FabSwingers.com forum: Landlords & Tenants

By *onnydayz OP Man
over a year ago

preston

I'm a Landlord and have rented a house to great tenants for the last 13 years however due to inheritance they've now acquired their own property which is fabulous for them and I'm really pleased for them as they've been no trouble whatsoever for me.

After refreshing the house I now have an empty property ready.

I want to do something a little different and offer the property to a family who wouldn't normally get the chance of a private rental.

I've found a lovely single mum with four children and she is sole carer for one of her children as he is verbally autistic and has ADHD. They survive on Universal Credit (over £3k per month) and as terms of rental the rent would be paid direct to me.

My Landlord Insurance are insisting on a guarantor but her parents have a CCJ so cannot be used.

Does anyone on here have any experience of this type of scenario or have I just been lucky having great tenants for 13 years.

I just want to help change somebodies life and prove there are kind people on this planet.

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By *ill74Man
over a year ago

New forest area

No experience around the gaurantor part. But the fact it's the council.paying the rent. Is that not good enough?

Good on you for doing so. Hope it woeks out.

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By *hesblokeMan
over a year ago

Derbyshire village

No clue about any of this, but it's nice to hear you're trying to help someone!

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

£3k per month? ......

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By *imi_RougeWoman
over a year ago

Portsmouth

"£3k per month? ...... "

Probably get PIP for the child with autism. That can be quite a bit. UC includes rent money.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

I said I was going to allow a family to live here.

People warned me against it ..... I said ..... ahhhhhhh give over.

Then I saw a film yesterday about a student that killed the live in landlady....

And i'm not easy to live with ....

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By (user no longer on site)
over a year ago

Find another insurer, they sound like asshats!

And you sound nice x

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By (user no longer on site)
over a year ago

I have some experience of this and I think it’s really refreshing that you are giving somebody the opportunity to privately rent what sounds like a nice property, the world needs more people like you.

Normally I’d say make sure that you do push to get the guarantor as if for what ever reasons the universal credit is stopped then you’ll receive no rent and that could take some time to be resolved, however with her child unfortunately having adhd I’d not expect this to happy, have you thought about a bigger deposit ?

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By *imi_RougeWoman
over a year ago

Portsmouth

It's really great that you're doing this, as a single parent on benefits I can relate.

I've been in the same house for nearly 10 years, I knew my landlady as a friend before. I didn't have to pay a deposit or provide a guarantor though .

They said during Covid that my rent was their only guaranteed rental income, the people in their other properties being "professionals", as I claim housing benefit. Yet claimants are so often given a bad name.

Does she have any other family she could ask?

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By (user no longer on site)
over a year ago

Yes i did very similarfor one of my tenants, very similar situation to you. I ended up having to find a better insurance company i was with direct line which quite frankly were horrendous. I went via a local broker and he found a company that suited. Shes been a diamond and no issue whatso ever.

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By (user no longer on site)
over a year ago

Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids.

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"£3k per month? ...... "

That was my first thought!

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By *ull4youbothMan
over a year ago

march

I applaud your sentiment, but having been a landlord for nearly 50 years and tried on many occasions to help people, normally with disastrous results, but to be fair a few excellent ones.

Bear in mind if i goes wrong you could spend many thousands of pounds and over a year in legal proceedings.

Also there is a mountain of regulation for landlords to comply with

Please join the NRLA and study being a landlord

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By (user no longer on site)
over a year ago

"£3k per month? ......

That was my first thought!

Outrageous. Dunno why ai bother working.

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"£3k per month? ......

That was my first thought!

Outrageous. Dunno why ai bother working."

It is but I don’t think it can be right. It can’t be. Nobody would work!

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By *imi_RougeWoman
over a year ago

Portsmouth

Can we please not turn this into a benefit bashing thread.

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By (user no longer on site)
over a year ago

"Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids."

Nobody gets 48k a year for popping out a few kids and that’s a pretty harsh prejudged statement, a child has issues and a parent has to sacrifice their profession why shouldn’t they be supported ? It could be because of lots of different reasons they need support. I do agree plenty take advantage of our very generous system but I tend to be the type of person to look for the good not the bad.

