To think it's disgusting the amount of landlords who won't accept DSS?

[7hup]

My friend is 36 and just been kicked out by her boyfriend because she had a mental breakdown and multiple suicide attempts .

She's just been released from hospital and has been given a B&B room as temporary accommodation.

She has to claim universal credit as she is in no fit state to work.

Council said if she can find private housing they will cover her first month's rent/deposit/fees.

No where takes housing benefit.

It's unfair.

There's no council accommodation and no private landlords will accept it.

She's 36. No children. No pets. Doesn't drink. Doesn't smoke. Is quiet and polite. Keeps to herself. Clean and tidy. She just needs a home :(

Its working people too. My Dsis has a kid and can't move out of my mums because she works only 16 hours because of her son so would receive housing benefit. So she can't move either.

Even on Spareroom. Co. UK in our area there are 674 rooms.

ONE takes DSS. And is dou le the price of similar rooms

It's so unfair :(

oliversmummy I’d got the filter set on houses at £170k so that’ll be why I didn’t find it - you had said it was a house

I never said House. I said 3 Bedroom place. I was going on bedrooms.

Comparing the first place 3 bed place in Kennilworth you can get for £170,000

But how can you see into the future, I don't understand

If you see something happening again and again for over 100 years. I don’t think seeing the future is such a surprise.

Maybe research a little bit.

The moon comes out at night and the sun comes out during the day.

I don’t need a crystal ball.

oliversmummy are you suggesting that the average house price in UK was £55 in 1900?

Friend who back in the early 80s thought we were mad buying a tiny studio flat when she and dh just went to the council and got given a 3 bedroom council house in a nice area.

This was what you posted oliversmummy

This was why I searched fora 3 bedroomed house

Olivers I’m not sure that’s always true, though it may have been the case in ‘snapshot’ cases, in certain areas and certain ten year periods but it’s hardly to be relied on or applied generally.

I bought a property 7.5 years ago for 203k and it’s now worth around 300 but I doubt I’d get more. I’ve not spend anything on it really. I’d market it for 300 and expect offers of 290. And that’s in an area that’s seen good growth. As it stands, It’s got some serious work to do if it’s going to make 406k in the next 2.5 years, especially with Brexit.

I also recently sold a property I bought in 2012 for 125k plus 7k lease extension and I sold it last year for 180 but that was after putting in a. New kitchen and bathroom so I didn’t make much really. I can’t see it being worth over 250k in two years. Also in an area of good growth.

I bought a house in 1999 for 200k and sold it in 2005 for 400k but I spent about 100 on it.

I bought a house in 2006 for 800 and sold it in 2011 for 1.2 million but spent about 200 on it. That house has recently sold again for 1.5 and they’ve spent tons more on it so I seriously doubt they’ve made much at all.

Overall I’ve done really well out of property but I don’t think anything I’ve owned has ever truly doubled its value in ten years. The trouble with very blunt stats like that is that they don’t take account of what’s been spent on these properties to make them worth double..

t's the government's for making it so hard with UC to have a steady amount coming in

Much as I dislike the current government landlords have said No DSS for years; it was the case 30+ years ago when I was renting.

I agree bizzle the current housing crisis and the difficulties of renting in the private sector when you claim HB has virtually nothing to do with any policies for the current government.

It's not an ideal scenario but there are so many aspects that make landlords avoid DSS.
We don't rent to DSS tenants because of the insurance costs. We don't have a mortgage so don't have that issue to consider but we've been burned once for taking on a tenant with a CCJ (not the same but put us off anyone who wasn't squeaky clean and earning plenty to pay rent) and she paid one month's rent then got sacked for gross misconduct and never paid another rent payment until she was told to pay up or get out. Fortunately she cut her losses and got out rather than putting up a fight and staying put but there's no way we want to end up like that again.
If DSS was paid direct to the landlord, I'd consider it on an individual basis, but it's just not worth the risk unless you're desperate for tenants. And that's a shame because there are plenty DSS recipients who would be perfect tenants but there's no incentive to find them when you may be at risk.

ivykaty44 I was referring to the 3 bed place in Kenilworth as someone was trying to point out that a 3 bed council place for rent was lower than the mortgage for a 3 bed in the same area

Oliversmummy - I put in the search like for like going on what you had written in your post, if you’d written 2 bed council house - then I’d have search for that style of property on right move website but I set the filters to fit the criteria you’d given

Re increase in house prices. DH and I bought our first house in 1978 for £18,000. Same kind of property in that area is now £300,000+ on Rightmove

I didn't give the criteria it was another poster who was referring to 3 bed places that you could rent from the council

proudestofmums

So £18000 1978
£36000 1988
£72000 1998
£144000 2008
£288000 2018

Now £300000+ presumably money spent on updating in the last 40 years would make it about right

oliversmummy it was you that wrote about your friend moving into a 3 bedroom council house whilst you were squashed up in a 1 bed flat...

