existing sole tenancy to a joint tenancy (with him being credit checked - so what has been gained?),

    You can't simply "add him as a tenant"!

    Either you/he bite the bullet and apply together as joint tenants and see what happens, or you apply for a sole tenancy and make him your lodger.
  • BrassicWoman
    BrassicWoman Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Agree totally with GM!
    2021 GC £1365.71/ £2400
  • zagubov
    zagubov Posts: 17,938 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OP, you don't want to use the term tenant at any point when you're discussing person D. There's people all over this board using wrong terminology that could make trouble for themselves, and you don't want to become one.

    D can become your lodger, but you're not adding him as your or the LL's tenant.

    As he's a good pal, you should check with pal B what his "house rules were", and check whether you're comfortable with them and what you may need to change (e.g. visitors, guests, shared facilities, noise, cleaning/duties, washing up, giving notice, needing to let you have a key to his room if it's got a lock).

    Many are reminding you about the £7.5k limit, as he's passing the rent on through you and the tax people will se it as your income.
    There is no honour to be had in not knowing a thing that can be known - Danny Baker
  • Cakeguts
    Cakeguts Posts: 7,627 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    D isn't a tenant he is a lodger. So there is a strong possibility that when he gives notice to the landlord that he is moving out D will also have to move out at that time as well. As a lodger D's landlord is B not the owner of the property. So when B gives notice to move he is also ending D's lodger agreement to live in that property.



    The whole thing sounds very complicated to me. It would be easier for you to just find somewhere else without B's lodger entering into the situation. B can't let D stay on when B moves out because D doesn't have any tenancy with the landlord who owns the property his landlord is B. Anyone else also living in the house who is not on the tenancy agreement is a lodger of B so they would have to go as well.
  • zagubov
    zagubov Posts: 17,938 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 23 August 2019 at 12:18AM
    It depends if the LL wants to inspect the house between tenants.
    I know it has been common in London for changeovers in tenancies to be seamless and have little LL involvement.

    If friend B had a deposit to reclaim, the LL may need to see the house empty, so D may have to genuinely vacate his possessions and return them later.

    D's tenure is extremely, well, tenuous. As a mere lodger of B his right to stay expires when B leaves. You can restore it immediately you move in, but again his right to occupy the premises depends on your continuous occupation and permission.
    There is no honour to be had in not knowing a thing that can be known - Danny Baker
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
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K 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.