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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Aibu to just want a home for me and my dc!?

61 replies

chubbycake · 26/09/2024 20:52

Looking for a rental property for me (38 year old woman) and two dc (3 and 6) I work full time self employed and we get a UC top up. Total income £32k. We come from rental properties with no black marks.

We are leaving because my soon to be ex husband is an abusive horrible man.

NO ONE will rent to us in our area. They say I have to earn at least 30x the annual rent (which would be on average 39k) They all make excuses to avoid being discriminatory but one of the lettings agents claimed a property was not suitable for children as it had stairs… 😩

Private landlords are pretty much non existent.

I’m really struggling. What do single parents do? I have offered a guarantor and I have money ready for a deposit too!

OP posts:
Mandylovescandy · 26/09/2024 21:34

I don't know what it is like in your area but I would also suggest Gumtree to find a private landlord

KittenOnTheTable · 26/09/2024 21:29

We was made homeless and my kids have asd/adhd the council was really helpful got us a property as I showed them how a hostel/hotel wouldn't work. We had somewhere within 2 months. Is there no way he could leave?

chubbycake · 26/09/2024 21:24

Barney16 · 26/09/2024 21:16

The income multiplier thing is a bastard. This happened to me and the only way round it was to pay 6 months rent up front. Strangely after that no one cared what I earned.

I wish that was possible but thats going to be a figure like £9k! I don’t have that.

OP posts:
Windchimesandsong · 26/09/2024 21:23

Just a thought and I realise it's probably not possible for you as I guess you've already looked into whether it's possible, but is your guarantor in a position to be your guarantor for a mortgage? I'm guessing the deposit is the problem though? I also don't know if it's a good idea as I've heard service charges can be quite high, although I think it varies, but is it worth looking into shared ownership?

I guess though even if that's possible you still need somewhere to live in the meantime. Contact a DV charity and hopefully they'll be able to help and advise you. Also make a homeless application with the council asap.

ETA. Thank you re my question.

I completely understand about not wanting to go the homeless route. I hope you can get good advice from the local DV charity. Re the council. You might be offered a refuge, which isn't like other homeless accommodation. It's safe and there's support.

Alternatively if you make a homeless application to the council, the accomodation offered needs to be appropriate - so they need to take into account you and your DC's needs. Social services might be worth contacting to help with this. If you make a homeless application, it doesn't have to be homeless accomodation. The council might help you find private rentals.

chubbycake · 26/09/2024 21:22

Windchimesandsong · 26/09/2024 21:16

You are most definitely not being unreasonable and I'm so sorry you're in this position @chubbycake

It's an appalling situation and the UK urgently needs more social housing.

As you're fleeing abuse, I understand you should be prioritised for housing (you're also automatically "priority need" because you have children). Some councils are very reluctant to do their statutory duty, although it varies depending where in the UK you are. You need to approach the council as homeless - and if you have any difficulties get help from a local DV charity. It's probably a good idea to contact the charity anyway for support and advice on how to safely leave. I really hope you get somewhere safe and decent for you and your DC. X

(I hope you don't mind me asking and completely understand if you don't want me to. I'm on another thread about homelessness.

A couple of posters wrongly think people choose to be homeless and are all struggling with addiction or severe mental health issues.

Would you mind if I mentioned your post on that thread? I wouldn't link - don't even know how to link threads. I've been trying to explain how many people become or are at risk of homelessness simply because of the shortage of social housing and private landlords wanting quite high income multiples.

I really hope you don't mind me asking and again completely understand if you don't want me to mention your thread.)

By all means go ahead.

I’m really reluctant to go down the homeless route as I have two highly sensitive DC, one with ASD and they’ve just learnt we are separating. Its a lot for them and I know DV charities etc get us put into emergency accommodation which could be a hostel miles away from friends and school and we would have no idea how long we would stay there. I can afford to privately rent and I need to be close to my support system.

OP posts:
Barney16 · 26/09/2024 21:16

The income multiplier thing is a bastard. This happened to me and the only way round it was to pay 6 months rent up front. Strangely after that no one cared what I earned.

Windchimesandsong · 26/09/2024 21:16

You are most definitely not being unreasonable and I'm so sorry you're in this position @chubbycake

It's an appalling situation and the UK urgently needs more social housing.

As you're fleeing abuse, I understand you should be prioritised for housing (you're also automatically "priority need" because you have children). Some councils are very reluctant to do their statutory duty, although it varies depending where in the UK you are. You need to approach the council as homeless - and if you have any difficulties get help from a local DV charity. It's probably a good idea to contact the charity anyway for support and advice on how to safely leave. I really hope you get somewhere safe and decent for you and your DC. X

(I hope you don't mind me asking and completely understand if you don't want me to. I'm on another thread about homelessness.

A couple of posters wrongly think people choose to be homeless and are all struggling with addiction or severe mental health issues.

Would you mind if I mentioned your post on that thread? I wouldn't link - don't even know how to link threads. I've been trying to explain how many people become or are at risk of homelessness simply because of the shortage of social housing and private landlords wanting quite high income multiples.

I really hope you don't mind me asking and again completely understand if you don't want me to mention your thread.)

chubbycake · 26/09/2024 21:07

Toiletrollwaspreciousincovidtimes · 26/09/2024 20:56

Ask at your local council if they have a list of accredited landlords.. All above board ones.. Universal credit also can assist with bond and deposit.. Maybe you could offer 3 months rent up front this way.? Personal and work references may also help. Take pics of your current home and how you have maintained it well to show you are a good tenant..

Thank you, thats good advice. I will ask.

OP posts:
mycatsbestfriend · 26/09/2024 21:04

I was in this position before I got a HA tenancy. It's hard. What was successful for me was to not go through letting agencies and just make a private arrangement with a landlord on gumtree

Toiletrollwaspreciousincovidtimes · 26/09/2024 20:56

Ask at your local council if they have a list of accredited landlords.. All above board ones.. Universal credit also can assist with bond and deposit.. Maybe you could offer 3 months rent up front this way.? Personal and work references may also help. Take pics of your current home and how you have maintained it well to show you are a good tenant..

bergamotorange · 26/09/2024 20:56

It's scandalous really.

I don't know what you should do Flowers but I didn't want to ignore. Could you contact Shelter for advice? I am not sure if you're a priority for housing due to the abusive ex.