As for house prices in 1900 you didn’t answer whether average uk house prices were £55?

Ivykatie

Did you actually look at what you posted?

I was responding to your assertion that you couldn’t get a mortgage cheaper than council rent. You directed us to a site that had a council property to rent for £109.99 per week and I was pointing out that if you needed 3 bedrooms there were places that were cheaper and much cheaper overall as at some point you could sell the property and move on. Whilst if you continued to rent there was no end in sight

My friends 3bed council house I was using as an example of someone who could have started exactly at the same place we did and now would be in a position to move and buy for cash and buy a holiday home as well but instead she and her Dp are still paying more than we have ever paid on a mortgage and will continue to pay month on month till they die or go in a home.

Oliversmumsarmy that is very simplistic. You need to factor in not just the costs of the mortgage, house insurance, and ongoing maintenance which adds up year on year, which as renters you don't really need to do. Additionally, if you are looking at areas that as private tenants are expensive, the commesurate council or HA property is considerably less to rent. But I agree that overall, buying is going to be chaeaper in the long run, plus you have something to leave your children. But renting does have a lot of advantage. Flexibility in moving without having the issues around buying and selling, and relatively little maintenance being two that immediately spring to mind.

oliversmummy perhaps you should read what you have written, as even when it’s copied and pasted and shown to you can’t accept you wrote it. I set the filters in right move, like for like on a 3 bedroom house that you had and that was why I couldn’t find the flat - I explained this before

You need to factor in not just the costs of the mortgage, house insurance, and ongoing maintenance which adds up year on year, which as renters you don't really need to do.

This is changing within social housing. In my area contents insurance is required. In the event of, say, a water pipe rupture upstairs the HA will resolve the rupture but expect the tenant to repair any ceiling damage.

You need to factor in not just the costs of the mortgage, house insurance, and ongoing maintenance which adds up year on year, which as renters you don't really need to do

Well actually you do. You just pay it through your rent.
Do you think landlords don’t add it to the rent.
If your rental property has had a new kitchen put in do you believe it goes back on the market for the same or less money it was renting for before the update or more.

Don’t forget if you are renting you are paying someone else’s mortgage as well.

Rents have increased in the last couple of years. The government stopped tax relief on mortgage payments so landlords increased the rent through the shortfall.
A few landlords sold up but that only led to less rental properties so the price increased.

Whilst you might not physically pay house insurance you will still pay contents. House insurance is not exactly a deal breaker in terms of costs and if you are in a flat you will pay only contents because you pay through your charges for the building insurance.

I haven't read the full thread, I know it's mostly down to insurance purposes but how are the insurance companies not getting done for discrimination? I've been here myself and the Council’s say "just private rent" but they know you can't! An insurance company wouldn't be able to say "you can only have white tenants Or black tenants" so why is different?! I need to know the answer!!! Especially in this day and age wen everyone's being precious snowflakes about everything and we can't insult anybody by saying a boy is a boy or whatever but they can do this?? It's bizarre!! And actually, if I worked full time I could lose my job tomorrow, but with housing benefit you would at the very least be guaranteed the council payment so surely it's actually more secure?!

but with housing benefit you would at the very least be guaranteed the council payment so surely it's actually more secure

But you aren’t guaranteed the HB.

If you lost your job tomorrow you might decide eating or an electric bill was more pressing than paying your rent.

ami it’s to do with risk I expect.

Should be stages of HB assessment imo. Someone chronically disabled for 20 years on HB is vastly different to someone between jobs, for an example.

^ re: privately renting.

Ami, it's all to do with statistics and risk. Just as car insurers can choose what cars and drivers they will cover - i.e. a seventeen year old with a Ferrari isn't going to have the choice of many insurance companies as the risk is too high. Therefore house insurers who want cover benefit claiming tennants will have data showing why they consider them to be too high a risk.