Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

News

would you now rent to a housing benefit applicant?

196 replies

WhyMeWhyNot · 29/10/2010 14:58

So all you Mumsnetter landlords --- in all honesty will you still or would you in future rent your property to a housing benefit claimant? Either one who works and has their rent topped up or a family on 100% benefit?

OP posts:
Frrrrightattendant · 30/10/2010 20:06

LOL< Merrymouse Grin

I don't smoke, hate parties, only sing occasionally...I do have some kids though, and erm 12 pets but they were very nice and added them one by one to the tenancy agreement!

Only because the landlord fancies likes me though...

peasantgoneroundthebend4 · 30/10/2010 20:24

erm dont smoke , not really adrinker ,no pets m dont do shoes in the house even make LL take his of the odd few times hes been here

my days of patying are over oh exceopt Mn xmas party but thats not at home so dont count and becuase i use amercian words shall be quiet and just drink Grin Wink

fall dwon on the no kids bit , though ds1 and ds2 are old enough to mow the lawn when told asked to .

my rents paid by my employers im classed as employed by the goverments as a carer Wink

siouxsienusude · 30/10/2010 23:30

I cannot believe it!!?
I have just joined this website as a parent!
AND you are giving these people a VOICE???
Dont you think thay have a LOUND enough one already??
They dont need a second home, to profit from somebody elses poverty and they dont need a voice on this site for parents.

MaimAndKilloki · 31/10/2010 00:39

Psst.. some of them are parents

Jenski · 31/10/2010 07:07

Souix - yes some of them are parents.

But you are right too. They expect sympathy because their investment property isn't making as much money as they would have liked, and shock horror, they may need to actually do somthing for the inflated rent they are charging!
And God Forbid that people need a home (yes a home - not a property) in which to live!

merrymouse · 31/10/2010 07:19

Plenty of people rent out a house because they have been relocated and need to cover the cost of living somewhere else.

Not all landlords own two homes.

Jenski · 31/10/2010 07:30

Yes some landlords are as you say Merrymouse. But from my experience, particularly when living in the South East, there are a huge proportion of landlords that don't just own a second home, but a third, fourth, fifth etc...

I think it is naive for LLs to assume that they do not need to properly manage the homes they are renting out! I personally regard it as a huge responsibility which obviously many LLs can do, but unfortunately others do not. For this reason, I will return to my earlier point that there should be a register for landlords (something the government planned to put in place in 2009 which has since been scapped). Tenants need protection, as well as Landlords.

Jenski · 31/10/2010 07:31

I mean 'scrapped' not 'scapped' - too early Confused

peasantgoneroundthebend4 · 31/10/2010 07:40

sioux

i like he fact that on Mn you get people of all kinds and beliefs right across the board in differnt topics and that you can discuss and sometimes yes theres bit of a bunfight but hey ho

im a tennat of a not so great LL but am not going to start bashing all LL and sometimes you can either confirm peoples opions or occasionally you can make people stop and think especially when can discuss rationally

And i can see where aregistar will fall down who assses what makes a good LL , yes mines not great but i do also appreciate he does not bother me at all and that I can do what ever I want with the house and can make it a home and the fact I now have a 3 year lease so have some security

Jenski · 31/10/2010 07:53

One of the aspects of the register was that the LL was going to have to 'declare' a second home. This would have been beneficial for everyone.

References only go so far, but still if tenants have to go through the process, I see no reason why the landlord cannot, if only to instill the need for responsibility.

dreamingofsun · 31/10/2010 08:46

jenski - but you cannot blame a landlord if they are trying to minimise their risks. ideally i would not be a landlord but my husband has no final salary pension scheme and the one he's paid into is now worth less than what he's paid in.

i would love to let our properties to the most needy person. but the harsh reality of being a landlord is that you wil try and minimise risks.

yes if i had a guarantor with a property and job that would make a lot of difference as i know i could take the tennant to court for any damage/non-payment and do an attachment to earnings/property thing

dreamingofsun · 31/10/2010 08:52

sioux - i don't see why you are so anty LLs. our tennants in the main could never afford to buy or don't want to because of their current personal circumstances. not everyone wants to live in social housing. we had one tennant who moved from social housing to our house because she prefered the neighbours.

Jenski · 31/10/2010 09:16

Dreaming - I have definitely veered from the OP's original question.

With regard HB claimants (responsible and irresponsible) they have to put their faith in the LL (responsible and irresponsible). For this reason both should be monitored/reference checked etc. In some circumstances, LLs put the health of tenants at risk. in some circumstances, tenants put the wallet of the LL at risk. Neither is acceptable.

I think it is wrong to assume that an HB claimant will not pay, in fact in many circumstances they are more likely to pay as the money is there. Whereas, an irresponsible young new earner might be likely to squander money elsewhere.

I would say that renting a property is risky business for both parties. But I would say most people renting are looking for somewhere to call home, and do pay on time, and hope that problems are sorted quickly by the landlord.

The LL is looking for renters that pay on time, and do not want to have many problems to sort out.

