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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Rent increase - fuck fuckity fuck!!!

575 replies

BlondeWaves · 14/11/2022 11:14

Moved into my house 2.5 months ago and now having to move as had a letter from the landlord to say rent is going up by 150 a month. I KNOW I am being unreasonable but I am sat here sobbing because I've just settled here with my young child and the thought of having to go through all that upheaval again is so stressful. I can't afford the extra 150, I'm already stretched with the way everything has increased. This could happen again and again and I just hate our government and the way things are at the moment. I have no resentment towards my landlord as I know his mortgage has realistically gone up by more than 150 a month, but fuck, I'm so stressed. Don't even know what I want from this thread, maybe a handhold, maybe to be told I need to suck it up (weirdly I respond well to tough love) but I need something. Anyone there? 😭

OP posts:
Kazibar · 14/11/2022 15:55

Suspect all the economic uncertainty esp on interest rates means that many LL are going to find that what were nice little earners become liabilities. If people cannot pay the ever increasing rents or mortgages, house prices will prob fall drastically as the market stops moving.

ToInfinityAgain · 14/11/2022 15:58

Justkidding55 · 14/11/2022 15:54

Greedy CF. Whether his mortgage has gone up or not he’s still making plenty of profit. Say you’ll move out he might change his mind. And I hope he gets a tennant who trashed his place next time.

How do you know that he’s making plenty of profit? Property doesn’t seem to be going up in value much, if at all, and you’ve no idea if he’s making a profit on the rent or not.

Blossomtoes · 14/11/2022 16:00

Kazibar · 14/11/2022 15:55

Suspect all the economic uncertainty esp on interest rates means that many LL are going to find that what were nice little earners become liabilities. If people cannot pay the ever increasing rents or mortgages, house prices will prob fall drastically as the market stops moving.

I think it’s inevitable that the housing market will fall dramatically over the next few years. The recession just beginning is predicted to be a long one and the worst for 100 years.

GonnaGetGoingReturns · 14/11/2022 16:02

Kazibar · 14/11/2022 15:55

Suspect all the economic uncertainty esp on interest rates means that many LL are going to find that what were nice little earners become liabilities. If people cannot pay the ever increasing rents or mortgages, house prices will prob fall drastically as the market stops moving.

Our BTL's aren't 'nice little earners'. And we only have 3, a small terraced house and 2 flats in new build blocks.

We as a family bought them because the prices were cheap (they were do-er uppers) and it was in a part of town that's ok but not great (because right in town/city centre) but excellent transport links, shops, amenities.

We rent them to renters at an affordable rent but obviously as it's a business transaction it's not super cheap and we're not running a charity.

It's mostly to subsidise my DM's pension and my DB will get not much of one.

And we saved/invested to be able to afford these properties.

They're kept in good condition, all have nice bathrooms/kitchens/everything is working and safe. A couple of them have mentioned rising bills and we've got the letting agency to advise them if there's anything they need to save bills. They got electricity meters and we lagged the loft/suggested other ways to cut costs as one is small terraced house and for the flats suggested other ways to save on heating etc. How many landlords do that? We use an agency but have also said we are there to speak to them too (as we managed properties before the agency). The tenants did express concerns via the agency that they were worried we might sell up and we told agency to tell tenants that we would not sell and not to worry.

GonnaGetGoingReturns · 14/11/2022 16:03

As I said before, there's a very big difference between a landlord who has BTL's as a business and has literally 100-200 of them... and between your everyday person who's invested in a BTL to subside their lfestyle, like lack of a pension or for extra money generally.

GonnaGetGoingReturns · 14/11/2022 16:04

Anyway, I think this thread has been derailed and should be in another section of MN as OP isn't getting much advice now.

walkinginsunshinekat · 14/11/2022 16:04

LyndaLovelace · 14/11/2022 15:31

@shutthe the issue is not that the OP can't afford rent, or the fall in council houses, it's that the boy's father is nowhere to be seen. The CPS needs to be scrapped and started again. There should be TWO people supporting the child.

Also, if the OP had a deposit, she could afford a home for £850 a month on a mortgage.

Most people have the aspiration to own a home. The issue is that not enough houses have been built, not that council houses were bought by the tenants.

Perhaps the absent father has little or no money himself or left the country & what about all the single parents with no surviving father or mother?

Just because someone has been paying 100s to a LL means nothing to a lender and of course, paying such amounts means they haven't been able to save for a deposit.

I recent looked into helping my DD to get on the property ladder, thinking 10k would be enough, no, she'd now need nearer 50k for a 250k house and 250k houses are like rocking horse poo plus of course, after Truss, she now couldn't afford the repayments, despite earning 30k.

Hellno44 · 14/11/2022 16:05

Speak to your landlord. Mine wanted to put my rent up by £100. I spoke to him and told him that it wasn't financially viable for us but I could manage £50. He agreed it. Realistically, finding tenants costs money and is a risk. You don't know how long your property could be empty or who you're getting. You are a know entity that pays the rent on time. If you don't ask you don't get. It's worth a try.

