Ukraine house guests

SavingPennies_2

SuseOrm said:

If it was 350 per guest it could potentially be a bit more workable and in all honesty I would move out and move in with family and let them have the entire house to themselves for £350 just isn’t really gonna cut it

You're not meant to be making a profit, and anyone who is taking into account the £350 before making a decision probably shouldn't be offering to do this anyway.

Sandtree

user1977 said:

blankusername said:

To clarify, I am wondering if having guests in the house for such a long period would be an issue for lenders, as I assume would need to be declared. Thanks

You'd need to read your mortgage conditions. Lenders vary about how concerned they are with lodgers etc.

But I guess the question @user1977 is if any lenders have made any statements about showing more flexibility in the current situation... for example with home insurance if you have non-family members living with you then you have a higher burden of proof for theft claims (there must be sign of forced or violent entry) whereas LV= have come out stating that it won't apply for those taking in Ukrainian refugees (unless you already have non-family members living with you)

sheramber

Sandtree said:

user1977 said:

blankusername said:

To clarify, I am wondering if having guests in the house for such a long period would be an issue for lenders, as I assume would need to be declared. Thanks

You'd need to read your mortgage conditions. Lenders vary about how concerned they are with lodgers etc.

But I guess the question @user1977 is if any lenders have made any statements about showing more flexibility in the current situation... for example with home insurance if you have non-family members living with you then you have a higher burden of proof for theft claims (there must be sign of forced or violent entry) whereas LV= have come out stating that it won't apply for those taking in Ukrainian refugees (unless you already have non-family members living with you)

Proof of forced entry is standard. on my house insurance. Nothing to do with  non family members staying.
I don't think house insurance covers theft by family members so there wouldn't be any increased risk to the insurance company if Ukranian refugees are considered family members.

MobileSaver

ANGLICANPAT said:

What rights would you have to remove them,  if  they turned out to disrespect the property bigtime?

They are classed as "excluded occupiers" so you can ask them to leave with very little notice.

blankusername said:

apologies if this isn't the right place or has been answered...has anyone seen guidance on the approach of mortgage providers to the Homes for Ukraine scheme?

I would be amazed if any lenders discriminated against borrowers who took in Ukrainian refugees but for a definitive answer you would need to ask your lender.

sourpuss2021

Ukrainians can still apply for UK tourist, work, study or family visas.

So if you're hesitating about hosting under the refugee scheme, it might feel safer for both parties to instead rent your room or property to people who have one of those visas and can sign a regular contract.  

We can be certain there will be a lot more Ukrainians that chose to come via these traditional routes in the months ahead, especially if they are professionals or students coming from the mostly untouched western Ukraine and who now look to live in popular UK cities.   .

sourpuss2021

I think this website is new:https://www.homesforukraine.org.uk/

• You’ll need to provide a bedroom and a place to live for 6 months.
• They will need to have full access to come and go as they please, privacy and access to facilities such as kitchen space and bathrooms.

Sandtree

sheramber said:

Sandtree said:

user1977 said:

blankusername said:

To clarify, I am wondering if having guests in the house for such a long period would be an issue for lenders, as I assume would need to be declared. Thanks

You'd need to read your mortgage conditions. Lenders vary about how concerned they are with lodgers etc.

But I guess the question @user1977 is if any lenders have made any statements about showing more flexibility in the current situation... for example with home insurance if you have non-family members living with you then you have a higher burden of proof for theft claims (there must be sign of forced or violent entry) whereas LV= have come out stating that it won't apply for those taking in Ukrainian refugees (unless you already have non-family members living with you)

Proof of forced entry is standard. on my house insurance. Nothing to do with  non family members staying.
I don't think house insurance covers theft by family members so there wouldn't be any increased risk to the insurance company if Ukranian refugees are considered family members.

No its not, its common on budget policies or those with non-family members as an endorsement or conditional clause. Standard policies dont require it. Both will require a police reference number which is supposed to be the hurdle that stops fraudulent claims 

Morglin

It doesn't affect tax or benefits, and any single person council tax reduction is not affected:

" The Government is offering households a £350 'thank you' payment to people who welcome a refugee from the Ukrainian war into their homes.

The monthly payment which is optional and does not have to be accepted, will not be taxed and will not affect your benefits entitlement or council tax status. Hosts should not charge any rent on top of this  - but they are not required to cover food and living expenses for their guests, although they can if they want to."

https://www.cambridge-news.co.uk/news/uk-world-news/taking-refugee-wont-affect-benefits-23392476

[Deleted User]

SavingPennies_2 said:

SuseOrm said:

If it was 350 per guest it could potentially be a bit more workable and in all honesty I would move out and move in with family and let them have the entire house to themselves for £350 just isn’t really gonna cut it

You're not meant to be making a profit, and anyone who is taking into account the £350 before making a decision probably shouldn't be offering to do this anyway.

Not really. For people who are genuinely looking into the scheme it quickly becomes apparent that the householder risks subsidising a lot. This isnt about profits, its out of concern for loss.

We have two bedrooms free. The extra energy costs will eat into the 350 per month which is not available in year 2 and 3. Plus i do not trust the benefits regime one bit. Who will be paying for all the food when benefits get sanctioned.

And heres the thing. We are going to take in refugees. Budgeting for it to cost us a lot. Thats our choice.

I tell you though. Folk who want to help better have a healthy bank balance. If you are just breaking even, dont be taking anyone in as 350 wont cut it.