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  • FIRST POST
    • Cornwall48
    • By Cornwall48 13th Jan 19, 10:03 AM
    • 1Posts
    • 0Thanks
    Cornwall48
    Rent a caravan but want to buy a house
    • #1
    • 13th Jan 19, 10:03 AM
    Rent a caravan but want to buy a house 13th Jan 19 at 10:03 AM
    We're due to move out of a privately rented house (owners want to sell) to a privately rented caravan as a stop-gap before I find a house to buy.. Couldn't do this via a letting agent because of poor credit rating and own 2 dogs. I've paid deposit and rent upfront for it and will also pay final month's rent on this place soon therefore giving a month's notice.

    What I'm concerned about is my main residence. From end of Feb we will be in a caravan in a field owned by people who live in the main house. There are 4 other caravans in the field rented out by the owners. Not sure what my address will then be? Also, the owner said I don't pay council tax. Would that leave me not on an electoral roll and not able to then apply for a mortgage? I feel like I wouldn't be officially living anywhere. Plus if I were to contact the council to pay council tax, as I believe is the law (as it will be my main residence), will I be dobbing them in?!

    Starting to panic a bit. Not done this before so feel a little out of my depth. Would appreciate advice.
Page 1
    • elsien
    • By elsien 13th Jan 19, 10:12 AM
    • 18,077 Posts
    • 46,092 Thanks
    elsien
    • #2
    • 13th Jan 19, 10:12 AM
    • #2
    • 13th Jan 19, 10:12 AM
    Council tax and electoral register are two different things. But it is possible the site owner is flying under the radar. What address have you been given for your post to come to?

    But if your credit history is poor enough to stop you getting a rental property, then you may struggle to get a decent mortgage until that has been cleared up.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • elsien
    • By elsien 13th Jan 19, 10:14 AM
    • 18,077 Posts
    • 46,092 Thanks
    elsien
    • #3
    • 13th Jan 19, 10:14 AM
    • #3
    • 13th Jan 19, 10:14 AM
    Also to add, I don't know how reliable this link is but it talks about an exemption if the caravan is on a property for which council tax is already being paid.
    http://www.whatprice.co.uk/jobs-tax/council-tax-exemptions.html#axzz5cTtXvnrP
    I suppose it depends on the exact set up of the hius/field.
    I take it it's not a proper campsite with touring pitches?
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • Cakeguts
    • By Cakeguts 13th Jan 19, 2:20 PM
    • 5,432 Posts
    • 8,302 Thanks
    Cakeguts
    • #4
    • 13th Jan 19, 2:20 PM
    • #4
    • 13th Jan 19, 2:20 PM
    Find out if the owner has got planning permission for caravans to be let in their field. If not then you are in a difficult position.
    • 00ec25
    • By 00ec25 13th Jan 19, 2:36 PM
    • 7,489 Posts
    • 7,196 Thanks
    00ec25
    • #5
    • 13th Jan 19, 2:36 PM
    • #5
    • 13th Jan 19, 2:36 PM
    Also to add, I don't know how reliable this link is
    Originally posted by elsien
    it isn't
    it ignores the context for council tax of whether the caravans are occupied as stand alone main residences
    • lincroft1710
    • By lincroft1710 13th Jan 19, 2:45 PM
    • 11,363 Posts
    • 9,747 Thanks
    lincroft1710
    • #6
    • 13th Jan 19, 2:45 PM
    • #6
    • 13th Jan 19, 2:45 PM
    If a sited caravan/mobile home is being used as someone's sole or main residence, then it is a dwelling for Council Tax purposes and thus it is subject to CT. The site owner is at least encouraging/committing Council Tax fraud.
    • CIS
    • By CIS 13th Jan 19, 3:44 PM
    • 10,905 Posts
    • 6,336 Thanks
    CIS
    • #7
    • 13th Jan 19, 3:44 PM
    • #7
    • 13th Jan 19, 3:44 PM
    I echo the above - too often does council tax get bypassed by landlords trying to play the system and ultimately, once the VOA find out, it is not the landlord who gets the backdated demand for an undeclared residence.
    I no longer work in Council Tax Recovery but instead work as a self employed Council Tax paralegal assisting Council Tax payers. My views are my own reading of the law and you should always check with the local authority in question.
    • Facknats
    • By Facknats 13th Jan 19, 4:46 PM
    • 23 Posts
    • 29 Thanks
    Facknats
    • #8
    • 13th Jan 19, 4:46 PM
    • #8
    • 13th Jan 19, 4:46 PM
    How will you get a mortgage if your credit rating is so bad you can't rent?
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