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Renting Flat questions

samtheman9898
samtheman9898 Posts: 21 Forumite
in House buying, renting & selling
Hello, I am 26 nearly 27 and starting university soon. I live with my parents but will be living in university. I don't understand about renting, what does it mean when you have to have a credit check and Refrences. Where would Refrences come from and I have no credit card, i only buy things on my debit card and my mum pays for everything else.
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Comments

  • Slithery
    Slithery Posts: 6,046 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    What sort of property will you be living in? If you are going to live in student halls for your first year then it is expected that you may not have a credit rating or references so these aren't usually needed.
  • samtheman9898
    samtheman9898 Posts: 21 Forumite
    Slithery wrote: »
    What sort of property will you be living in? If you are going to live in student halls for your first year then it is expected that you may not have a credit rating or references so these aren't usually needed.

    I don't mean for this year, I am talking about the future like in 5 years after university?
  • samtheman9898
    samtheman9898 Posts: 21 Forumite
    And living in halls yes
  • LilElvis
    LilElvis Posts: 5,835 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Don't worry about finding housing for the future - get your place in halls of residence sorted for the start of term. Don't waste time - they can fill up fast.
  • samtheman9898
    samtheman9898 Posts: 21 Forumite
    LilElvis wrote: »
    Don't worry about finding housing for the future - get your place in halls of residence sorted for the start of term. Don't waste time - they can fill up fast.

    Um I already have that sorted. So yes i am asking for the future thanks.
  • Slithery
    Slithery Posts: 6,046 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    samtheman9898 wrote: »
    I don't mean for this year, I am talking about the future like in 5 years after university?
    Well by then you will have a credit rating and 5 years of references from renting student properties...
  • LilElvis
    LilElvis Posts: 5,835 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    samtheman9898 wrote: »
    Um I already have that sorted. So yes i am asking for the future thanks.

    At most universities you live in halls in the first year and then move into private shared rentals with your mates. The landlords won't expect you to have references, though they may ask your parents to act as guarantors. This rental will then be your reference when you leave uni and seek a new home when you start work.
  • samtheman9898
    samtheman9898 Posts: 21 Forumite
    LilElvis wrote: »
    At most universities you live in halls in the first year and then move into private shared rentals with your mates. The landlords won't expect you to have references, though they may ask your parents to act as guarantors. This rental will then be your reference when you leave uni and seek a new home when you start work.

    Right ok, but what happens if parents are too poor to be guarantors?
  • Comms69
    Comms69 Posts: 14,229 Forumite
    10,000 Posts Third Anniversary Name Dropper
    Sam - you promised to give up forums...

    Everyone else - please stop, Sam needs help and this will turn once again into a series of abusive posts
  • samtheman9898
    samtheman9898 Posts: 21 Forumite
    Comms69 wrote: »
    Sam - you promised to give up forums...

    Everyone else - please stop, Sam needs help and this will turn once again into a series of abusive posts

    I am not going to do anything. I have changed alot and in a happier state of mind in the last couple of weeks.
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