Royalbloo · 14/11/2022 16:06

I'd ask to negotiate and also to be given reasonable notice - probably 3 months

Twawmyarse · 14/11/2022 16:08

Greedy CF. Whether his mortgage has gone up or not he’s still making plenty of profit. Say you’ll move out he might change his mind. And I hope he gets a tennant who trashed his place next time.

So bc the ll has presumably put up the rent to help cover the cost of their mortgage they are a “greedy cf”? If you run a business making cakes and now have to put your prices up in line with the rising cost of ingredients, gas, electric in order to bake said cakes etc would you be a greedy CF too? Would you deserve to have your kitchen trashed by your customers??

Tenants who think like you and “trashing” properties through sheer vindictiveness/being dirty, lazy twats with no recourse are another reason why LL’s are leaving in droves. This leaves less rental properties available so higher demand/higher rents. So you’re clever aren’t you?

mondaytosunday · 14/11/2022 16:12

I didn't think you could rent month to month until after an initial six months. Are you sure your lease is legal? What have you actually signed? Even month to month there's usually a cap on increase.

justasking111 · 14/11/2022 16:17

Private small landlords are selling up the big boys are grabbing them. I'm talking overseas investors with big portfolios. The rental market won't disappear it will be controlled by companies beyond our local councils to control

BlackcurrantSorbet · 14/11/2022 16:19

walkinginsunshinekat · 14/11/2022 14:00

@BlackcurrantSorbet
But ultimately, you are in an immoral business, you want the poorer in society to pay for your house or in your case houses?
All businesses function by people investing capital to make profit. Do you think supermarkets are immoral? Farmers? Car manufacturers? Those evil coffee shops that charge you much more than it costs you to make coffee and cake at home? What an absurd comment

Yours is the absurd comment.

There is a proven and working model for housing for the less well off - Council Housing, its beyond stupid to compare housing to a coffee shop or a supermarket.

Council housing costs the govt little or nothing, give cheap rents and puts money in peoples pockets to spend in the locality, helping shops businesses and even coffee shops.

The UK Govt has never, outside of war, controlled or marketed food for sale to the public.

Hence why I said that people should be angry at the Government. Not at landlords who are simply operating within the catastrophic system that the Government has designed. And then deliberately made worse by economic mismanagement and increased costs for landlords that inevitably have to be passed on to tenants.

So why are you angry at landlords? Did they change the taxation system to treat rental properties in a way unique from any other business, therefore increasing costs and rents and reducing supply further, driving rents even higher? Did they propose a "mini budget" that would send interest rates through the roof? Your anger is directed at the wrong people.

user1471465329 · 14/11/2022 16:19

ToInfinityAgain · 14/11/2022 13:17

No I don’t, what a silly thing to claim. They are under no obligation whatsoever to pay my mortgage, they could quite easily buy the flat next door if they wanted and never rent again.

You must have forgotten what you wrote earlier. You asked why a landlord should "subsidise their tenant's rent" when it's actually landlords being subsidised by their tenants.

Parasites, the lot of you

BlackcurrantSorbet · 14/11/2022 16:22

Why should the landlord expect no impact to profit margins in these times?

Renters aren't cash cows, an 18% increase in rent overnight is unreasonable so they should be willing to share the pain.

All businesses are increasing prices to cover increased costs. What do you think is driving inflation? Why would this be any different to what's happened in every other sector? It's worse in fact, because of the Trussterfuck. But these are not things landlords can fix. Government policy created these problems.

WombatChocolate · 14/11/2022 16:22

I’m a LL and I would never increase rent aside from at a yearly point, and actually only ever increase rent on change of tenant. So a tenant who stays 5 years will have the same rent throughout from me. Why? Because the costs involved in changing tenant are huge and it’s better to stick with a known and reliable tenant who pays a few quid less each month, than have a month without rent and have to spend on upgrades needed to re-rent. It’s also because only changing rent at the very most yearly, is the right thing to do….people need certainty about their payments for a decent time ahead.

That said, I’d also never start anyone on a monthly contract, if they needed a long term let, which could be ended at any point, or take someone on on that basis when they clearly couldn’t afford a normal tenancy.

The OP sounds vulnerable. She sounds like she failed affordability with standard tenancies and in desperation turned to a short term option - probably paying above the usual rates. It sound like a contract or arrangement suitable for a long holiday or people needing a few weeks whilst waiting to complete on moving into a bought house….not suitable for someone needing a longer term let.

But perhaps OP told the LL she only needed it short term? Perhaps the LL gave her a good rate for this period, expecting to then increase the rent for future tenants? We don’t really know.

If this was a standard 6 month AST and a LL was asking for rent increase after 10 weeks, it would so clearly be wrong and illegal. Chances are, this scenario is also illegal. We don’t really know if OP had any paperwork or what type. Those things have left her vulnerable and open to exploitation unfortunately.

