Private renting through COVID_19

pmitch9184

Hi ,
So government has said it's looking in to 3 months holiday to mortgage holders and obviously people in council housing won't be affected but what about myself and millions of others in private rented property who's landlords will be mortgage free for three months but then we have to also shell out for 3 months rent . Have I missed it or are we being overlooked by the government as usual ?

Crashy_Time

They are going to stop evictions for the duration of the outbreak I believe, last I heard council tenants still paid rent?

tom9980

My understanding is mortgage relief is only if you have financial difficulty caused by the virus so most landlords won't automatically be eligible. Landlords will still be expected to pay the full loan in the future.

Landlords who don't have mortgages get nothing and you shouldn't assume they are wealthy enough to just let you off paying rent.

I am expecting the government to do something more soon.

diggingdude

pmitch9184 said:

Hi ,
So government has said it's looking in to 3 months holiday to mortgage holders and obviously people in council housing won't be affected but what about myself and millions of others in private rented property who's landlords will be mortgage free for three months but then we have to also shell out for 3 months rent . Have I missed it or are we being overlooked by the government as usual ?

It's not mortgage free 3 month period, it's deferring payment and would likely have to prove a need such as getting no rent. During this time you may be able to negotiate deferring your rent with the landlord

n1guy

pmitch9184 said:

Hi ,
So government has said it's looking in to 3 months holiday to mortgage holders and obviously people in council housing won't be affected but what about myself and millions of others in private rented property who's landlords will be mortgage free for three months but then we have to also shell out for 3 months rent . Have I missed it or are we being overlooked by the government as usual ?

No you haven't missed anything.

pmitch9184

Ok great thanks for the responses hope I haven't offended anyone only can comment on my situation 

Socajam

As a landlord, I am glad that my property is empty so that I do not have to deal with folks like the OP who seem to think that landlords do not have bills to pay.

afis1904

Socajam said:

As a landlord, I am glad that my property is empty so that I do not have to deal with folks like the OP who seem to think that landlords do not have bills to pay.

Unless you rent yourself you'll still be guaranteed a head over your roof

Marvel1

Socajam said:

As a landlord, I am glad that my property is empty so that I do not have to deal with folks like the OP who seem to think that landlords do not have bills to pay.

As a home owner on a mortgage (not a landlord) this is why self isolating is a load of crap as not going to pay my bills.

John_

pmitch9184 said:

Hi ,
So government has said it's looking in to 3 months holiday to mortgage holders and obviously people in council housing won't be affected but what about myself and millions of others in private rented property who's landlords will be mortgage free for three months but then we have to also shell out for 3 months rent . Have I missed it or are we being overlooked by the government as usual ?

Their other expenses don’t stop just because they delay their payments a bit, and they’ll still owe the missing payments. If you are struggling to lay your rent now then how will you be able to catch up later?

afis1904

John_ said:

pmitch9184 said:

Hi ,
So government has said it's looking in to 3 months holiday to mortgage holders and obviously people in council housing won't be affected but what about myself and millions of others in private rented property who's landlords will be mortgage free for three months but then we have to also shell out for 3 months rent . Have I missed it or are we being overlooked by the government as usual ?

Their other expenses don’t stop just because they delay their payments a bit, and they’ll still owe the missing payments. If you are struggling to lay your rent now then how will you be able to catch up later?

Most job losses or losses of income due to covid 19 are going to be temporary so that question answers itself and people always need a roof to live under plus I'd expect a landlord to have some sort of security against no or reduced rent payment at least in the very short term.