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By *ringles0510Woman
over a year ago

Central Borders

A lot of agencies don't look at universal credits as an income, so they'll see her as not getting money in. I would have thought that ultimately it's up to the owner to go ahead without guarantor x

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By (user no longer on site)
over a year ago

"Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids."

She's not being paid 48k

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By (user no longer on site)
over a year ago

"Can we please not turn this into a benefit bashing thread.

I agree, people are very quick to prejudge without knowing facts.

OP I think it’s great your helping somebody and just by creating this thread it’s clear you care and are a decent guy, well done you

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By *imi_RougeWoman
over a year ago

Portsmouth

"Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids."

12 x 3 is 36... And you don't know her full circumstances. She also has a "disabled" child. I'm quite sure she'd prefer for them to be healthy and live a "normal" life (I know there's a whole spectrum and people can live with it before anyone starts) you don't know the extra costs that been incur and the fact that she probably can't work.

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By (user no longer on site)
over a year ago

I'm not benefit bashing, I'm just amazed they are so generous.

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids.

I can have an opinion. I am in the same boat but I am self employed. There’s no such thing as PIP. It’s DLA and even the highest rate is nowhere near contributing to that. So I would be interested to know how someone gets 3 grand a month. I saw this earlier and wasn’t going to comment as that’s not what it’s about but I noticed other people had and yes I’d be interested to know how and why someone gets that much if anyone would care to enlighten me.

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids.

I do

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

You don’t have to for building only insurance it’s up to you. If you use the online system they will decline the application and advise guarantor for anyone or benefits but you don’t have to. Being a guarantor now is as hard as being a tenant !

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By (user no longer on site)
over a year ago

"She's not being paid 48k"

If you earned £3k a month through a normal job that is equivalent £48k.

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By *imi_RougeWoman
over a year ago

Portsmouth

"Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids.

Sorry, yes DLA for up until they're 16?

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By *ill74Man
over a year ago

New forest area

"£3k per month? ......

That was my first thought!

Outrageous. Dunno why ai bother working."

Rent. Bills. Council tax. Clothes. Transport. Food. A full time carer.

How about you swap lives with her and deal with all of that.

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By (user no longer on site)
over a year ago

"£3k per month? ......

That was my first thought!

Outrageous. Dunno why ai bother working.

Rent. Bills. Council tax. Clothes. Transport. Food. A full time carer.

How about you swap lives with her and deal with all of that.

No thanks. I chose not to have kids.

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By *imi_RougeWoman
over a year ago

Portsmouth

It's easy enough to look up the rates that are paid on the gov UK site.

There is also a cap in some places/situations.

For instance, now people don't get money after they've had more than 2 children. That's a recent rule change. So if her children are all older, that might explain the amounts.

She'll get UC money for her, money per child, child benefit per child, possibly DLA (for care and mobility) for disabled child, rent money. She'll possibly have to top up the rent as they don't always cover the whole amount.

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By *imi_RougeWoman
over a year ago

Portsmouth

"£3k per month? ......

That was my first thought!

Outrageous. Dunno why ai bother working.

Rent. Bills. Council tax. Clothes. Transport. Food. A full time carer.

How about you swap lives with her and deal with all of that.

No thanks. I chose not to have kids.

Great idea

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By (user no longer on site)
over a year ago

I think it’s great what you’re trying to do mate. Nice one!

I have experience in this field and there’s not much you can do unless they know someone willing and in a position to help.

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By *agpie and RavenMan
over a year ago

Leicester

Male here. I had 5 years experience running a letting agency and yes, some tenants on benefits have been a nightmare, as have working tenants. References aren't worth the paper they're written on. My advice to you OP is, if at all possible, arrange to visit her where she resides now. At least you'll have an idea how she lives.

And yes, 36k a year cash in hand is an awful lot to be getting for doing fuck all.

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By (user no longer on site)
over a year ago

https://www.preston.gov.uk/article/918/Housing-Advice-Service-for-landlords

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"It's easy enough to look up the rates that are paid on the gov UK site.

