Daughter about to rent - new to this....

oliel

propertyrental said:

oliel said:

RHemmings said:

Bookworm105 said:

they want proof of ID so they know who they are coming after if they need to
they want proof that you can afford the bill (income or savings whichever you opt for)

you have identified the major concern when being guarantor - restrict it to who you are guaranteeing!
that applies to both non payment of rent and what happens if the end of tenancy damage to the property exceeds the value of the deposit - you don't want to be liable for damage caused by someone else.

Landlords know this and will often have guarantor agreements that make guarantors jointly and severally liable for everyone living in the flat. As tenants would be. E.g. discussed here: https://england.shelter.org.uk/housing_advice/private_renting/guarantors_for_private_renters

I agree with you that it's a major concern. But, it may be tricky to get out of if the landlord requires such terms in the guarantor's agreement. 

thanks she will be joining an existing flat share i think probably replacing someone who's left so i will bare that in mind.   

1) Is she joining as a lodger ie her landlord(s) are the others in the flat and that's who she pays rent to?

2) Or is she joining as a tenant, ie her LL is the same LL as the other occupants?

3) or does each tenant/occupant have a separate tenancy agreement in their sole name?

If 2), 

* is the previous tenancy being surrendered (deposit returned, inventory check out, etc) and a brand new joint tenancy being created with her as a named joint tenant (new deposit registered, new EPC/gas report etc, new rent guide issued, new everything...)? or

* is s dodgy transfer being arranged  - she pays deposit to previous tenant (who she'd have to chase to get it back later) or

* is a Deed of Assignment being executed such that the existing tenancy continues but with the outgoin tenant's name replaced by daughter's. The deposit etc remains with the LL.

At this stage I dont know she's had 2 viewings so far 1 with an agent (didn't meet any of the other housemates)  was a very nice house but she felt it would be good to meet the housemates.  The other viewing was with a current tennant who is moving out when my daughter said she was interested the girls said she would get in contact with agent and the agent would get in contact with my daughter.   Thanks for pointing out the above my daughter is new too this too so the more advice I can get the better.

propertyrental

If an agent is involved, 1) above is unlikely.

If a joint tenancy is intended with the othe occupants (and even but less so if a sole tenancy in her name) then I'd really want to meet them

a) to gauge compatibility

b) because if it's done properly (either a brand new tenancy or a Deed of Assignment) then all tenants would need to sign, as would LL/agent (and for an Assignment the outgoing tenant should also sign)

oliel

propertyrental said:

If an agent is involved, 1) above is unlikely.

If a joint tenancy is intended with the othe occupants (and even but less so if a sole tenancy in her name) then I'd really want to meet them

a) to gauge compatibility

b) because if it's done properly (either a brand new tenancy or a Deed of Assignment) then all tenants would need to sign, as would LL/agent (and for an Assignment the outgoing tenant should also sign)

Thanks it a bit of a minefield I have to say she was contacted by girl who was buddying up with some others and she was trying to force my daughter to go in with them when my daughter asked to meet and see the place first they said there wasn't time - surely people are not mad enough to go in on these places without meeting other tenants and seeing the property in the flesh?   Hard to gauge reputable agents too.   

RHemmings

oliel said:

propertyrental said:

If an agent is involved, 1) above is unlikely.

If a joint tenancy is intended with the othe occupants (and even but less so if a sole tenancy in her name) then I'd really want to meet them

a) to gauge compatibility

b) because if it's done properly (either a brand new tenancy or a Deed of Assignment) then all tenants would need to sign, as would LL/agent (and for an Assignment the outgoing tenant should also sign)

Thanks it a bit of a minefield I have to say she was contacted by girl who was buddying up with some others and she was trying to force my daughter to go in with them when my daughter asked to meet and see the place first they said there wasn't time - surely people are not mad enough to go in on these places without meeting other tenants and seeing the property in the flesh?   Hard to gauge reputable agents too.   

Red flags! 

propertyrental

One option might be a trial period.

* she moves in as a lodger - no contract with the owner/superior landlord/agent.

* she pays rent weekly for the room to the 'buddy' who is her landlord - buddy then uses that £ to pay the full rent to the LL/agent for the house

* agree a week/2 weeks notice either way. If they all end up as chums, great. approach LL to get tenancy agreememnt changed. If not, move out.....

Grumpy_chap

oliel said:

I understand we may need to be a guarantor for her which is fine. 

oliel said:

she felt it would be good to meet the housemates.

At first, I read this as the OP potentially acting as Guarantor for the Daughter where the Daughter is taking on the AST as a sole tenant in a property that would only be the Daughter's to live in.

If this is a house share / HMO arrangement, what exactly is the OP being asked to act as Guarantor for?
There are occasions where the contract tries to make the various Tenants responsible for each others' rent.  Hence, the OP would be Guarantor for the Daughter plus whoever else the complete strangers are living in the property.
That would be a position to be avoided.

propertyrental

Grumpy_chap said:

oliel said:

I understand we may need to be a guarantor for her which is fine. 

oliel said:

she felt it would be good to meet the housemates.

If this is a house share / HMO arrangement, what exactly is the OP being asked to act as Guarantor for?
There are occasions where the contract tries to make the various Tenants responsible for each others' rent. 

In other words, that's a 'joint and several' tenancy. Very common and 'contract tries'.....' is misleading.My earlier questions were aimed at clarifying the type of tenancy (or licence) and hence the extent of liability (of both daughter/tenant and OP/guarantor).

zagubov

Aside from the paperwork, on moving in, the OPs daughter needs to carefully photograph all parts of the property she has access to to make clear the standard and condition that she found it in.

oliel

propertyrental said:

Grumpy_chap said:

oliel said:

I understand we may need to be a guarantor for her which is fine. 

oliel said:

she felt it would be good to meet the housemates.

If this is a house share / HMO arrangement, what exactly is the OP being asked to act as Guarantor for?
There are occasions where the contract tries to make the various Tenants responsible for each others' rent. 

In other words, that's a 'joint and several' tenancy. Very common and 'contract tries'.....' is misleading.My earlier questions were aimed at clarifying the type of tenancy (or licence) and hence the extent of liability (of both daughter/tenant and OP/guarantor).

Having spoken to my daughter today no movement on this yet - the agent dealing with it is on holiday so the current tenant has chased them up and someone else in the office is going to deal with it tomorrow.  So we will then get a better idea of the agreement I hope.   Will update when I know a bit more thanks.

oliel

propertyrental said:

Grumpy_chap said:

oliel said:

I understand we may need to be a guarantor for her which is fine. 

oliel said:

she felt it would be good to meet the housemates.

If this is a house share / HMO arrangement, what exactly is the OP being asked to act as Guarantor for?
There are occasions where the contract tries to make the various Tenants responsible for each others' rent. 

In other words, that's a 'joint and several' tenancy. Very common and 'contract tries'.....' is misleading.My earlier questions were aimed at clarifying the type of tenancy (or licence) and hence the extent of liability (of both daughter/tenant and OP/guarantor).

Daughter has been in touch with agent and they have asked for guarantor - she's fresh out of uni into new job.  They have asked for copy of my passport and copy or mortgage deeds - however having spoken to mortgage company they said they might not have mortgage deeds as they were phased out in scotland back in 2020 - which is about the time we changed mortgage.  Is there an alternative we can provide?