Awful housing situation - please help (estate agents?)

[Idonthavemytoolsmycloak]

I hardly dare type this because I'm so scared of the replies.

Basically we have unexpectedly been given notice on our rented house. We have two months to get out (me, DH and two DDs). The problem is that DH informed me last night that there's no way he'll pass a credit check and probably not the affordability check because he's behind with tax. Otherwise we can prove affordability easily.

The ONLY thing that we have going for us is that we've rented for the last ten years (3 different properties including this one) and have an impeccable renting record. We pay upwards of £2000/month in rent and have never missed a payment or had any complaints against us or anything like that. We had to move previously because the houses were being sold.

So at the moment we can't see a way out and I'm petrified that we'll end up homeless in two months. DH is in a dreadful state and I want to help him but I don't have anything positive to say at the moment.

Does anyone have any advice??

I don’t see how that makes any difference? They owe the money whether they pay in cash or a charge against a property. The revenue would much prefer cash.

there are loads for reasons they may not have purchased a house. The most obvious one being that he earns £9/10k a month and hasn’t been paying the tax on it. He’s now in a race to pay off the arrears and manage the current tax due which would obviously be prioritised over saving a deposit. They still have to live somewhere

Your situation is very similar to how mine was last year. I had good credit, husband didn’t and landlord was selling the house. I could not find a solution for us at all and it was so stressful. In the end I solely purchased a shared ownership property which was affordable to me personally. I was able to afford 37% of the house myself and pay a relatively low rent on the rest. The deposit was low, solicitors fees were quite high but it’s the only way we could get round it. Definitely worth considering.

Given that @Idonthavemytoolsmycloak says she “work(s) but don't earn much”, I doubt she is in a position to purchase a property on her own - even a 37% shared ownership property. So her situation is very different.

Your income is absolutely huge!! And you are affording £2k a month in rent. Why don't you just buy somewhere?

Open rent often has houses for rent that are not managed by estate agents.

if you have high income as you clearly do then some estate agents are open to conversations. Depends what the rental market is like in your area.

when I first got divorced I did not want to buy in a new area without renting but I had to have a couple if conversations about cash in hand before an estate agent accepted me.