There is also a cap in some places/situations.

For instance, now people don't get money after they've had more than 2 children. That's a recent rule change. So if her children are all older, that might explain the amounts.

I was just surprised at the amount. I know how much DLA is etc. I know nothing about universal credit so to me that’s a bloody big top up that’s all.

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By (user no longer on site)
over a year ago

Can people stop speculating and doing the Daily Fail's usual thing of ripping to shreds based on assumption, no one knows this ladys circumstances.

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By (user no longer on site)
over a year ago

"I was just surprised at the amount. "

Me too.

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By (user no longer on site)
over a year ago

"Can people stop speculating and doing the Daily Fail's usual thing of ripping to shreds based on assumption, no one knows this ladys circumstances."

No one did.

It's all just virtue signalling.

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By *andare63Man
over a year ago

oldham

I've been renting properties out for 35 years and have never come across an insurance company refusing to insure any of my properties due to a tenants circumstances. I do however pay a higher premium for certain types of tenants. It can also depend on your past history as a landlord, is the property mortgaged etc. Incidentally I only insure my buildings and tend to use a comparison site. However I find the cis provide very competitive prices. Good luck

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"Can people stop speculating and doing the Daily Fail's usual thing of ripping to shreds based on assumption, no one knows this ladys circumstances."

No. I want to know how she gets that amount if someone knows.

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By *os19Man
over a year ago

Edmonton

"I'm a Landlord and have rented a house to great tenants for the last 13 years however due to inheritance they've now acquired their own property which is fabulous for them and I'm really pleased for them as they've been no trouble whatsoever for me.

After refreshing the house I now have an empty property ready.

I want to do something a little different and offer the property to a family who wouldn't normally get the chance of a private rental.

My Landlord Insurance are insisting on a guarantor but her parents have a CCJ so cannot be used.

Does anyone on here have any experience of this type of scenario or have I just been lucky having great tenants for 13 years.

I just want to help change somebodies life and prove there are kind people on this planet. "
. I think it’s good that you want to help someone.But I wouldn’t use the words survive on £3K a month.If your figures are correct that the person you want to help is currently on £3K a month then how much more financial help do they need.I appreciate that a large chunk of the UC payment goes towards rent and how much is left over for necessities or luxuries.

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By *elethWoman
over a year ago

Gloucestershire

"Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids."

Benefits are not handed out on silver platters, they are damn hard to qualify for. Those who care for those with disabilities, especially those who do it 24/7 without pay, have one of the most demanding jobs I can imagine. I have the utmost respect for them and am happy to contribute to their costs. There but for the grace of god go I.

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By *iss_tressWoman
over a year ago

London

"£3k per month? ......

That was my first thought!

...and mine.

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By *imi_RougeWoman
over a year ago

Portsmouth

I'll work out how much I get a month, as a single parent with one child, per month. I'm on legacy benefits though, which includes Employment Support Allowance for being too ill to work.

Hang on...

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By * Lexi xWoman
over a year ago

stockport

Maybe her housing benefit is included in that.

Depending on the area it’s can be £1500 for a 4 bed house.

If that’s the case £1500 to live on isn’t that major…….

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By *a LunaWoman
over a year ago

South Wales

Nobody knows if she is even getting that amount. The OP may have just guesstimated the amount for now or plucked a number out of the air for the purpose of putting a figure in his OP.

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By (user no longer on site)
over a year ago

The local council sometimes offer a guarantee scheme - I had to access this when I was fleeing violence 16 years ago but I believe a lot still offer it. It’s worth her ringing up and checking

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By *elsh_naturist_coupleCouple
over a year ago

Newport

There are sites where you pay £600 and someone will be your guarantor!

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By *ora the explorerWoman
over a year ago

Paradise, Herts

Ok I take it back. I’ve just done the calculator as if I wasn’t working and didn’t own a house. £2850. I need to rethink my life clearly!

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By (user no longer on site)
over a year ago

"The local council sometimes offer a guarantee scheme - I had to access this when I was fleeing violence 16 years ago but I believe a lot still offer it. It’s worth her ringing up and checking "

This is partly why I recommended checking with his local authority - many are screaming out for private landlords to help them with their housing issues so are happy to cover everything theirselves.

