The Great British "not put my heating on yet" brag

ArbitraryRandom

MultiFuelBurner said:

I do however like the idea of tenants that pay on time each month after 2/3 years this being taken into consideration for mortgages as proof of what they can actually afford to pay out each month and actually borrow. 

IIRC, there's a company called rent ladder, which let a tenant add their rental payments to their credit file and they can be considered by mortgage lenders (as to if they are considered, that's where a broker might come in handy to help find a lender with criteria that best suit your situation). 

MultiFuelBurner

ArbitraryRandom said:

MultiFuelBurner said:

I do however like the idea of tenants that pay on time each month after 2/3 years this being taken into consideration for mortgages as proof of what they can actually afford to pay out each month and actually borrow. 

IIRC, there's a company called rent ladder, which let a tenant add their rental payments to their credit file and they can be considered by mortgage lenders (as to if they are considered, that's where a broker might come in handy to help find a lender with criteria that best suit your situation). 

How do they compare to the fake Skipton building society offer. We put two tenants onto this as they had impeccable rent history with us and despite them paying well over £1000 a month the Skipton would only lend them £40k at  £199 a month despite their history showing they could afford £1000 on rent !!!!

FIREDreamer

This is our bedroom ceiling in the outside corner, above a wardrobe - is this mould?

It does wash off but always comes back.

Swipe

FIREDreamer said:

This is our bedroom ceiling in the outside corner, above a wardrobe - is this mould?

It does wash off but always comes back.

Yes, looks like it. Most often caused by condensation in the loft or a leak.

ArbitraryRandom

MultiFuelBurner said:

ArbitraryRandom said:

MultiFuelBurner said:

I do however like the idea of tenants that pay on time each month after 2/3 years this being taken into consideration for mortgages as proof of what they can actually afford to pay out each month and actually borrow. 

IIRC, there's a company called rent ladder, which let a tenant add their rental payments to their credit file and they can be considered by mortgage lenders (as to if they are considered, that's where a broker might come in handy to help find a lender with criteria that best suit your situation). 

How do they compare to the fake Skipton building society offer. We put two tenants onto this as they had impeccable rent history with us and despite them paying well over £1000 a month the Skipton would only lend them £40k at  £199 a month despite their history showing they could afford £1000 on rent !!!!

All the company I'm referring to do is record the payments each month and report them to the reference agency - it would be for the individual to find a lender at the time they're ready to buy that considers them as part of the affordability assessment... hence saying a broker would be able to advise how many banks/products would consider them. 

i.e the first step to having them considered by any lender is a reliable independent company reporting the payments in the first place.  

ArbitraryRandom

FIREDreamer said:

This is our bedroom ceiling in the outside corner, above a wardrobe - is this mould?

Given where it is, shape and colour, I'd suggest humidity/condensation is more likely than a leak.

First thing I'd do is to check what's above there - could be caused by whoever insulated the attic being a bit lazy at the edges. 

Second thing is to make a point of ventilating the room in the morning (it's just good practice) - open the window each day for at least 15 mins, longer on a nice sunny dry day, to let all the water vapour you breathe out overnight escape. I also like to pull back the covers on the bed/do it before making the bed, to let the mattress breathe as well.  

dealyboy

@ArbitraryRandom said:

@FIREDreamer said:

This is our bedroom ceiling in the outside corner, above a wardrobe - is this mould?

Given where it is, shape and colour, I'd suggest humidity/condensation is more likely than a leak.

First thing I'd do is to check what's above there - could be caused by whoever insulated the attic being a bit lazy at the edges. 

Second thing is to make a point of ventilating the room in the morning (it's just good practice) - open the window each day for at least 15 mins, longer on a nice sunny dry day, to let all the water vapour you breathe out overnight escape. I also like to pull back the covers on the bed/do it before making the bed, to let the mattress breathe as well.  

It looks like damp rather than mould at this stage. Interesting that it washes off as it looks as though it's in the ceiling (floor above), but clearly not. I presume the ceiling has a gloss paint surface perfect for condensation.

I watched a couple of youtube videos today, they are highly rated ...
https://www.youtube.com/watch?v=NbtijHKy2Vo
https://www.youtube.com/watch?v=TIDb-pdOnXM&t=623s

markin

Rent on E-F properties are usually far lower anyway, people vote with their feet leaving the less well off having to put up with single glazing and poor heating.

ArbitraryRandom

markin said:

Rent on E-F properties are usually far lower anyway, people vote with their feet leaving the less well off having to put up with single glazing and poor heating.

That's one of the reasons I get annoyed when people say high users should pay a higher standing charge... those high users are often people who don't have a choice where to live and can't afford energy saving improvements/more efficient appliances. 

Very low users are more likely to be people who have solar/batteries and excellent insulation, so have more choice about the amount of energy they use.  

MultiFuelBurner

markin said:

Rent on E-F properties are usually far lower anyway, people vote with their feet leaving the less well off having to put up with single glazing and poor heating.

Anything to back this up with statistics or is this just your opinion? I mean it makes sense to the learned people here but out there in the big world where even people buying don't care about EPC's?

I agree the knowledgeable folk here will know a heating system that may be more efficient than another. Most I believe dont.

Since 2018 you can't rent an EPC F by the way (bar some exemptions which council will readily throw at your now to get people off their books)

https://www.gov.uk/guidance/domestic-private-rented-property-minimum-energy-efficiency-standard-landlord-guidance

And some.reading for you

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1091144/Energy_Report_2020_revised.pdf