Partner has CCJ, can I rent just in my name?

SDavies84

Hi everyone. My landlord called me today to say that he is selling the house I live in with my partner. We started looking at new places and then my partner reminded me that he has a CCJ (that will be paid off this month.) We have a joint income of about £80 000 and my share is £32 000. I know that lots of places will just instantly fail us with CCJ when referencing. I just wondered could I rent somewhere just in my name but be upfront that he would be living there? I don't want to try and sneak around it and get into more problems if the new agency/landlord were to find out!

Thanks everyone 

chanz4

Just dont mention him

Slithery

How much is the property?

You'll probably not be accepted for more than a £1067p/m rent based on your sole income.

Olinda99

If he is living there they will want his name on the tenancy agreement.

Slithery

Olinda99 said:

If he is living there they will want his name on the tenancy agreement.

Why?

It's none of their business.

JReacher1

The main risk you have is that if you unfortunately  split up then your partner has no financial ties to the property. It will be you who are financial responsible for the term of your tenancy. Can you afford it on your own?

canaldumidi

chanz4 said:

Just dont mention him

OP said:

I don't want to try and sneak around it and get into more problems if the new agency/landlord were to find out!

1) has current LL said he plans to evict you? When? Before or after he starts advertising the property for sale?

2) has LL served a S21 Notice? Is it valid? Have you checked? S21 checklist (Is a S21 valid?)

3) has LL offered to sell to you? Are you interested? Can you afford?

4) has LL mentioned selling to another LL?

5) Are you aware that selling the house does not end your tenancy; you continue on the same tenancy, same terms, just with a new owner/LL to pay rent to?

6) do you want to move?

7) do you realise that just because LL wants to sell he still has to follow legal processes eg to evict you or transfer tenancy to new ower etc

8) Some LLs (admittedly a small minority!) will let to your partner if you are upfront/honest and otherwise attractive (no- that's not Conservative Party speak) eg good salaries, steady long-term jobs etc etc

9) you could rent in your sole name and ask for partner to be named as 'Permitted Occupant'.  Note a) their salary will not be taken into account, so can you afford the property you want on your sole income? b) they have no obligation to pay rent, or for damage caused - that all falls to you as the tenant c) they have no rights as a tenant so if you get evicted so do they.

10) offering to pay upfront (eg 6 months) might (or might not!) help.

ps- this isn't your landlord by any chance....?https://forums.moneysavingexpert.com/discussion/6371570/holding-deposit-and-reference-query#latest

[Deleted User]

Slithery said:

Olinda99 said:

If he is living there they will want his name on the tenancy agreement.

Why?

It's none of their business.

If the landlord asks who will live there, and OP lies that is a great start and vetting could uncover it.

To be fair OP doesnt want this approach and neither would I.

Besides declaring only 32k income could be very limiting in terms of perceived affordability.

HampshireH

If the CCJ falls off this month then just wait till then and go it together.

Your landlord needs to serve you notice and if the CCJs do drop off in July then it will be before the notice expires.

What date do the fall off his report?

nyermen

I think OP is saying that the CCJ will only be satisfied this month (arrangement to pay?).

Tricky if so, even the simplest checks to the public record will identify such things (albeit, a satisfied CCJ is much better - note it could take some time for records to be updated once its paid off).

I wouldn't risk lying myself - when I rented, it was part of the contract to check the property every 6 months.  If i'd had someone living with me, it would have been obvious.  Also, depending on the property (flat? house?) the landlord could well be, certainly one of my tenancies, the LL was friendly with my direct neighbours.

SDavies84

Slithery said:

How much is the property?

You'll probably not be accepted for more than a £1067p/m rent based on your sole income.

I haven't looked at a specific property yet. There are a couple I've seen that are about £1000 and would be OK-ish to live in.