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By *imi_RougeWoman
over a year ago

Portsmouth

I get £1528.84 per month in total. And that's for 2 of us. So 3k for 5 people is probably right.

700 rent (my rent is incredibly cheap for where I live and this is the first time in 10 years it's been fully covered by HB)

282.79 child tax credit

91.65 child benefit

452.40 ESA

So there you go.

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By (user no longer on site)
over a year ago

Highest rate PIP care and mobility is £150 a week, UC could be between £950-1300 a month depending on what elements she gets. Rent a council tax allowance on top.

Those knocking people knocking her for claiming benefits have obviously never raised a severely disabled child/children. It's not easy and there is little help out there. Disability support is massively underfunded and parents often spend their lives looking after their child or children with no prospect of being able to have a job.

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By (user no longer on site)
over a year ago

"Ok I take it back. I’ve just done the calculator as if I wasn’t working and didn’t own a house. £2850. I need to rethink my life clearly!"

How many children if you don't mind me asking?

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"Ok I take it back. I’ve just done the calculator as if I wasn’t working and didn’t own a house. £2850. I need to rethink my life clearly!

How many children if you don't mind me asking?"

That’s with just one under 16

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"Ok I take it back. I’ve just done the calculator as if I wasn’t working and didn’t own a house. £2850. I need to rethink my life clearly!

How many children if you don't mind me asking?

That’s with just one under 16"

That does include DLA though. And carers allowance and child benefit which I don’t get now as they’re both means tested.

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By *imi_RougeWoman
over a year ago

Portsmouth

"Highest rate PIP care and mobility is £150 a week, UC could be between £950-1300 a month depending on what elements she gets. Rent a council tax allowance on top.

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By *ora the explorerWoman
over a year ago

Paradise, Herts

"Highest rate PIP care and mobility is £150 a week, UC could be between £950-1300 a month depending on what elements she gets. Rent a council tax allowance on top.

Monkey nobody is knocking her for claiming benefits. I do all that and work too. People are just surprised at the amount. I’m surprised at the amount. I’ve never even thought to look into it before. Now I know.

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By *ruebameMan
over a year ago

from the womb and tryout to get back

"Ok I take it back. I’ve just done the calculator as if I wasn’t working and didn’t own a house. £2850. I need to rethink my life clearly!

How many children if you don't mind me asking?

That’s with just one under 16

That does include DLA though. And carers allowance and child benefit which I don’t get now as they’re both means tested. "

Hands notice in heads off to dole seriously didn't think you would get that much know wonder some people don't want to work

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By (user no longer on site)
over a year ago

[Removed by poster at 14/07/21 19:42:51]

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By (user no longer on site)
over a year ago

Are we reading different threads?

No one was knocking anyone.

A few hit nevres and a hell of a lot of virtue signalling here.

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By (user no longer on site)
over a year ago

I'm glad we can talk about it like adults though.

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By *asmeenTV/TS
over a year ago

STOKE ON TRENT

Whats going on here???

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By *asmeenTV/TS
over a year ago

STOKE ON TRENT

After refreshing the house I now have an empty property ready.

I want to do something a little different and offer the property to a family who wouldn't normally get the chance of a private rental.

My Landlord Insurance are insisting on a guarantor but her parents have a CCJ so cannot be used.

Does anyone on here have any experience of this type of scenario or have I just been lucky having great tenants for 13 years.

I just want to help change somebodies life and prove there are kind people on this planet. "

I don't get this

Are you looking for a tenant of here

Or you want praise for your good samaritan act???

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By (user no longer on site)
over a year ago

After refreshing the house I now have an empty property ready.

I want to do something a little different and offer the property to a family who wouldn't normally get the chance of a private rental.

My Landlord Insurance are insisting on a guarantor but her parents have a CCJ so cannot be used.

Does anyone on here have any experience of this type of scenario or have I just been lucky having great tenants for 13 years.

