Renting judgements please help!

Loopylottie22

FlorayG said:

First of all don't panic about 'eviction' you cannot be evicted in 6 weeks time your LL has to go to court for that. As long as you continue to pay the rent you cannot be removed without a court order (which takes a few months to get usually) so stay in contact with the LL, keep paying the rent, keep the house in good order.
As for the agents, they should do an Affordability Check and if your partner passes this on their own then your personal financial problems shouldn't affect it. Lots of agents don't really understand what they are doing in my experience ( I'm a landlord) and only want the 'easy' clients. Go back to this agent and ask if your detail with your previous rental history, can be forwarded to the potential LL and the affordability checks done; they shouldn't just say "You won't pass them" how do they know if they don't do them? Most LL are most interested in a decent, long term tenant who has a record of paying the rent on time and in full and less interested in their credit history elsewhere

Thank you so much! Reading your reply from a LL prospective has made me feel a little better! I think you’re right regarding the inexperience. The agent is a young lad who is very “blaze” We’ve always looked after our “homes” as if they’re our own, repairing anything minor ourselves and maintaining to a high standard! When moving into our current property the garden was an overgrown bramble forest! We landscaped it ourselves, returfed it and put in a patio (more fool us now but it’s been our home!) The agents we currently let through have always been very supportive and understanding and have said quote “we wish all tenants were like you” I have already offered what you have suggested to the agent letting the house we’re in love with but he came back with if the credit score fails it won’t make a difference! I’ve instructed him to give our proposal of 6 months rent up from (a ludicrous £16200 thanks to my partners parents who I’m sure I’ll be forever indebted to 🙄🙈) but to also forward our “family CV” and stress we are good tenants! I just don’t get it! The other people applying may have the tick on the credit check but may not care for the home as we would! I should mention it’s a listed building so will need looking after! We’ve experience of living in a listed building before! Honestly thank you for being so kind! I think the estate agents give landlords a bad reputation! 

FlorayG

The house I live in now was previously a long term rental and the tenants put in a patio and paved a parking area and returfed the huge garden and converted the garage to an office at their own expense, so it's probably not that unusual. Their LL was a cheapskate though - I'm still fixing the bodge jobs two years on! The tenants did better work than did the LL

saajan_12

How does your household income and/or guarantor's income stack up against the monthly rent? I'd focus on that plus your landlord references. In describing the family 'situation', number of kids, etc etc I wonder if you're painting a picture that's more worrying than what the LL or agent would have asked in the first place. 

Loopylottie22

FlorayG said:

Most LL that I know don't have a problem with taking on a tenant who is resisting a S21 because we all know WHY they are doing it, it's that or be on the street. As long as the tenant is keeping the current property nice and is paying the rent and is clearly trying their best to find an alternative and not just digging in their heels and refusing to go

If only more landlords were as understanding as yourselves! Just found out despite offering 6 months upfront, clean references and affordability checks we still didn’t get the house because my credit rating is poor! Called around a few other places today and as soon as I start to explain our situation we get cut short! Thank you for being so kind! 

MikeJXE

Thats agents for you. 

I am in my 4th flat in 6 years all through agents

The first 3 6 months up front because I am retired and my pension is too low 

2 agent managed and had trouble getting the deposit back, 1 put the rent up after 12 months 

The one I am in now just at the 2 year mark and landlady managed hasn’t put the rent up at all. in fact since her visit 21 months ago she hasn’t been near although she lives only 3 miles away 

Go through LL if you can 

teaselMay

It's a nightmare isn't it. Single, unable to work, dogs, elderly ill landlord of 13.5 years needs to sell. Credit history all fine, glowing reference from landlord. He thankfully gave me a year's notice. I had one, just one, estate agent treat me like a human being across a search area that took in about an eighth of England and Wales.

I'm ending up buying a shared ownership house, hopefully,  it's not signed on the dotted line yet. It's worth a look at whether that's doable and anything available in your area - worth knowing that although they advertise 10% share it's extremely difficult to get a mortgage on less than 25% share.

Good luck!

MikeJXE

I would never do shared ownership 

Still have to pay rent plus repairs plus maintenance and whole of the council tax no thank you 

teaselMay

MikeJXE said:

I would never do shared ownership 

Still have to pay rent plus repairs plus maintenance and whole of the council tax no thank you 

For me it's buying security. It's not for everyone but to never have to have another 18 months like the past 18 months is worth everything I have and more. in fact it's been a lot longer than that not knowing whether I'll need to move each year. No chance of buying a whole house and so this is my solution.

MikeJXE

teaselMay said:

MikeJXE said:

I would never do shared ownership 

Still have to pay rent plus repairs plus maintenance and whole of the council tax no thank you 

For me it's buying security. It's not for everyone but to never have to have another 18 months like the past 18 months is worth everything I have and more. in fact it's been a lot longer than that not knowing whether I'll need to move each year. No chance of buying a whole house and so this is my solution.

Then watch for all the strings attached 

My friend bought a 75% shared ownership, died 3 months later and it has taken his son 3 years to sell it at a loss 

Good luck 

horsewithnoname

MikeJXE said:

teaselMay said:

MikeJXE said:

I would never do shared ownership 

Still have to pay rent plus repairs plus maintenance and whole of the council tax no thank you 

For me it's buying security. It's not for everyone but to never have to have another 18 months like the past 18 months is worth everything I have and more. in fact it's been a lot longer than that not knowing whether I'll need to move each year. No chance of buying a whole house and so this is my solution.

Then watch for all the strings attached 

My friend bought a 75% shared ownership, died 3 months later and it has taken his son 3 years to sell it at a loss 

Good luck 

You are looking at a house as an asset rather than a home. Which is the whole problem with housing here.