However, it’s also important to recognise that the vast majority of LLs don’t try to impose a rent increased after 10 weeks. To suggest they do is daft. Many will raise the rent yearly and give the required notice of it, meaning tenants can choose to move on if they prefer. Many others keep long term tenants in their starting rents for at least several years for the reasons I mentioned above. However, if a tenant stays for perhaps 10 years, at some point if a LL hasn’t been increasing rent, the rent level will be well below the market rate and at some point an increase will probably need to happen and if it hasn’t for many years, might be more hefty.

LLs do need to build in funding to be able to face extra costs for a period of time. It’s no good if they can’t weather extra mortgage payments until they reach the natural year point of being able to raise rents or give notice if the business isn’t viable and they need to sell. If things are so tight, they shouldn’t be doing it. And I agree that much if the ‘profit’ only comes when LLs sell and expecting to make significant money on rental income is rather foolish. Even as a LL without a mortgage, I expect sizeable amounts of the rental income to be spent on tax, regulatory compliance and maintenance. Just this year, a new kitchen has wiped out the rental income of over a year. It’s just a cost involved in running the business.

I do think it’s harder and harder for tenants and it’s harder too for LLs. LLs are exiting the market and seeking tomorivate individuals reducing the rental stock. They can do that and still have somewhere to live. It’s tenants who find less and less available housing available. Government needs to develop a policy that allows for enough supply and if they want some if that to be in the orivate sector, for it to work for both tenants and LLs….the 2 are always Co-dependent. However, there’s nothing to suggest government will work that out….and tenants will probably lose out more as a result.

user1471465329 · 14/11/2022 16:23

LyndaLovelace · 14/11/2022 15:24

Save a deposit and get a mortgage?

How do you save for a deposit when you can barely cover the rent?

Guess a lack of logic is no barrier to exploiting the poor.

ToInfinityAgain · 14/11/2022 16:25

user1471465329 · 14/11/2022 16:19

You must have forgotten what you wrote earlier. You asked why a landlord should "subsidise their tenant's rent" when it's actually landlords being subsidised by their tenants.

Parasites, the lot of you

No, not forgotten, but you seem to struggle to follow. The tenants are under no obligation to rent from me, so I’m not entitled to anything from them.

They can choose to pay the rent and keep living there, they can choose to move and rent somewhere else, or they can buy mine if someone else’s flat or house to live in.

Come on, you surely understand this and that neither side is expressing entitlement.

I think that you are angry at other people for mistakes that you have made.

BlackcurrantSorbet · 14/11/2022 16:26

Swashbuckled · 14/11/2022 14:23

I can see many home owners having to sell up over the coming year due to interest rate rises and other rising costs of living. They will have to find somewhere to rent.

Landlords will be equally affected by the same interest rate rises etc and many will have to sell up too. This means there will not be enough rental properties available to rehouse those homeowners who are selling up.

This would, surely, create a situation where an unprecedented number of families are homeless. Where will they go?

And also that rents skyrocket further. Lots of demand and no supply. It's a disastrous situation.

caringcarer · 14/11/2022 16:27

I'm a LL and would never increase rent in first year. My mortgage (tracker) has gone up 5 times this year so far. I'd ask if they will freeze it for 6 months then look for something else. Where in country are you?

MarshaBradyo · 14/11/2022 16:27

user1471465329 · 14/11/2022 16:23

How do you save for a deposit when you can barely cover the rent?

Guess a lack of logic is no barrier to exploiting the poor.

Not everyone who rents is poor. Sometimes people just want to rent from a private landlord at market rate.

They don’t particularly want state subsidies just supply.

Rent freezes etc will drive down supply, increasing demand and price.

acrimoniousone · 14/11/2022 16:28

They're kept in good condition, all have nice bathrooms/kitchens/everything is working and safe. A couple of them have mentioned rising bills and we've got the letting agency to advise them if there's anything they need to save bills. They got electricity meters and we lagged the loft/suggested other ways to cut costs as one is small terraced house and for the flats suggested other ways to save on heating etc. How many landlords do that? We use an agency but have also said we are there to speak to them too (as we managed properties before the agency). The tenants did express concerns via the agency that they were worried we might sell up and we told agency to tell tenants that we would not sell and not to worry.

Good for you. This should be the minimum standard renters expect, if you are the exception to the norm something is really broken.

NCcoziwannaNC · 14/11/2022 16:30

You could move and the next LL could do the same. Unfortunately i think this is the case for everyone. Ours has just gone up to £1150 from £950. Its rubbish but i have a good LL and not risking moving

caringcarer · 14/11/2022 16:31

@Tdcp, that is not true. LL can only put rent up once a year and to similar rental prices for area. Show me legislation for your claim.

user1471465329 · 14/11/2022 16:31

ToInfinityAgain · 14/11/2022 16:25

No, not forgotten, but you seem to struggle to follow. The tenants are under no obligation to rent from me, so I’m not entitled to anything from them.

They can choose to pay the rent and keep living there, they can choose to move and rent somewhere else, or they can buy mine if someone else’s flat or house to live in.

Come on, you surely understand this and that neither side is expressing entitlement.

I think that you are angry at other people for mistakes that you have made.

Stop pretending people have choices they don't have. Freedom of choice is an illusion in a system built by and for wealth hoarders like yourself.

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