I just want to help change somebodies life and prove there are kind people on this planet. "

Have you spoken to your local council? Many areas have a scheme where they will pay the deposit and guarantee the rent if you offer a 1 year rental agreement to a family on their list. It’s very hard for families to afford private rentals, particularly with the ceiling on rooms/no of tenants.

I have a 3 bed I rent out and was going to use the scheme but it meant that single parents needed lots of kids to afford the rent. Instead I rented it to a very nice couple with a toddler and dog. They both work for the council but earn just above the level to get any help with the rent. I also allowed them to pay the deposit over 4 months. They are a lovely family and really enjoying being able to have moved out of a one bed flat. I found the best place to advertise was on Facebook’s Marketplace.

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By *os19Man
over a year ago

Edmonton

"I get £1528.84 per month in total. And that's for 2 of us. So 3k for 5 people is probably right.

700 rent (my rent is incredibly cheap for where I live and this is the first time in 10 years it's been fully covered by HB)

282.79 child tax credit

91.65 child benefit

452.40 ESA

So there you go. "
. If you could work in order to earn that sort of money you receive in benefits you would have to work 160 hours a month at 9.50 a hour net pay.National Minimum Wage is £8.91 a hour gross. I am not sure how many would choose to work if they could get the same sort of money on benefits

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By *imi_RougeWoman
over a year ago

Portsmouth

"I get £1528.84 per month in total. And that's for 2 of us. So 3k for 5 people is probably right.

700 rent (my rent is incredibly cheap for where I live and this is the first time in 10 years it's been fully covered by HB)

282.79 child tax credit

91.65 child benefit

452.40 ESA

So there you go. . If you could work in order to earn that sort of money you receive in benefits you would have to work 160 hours a month at 9.50 a hour net pay.National Minimum Wage is £8.91 a hour gross. I am not sure how many would choose to work if they could get the same sort of money on benefits "

But then you have to factor in bills and child care, so it wouldn't work out.

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By *os19Man
over a year ago

Edmonton

"I get £1528.84 per month in total. And that's for 2 of us. So 3k for 5 people is probably right.

700 rent (my rent is incredibly cheap for where I live and this is the first time in 10 years it's been fully covered by HB)

282.79 child tax credit

91.65 child benefit

452.40 ESA

But then you have to factor in bills and child care, so it wouldn't work out."
. You are right it’s just not practical for some people to work especially if there is a illness or a lone parent

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By *onnydayz OP Man
over a year ago

preston

You're not allowed to do that anymore. 5 weeks is maximum due to change in legislation in 2019.

Her family offered me £4k deposit as she lives in Devon and I'm Lancashire but I'm not allowed to accept it.

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By *onnydayz OP Man
over a year ago

preston

Thankyou

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By *onnydayz OP Man
over a year ago

preston

"No experience around the gaurantor part. But the fact it's the council.paying the rent. Is that not good enough?

Good on you for doing so. Hope it woeks out. "

Thankyou

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By *onnydayz OP Man
over a year ago

preston

Er...£3k x 12 months = £36k and its DLA because one child is severely disabled and she is his sole carer.

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By *onnydayz OP Man
over a year ago

preston

"https://www.preston.gov.uk/article/918/Housing-Advice-Service-for-landlords"

Wrong council

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By *iamond coupleCouple
over a year ago

leeds

"Have you tried your local council? Many of them are searching for landlords to house people who normally can't get housing and will cover pretty much everything for you.

As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids."

£3k X 12 = £36k. Not £48k

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By *elethWoman
over a year ago

Gloucestershire

"Are we reading different threads?

No one was knocking anyone.

A few hit nevres and a hell of a lot of virtue signalling here."

"As an aside - £3k a month of universal credit?! No one should be paid £48k a year just for popping out a few kids."

""£3k per month? ......

That was my first thought! "

Outrageous. Dunno why ai bother working."

Sounds like benefit bashing and knocking people to me. And the virtue signalling comment is pretty dismissive. In my experience comments like that tend to shut down debate rather than encourage it.

I hope you find a way to help your prospective tenant while retaining your insurance, OP. It's a great thing to do.

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