Moving home whilst bankrupt

hanspans

Just throwing this question out there really, I am no where near deciding. Thing is I am 4 months into my bk, not on an ipa, all going ok so far, and am much happier. consquently i have met someone, only problem - he lives in a different town to me. i am currently living in a council flat on an assured shorthold tenancy, he is renting but the property is being bought anyway. if we move in together we would try and get a housing association house ( to make me feel more secure) but if we couldn't we'd have to rent somewhere. just briefly looking on estate agents websites we would have a nightmare with my credit score. i am lucky living in a council flat, but what do other people do if we've got bad credit and need to move? any tips, suggestions etc are helpful.

tigerfeet2006

I would try and stay with the coun-cil housing it is safer. Can you put yourself down for a mutual exchange to move to the same town as him?

If you do go privately you will either have to go wholley on his wages or get yourself a 6 month deposit to put dowm and/or a guarantor.

FeelingLow

i agree with TF could you not request a mutual exchange? or could he not move in with you? at least with the council you know your home is safe

hanspans

thanks for the advice. i suspected as much, it's a bit a nightmare. i think it's best to move in with him as there are more opportunities work-wise, but as you say that means using his wages alone, or getting a guarantor. cheers for the advice. if anyone has any examples of people who've managed to do this, i'd appreciate them.

tigerfeet2006

Can you not get a council house in the town he is in? Then he could move in with you.

Register on Homeswapper http://www.homeswapper.co.uk/ and see if you can find a house swap.

Red1708

Hi hanspans

As the others said it is really best to stay in authority housing if possible. Not only is it cheaper in the long run but it's also securer and easier to get repairs done.

If you do decide to go down the route of a private landlord however don't be too despondent. Five months into my BR I moved into a new house, owned by a private landlord through an estate agent. It wasn't easy and at times I thought that I would never get there but I did. Yes you will need a guarantor and I also suggest being upfront with the estate agent from the moment you enter their offices. I was and I'm sure that was a deciding factor as when the estate agent telephoned the landlord to ask if he would accept somebody that was BR she fought my side and specifically stated to the landlord that I had been upfront about it.

HTH

wherediditallgo

I hope things do work out with your relationship. I'd ask you to bear in mind the following:

You are still getting used to being BR, & a move at this stage could be more expense than you can handle. Council accommodation is much more secure than renting from a private landlord, & time there will give you a chance to re-establish yourself financially. If/when the point comes that you decide to live together, maybe you could get a bigger council place on the basis of you getting a move to a bigger place for the both of you & let him move in with you. I'm not judging either of you, but I think it's harder for a single woman to get accommodation than it is for a single man. Personally I think you shouldn't give up a council tenancy at all unless you definitely have something more secure to move to, as a council tenancy s very hard to get these days unless you have special circumstances. It is much easier to get rehoused if you're already in council property than to go on the waiting list as prospective tenants & wait for your points to build up & wait somewhere to come up that's suitable.