To think tenants aren't aware of the effect the section 21 ban will have?

[Treacletoots]

Another win for tenants... No more no fault evictions. Or is it a case of be careful what you wish for?

An unintended consequence of this will likely be more section 8 notices if a landlord needs to remove a tenant. Section 8 notices usually are accompanied by a CCJ if they are successful and due to rent arrears. Currently most landlords use section 21 to save the hassle of court and the tenant doesnt get a CCJ.

Good landlords simply don't evict good tenants for no reason. It doesn't make sense. With the tenant fee bans it makes even less sense to remove tenants and then have to fork out again to refresh the property, re reference new tenants, advertise etc.

In 90%of cases tenancies are ended by the tenant and in only 2% are they revenge evictions. Landlords will be more worried than ever to let to higher risk tenants so may just sell up, losing houses from the rental market. Local authorities don't have enough housing to re home people and so this will likely cause more homeless.

Can nobody else see that banning section 21 will likely lead to more suffering, not less!

No she couldn’t afford the house. If she could she wouldn’t have £40k debt.

It isn’t surprising on £1500 a month.

You said the house was a shit hole. A miracle 95% mortgage on a £22k salary is pointless if the property needs a load of work. You factor in the work needed before you buy. It’s part of your affordability calculation. She didn’t do that and not duoridingly in her salary couldn’t afford the property.

The work could have waited ... I don’t know many home owners tyat haven’t lived with boiling kettles for a wash whilst they replace boilers etc. new bathroom was indulgent, kitchen again could have waited and new carpets throughout bedrooms half of which aren’t used. Lots of bad decision making. But the house itself was deemed affordable by those who mortgaged it. And did the survey so nothing came up on that tyat tye bank considered enough of an issue to risk their money.

There’s no denying it was a ridiculous purchase.

Many people are shut out of home ownership and should be protected.

I'm shut out of home ownership, for the time being anyway. I'd settle for not being treated like someone is bestowing a massive favour on me by 'allowing' me to live in 'their' house and totally forgets that they're getting money in return for that. Tenants wouldn't need protection if some landlords didn't see themselves like the lord of the manor bestowing kindness on the poor people, like keeping a house you're getting money for, in a livable condition, is some sort of wonderful gesture.
Tenants wouldn't have anywhere to live if it wasn't for landlords, but then if it weren't for tenants there'd be a lot of landlords paying their own mortgage or into their own 'pension'.

You said it was a shit hole. Some work will need to be done sooner rather than later with shitholes Leaving it longer will make it worse. Sounds like she bought a house that was only affordable on £22 k because it needed so much doing to it ie it was more than she could afford on her salary. She couldn’t afford it.

Actually there used to be a huge difference in the cost of a house that needed considerable refurbishment and was in a poor standard, ie hadn’t been touched in 25 plus years, and a similar property in the same street that was totally refurbished. Now, there is hardly any disparity. A terraced house or semi fetches the same money regardless of condition.

Not in our area.

I guess my definition of a shit hole isn’t the same everywhere. And a lot of the work only became apparent once they’d moved in they were definitely lied to. Having done all the work they wouldn’t make a penny because the house was valued on the basis of the condition it’s now in

Property that others don’t want to buy drops in value after it’s been sitting around a while. Buyers can also knock money off the price if work comes to light and sellers want a quick sale.

Only if they know the work needs doing

There are bad tenants and bad landlords, just like anything really.

I guess the landlord owns the property and should have a right to do what he wishes with it, assuming he abides by the terms of the contract. However, I can see that is tough for tenants and randomly repossessing a property is not really behaving decently. On the other hand I don’t think tenants should feel ownership without the burden of actually buying a property.

As a country we need a solution to property shortages but making properties harder to let is not the solution. Ultimately landlords hate voids as they have to maintain a property and run it at a loss, so they are very incentivised to rent it out. Contrast that with very rich investors in central London where some developments are 20% occupied. That is a problem that really needs a solution.

The point is on £22,000 they bought a house. It can and was done. If you can’t earn £22,000 between two adults then I honestly don’t know what to say, you probably are stuffed

Any work woukd come to light on a survey.

And sorry I don’t think you’re correct saying it can be done on £22k going by your friend as an example. All she could afford was a shithole and she is now £40k in debt.

That isn’t doing it, that is getting in serious debt. Who knows what mortgage she got too. A 95% mortgage isn’t exactly going to give you the best pickings re rate. Paying above the odds because that is all you can afford which will also result in debt when you can’t afford to pay it isn’t doing it either.

You’d be able to buy sfa in my area on that salary anyway.

I think something needs to be done about tenants only getting one or two month's notice when LL want to sell.

It's just not long enough. Especially for families with children in local schools.

LLs should be made to give 6 months notice if they want to sell or want to move back in themselves.

@Homefireburn1ng when did you last buy a house ? Because I’m telling you now the last two I bought in 2018 and 2007 the surveys did not pick up huge amounts of work. Equally again what a surveyor May deem acceptable you may not, inefficient heating for an example - these things are specifically noted on surveys as not being tested. Should she have tested them, yes. Hindsight is a wonderful thing.

But for a salary of £22,000 she did buy a house, 4 walls and a roof. And if that’s what’s important to you and you can save up and budget and not run up £40,000 on credit cards, fuck knows who and why they even were allowed to keep those cards along side the mortgage, but that’s another story.

@HennyPennyHorror I presume that’ll work both ways then and the tenant will have to give 6 months notice ? I’m currently going through TDS because mine didn’t even think a months notice was needed

The laws have changed in Scotland, to make it harder to evict a tenant for lapse in rent payment, or that is how I read them, but I will be selling the properties when the present v good tenants move out. I don't want the stress of dealing with a non-paying tenant (which I have had to in the past). The non-payer couldn't afford the rent so it is either be the nasty evictor or be the generous benefactor giving free housing. Neither is good from my point of view.

Liverpool I think that would be fair yes. As a tenant I prefer a long let...and in return I am an excellent tenant. I would not mind giving 6 months notice were I to leave somewhere...not if they were doing the same for me.

It bought 4 walls( wouldn’t in my area) but on that salary it wasn’t sustainable as she was forced to buy a shit hole which she couldn’t maintain.

@Homefireburn1ng but with respect she’s actually quite happy with her house

She has £40k debt. She may well be happy but if she is unable to pay the mortgage she will lose the house,it is clearly not sustainable on that salary. When she remortgages I doubt other companies will touch her so if her current company gives her a worse deal she is screwed.

I don’t disagree with you. But individuals have to take responsibility for their actions, keeps coming back to as a homeowners we have to make decisions like everyone else don’t we. I’m not going to gossip and pick her decisions apart but we all make mistakes and I keep coming back to the facts. £22,000 did indeed purchase a house, what she’s then decided to do with it is on her. £2000 for new carpets was not essential repairs. If it was me I’d have paid £4,000 for the boiler, paid that off then bought carpets but she’s an adult

I was referring to your inference that anybody can afford to buy. They can’t and it involves much more than any old 4 walls.