Obvious really, I suppose. Ruined by those that 'want something for nothing' (LLs and tenants).

Jenski · 31/10/2010 09:18

Dreaming - don't assume that your tenants could 'never afford to buy'....Hmm

dreamingofsun · 31/10/2010 09:47

jenski - where i live i think it reasonable to assume that someone who is a nursery assistant and has no other income will currently not be able to afford to buy. people need to earn around 50k. some of our tennants do go onto buy - we are just a stop-gap whilst they find something

my issue with HB is that if the tennant doesn't pay i would have no comeback. i would be unable to do an attachment to earnings or property order via the courts. this would be solved if i had another guarantor though.

all the tenants we've had with children have kept the place immaculate

i would like to think we are good LLs. we do the gas safety check, mend things when they break, had the garden landscaped because it was boggy; have some flexibility over payments - slightly less now as been stung by tennant

LoopyLoupGarou · 31/10/2010 09:49

No, but not because of recent political developments.

We did until very recently, said tenant was awful, ruined the house and garden. I know that's not indicative of all HB tenants, but has frightened us off I'm afraid.

Myleetlepony · 31/10/2010 12:12

Every time a topic like this comes up I try to explain the reality for some normal, average income, private landlords. Wasting my time because it's much more "fashionable" to rant away and ignore fact. Now we've even got someone saying landlords shouldn't be allowed to post. So, for the last time on a rented property discussion including this one - here are my "scum landlord" facts.

I don't own or have any claim on the property I live in, so my two little flats are my possible retirement investment. I say possible because who knows what will happen to house prices, but that's the risk I decided to take. I brought them with everything I had left after my divorce. Having been forced out of the home I brought alone before my marriage.

I don't charge "inflated" rents, my rents are somewhere below the maximum in each development, because I prefer to have people in the flats, rather than wait with them empty to get the highest rent.
At the moment there is a "profit" because the interest rates are low. I salt that away for maintenance, "void" periods, and against the day when interest rates will go up again. In other words, I don't rub my "fat belly" and spend it, I expect it to be absorbed. The only profit I hope to make is some time in the far future when I sell. As said above, it's a risk.

My flats are well maintained, the tenants never wait for a repair, I see it as my duty to provide them with a nice place to live in.
I worked for a while in a council housing department and they treated their tenants like dirt. I would never treat anyone like that, I haven't even treated people behind on their rent like that.

My personal income from work is below the national average. (And I'm taking a break from work now, in my little home office, on a Sunday).

It seems to me that it's very easy to typecast landlords (and tenants) and then rant away on an internet discussion forum. It takes much more thought to understand that there are good and bad on both sides. It takes a bit of effort to think about how the current unsatisfactory aspects of the rental market might be changed. How both sides could be better protected. Many here aren't willing to take the time or expend the brain power needed to do that. If it feels good to rant mindlessly then it's a free country, but it's not constructive and it doesn't help anything.

If you think all private landlords are scum the answer is simple. Don't rent from them, don't give them the money. In fact, maybe private landlords should be hounded until they no longer find it a worthwhile enterprise. Imagine how difficult it will be to rent a home then. Confused
Throw all the insults you like, I'm hiding the thread now. Smile

Myleetlepony · 31/10/2010 12:16

p.s. If the interest rates rocket upwards, anyone in private rented accommodation be aware that many landlords will struggle to find new mortgages at fixed, reasonable rates. This will lead to a new wave of repossessions. Obviously that will be bad for the tenants.

MaimAndKilloki · 31/10/2010 13:05

"If you think all private landlords are scum the answer is simple. Don't rent from them, don't give them the money."

I do agree with most of your post myleetlepony , however that one comment to me makes me sad. Whereas landlords can decide that after a bad experience with HB tenants that they wont deal with them anymore, a tenant cannot decide that after a bad experience (or even a string of bad experiences) with private LL's that they just wont use them anymore. That option isn't there, which unfortunately does seem to mean more bad LL's get away with it.

huddspur · 31/10/2010 13:21

MaimAndKilloki bad landlords get away with it because they own the asset (ie the house) that the tenant wants, there isn't an excess of housing so there will always be someone who wants the house so a bad landlord will always be able to fill their home.

LoopyLoupGarou · 31/10/2010 13:53

The tenant has far more rights than the landlord.

I don't know about other landlords/ladies, but we rent out our old house because we couldn't afford to sell it. The rental price covers the mortgage, insurance and fees. We make no profit and it is a lot of hassle. When tenants seem to go out of their way to create work for you and lose you money, it can become a struggle not to feel badly towards them.

MaimAndKilloki · 31/10/2010 14:07

Really LoopyLoup, we've always found the opposite?

Though tbh, we have always had LL's from hell (including current one)

We've been forced to live in places that are in a horrific state, with no way of forcing essential repairs to get done.

LoopyLoupGarou · 31/10/2010 14:58

Legally yes, the tenant has the vast majority of rights over the landlord.

YESNOYES · 02/11/2010 22:15

It seems that there are people with money that are rely on their extra property as their fall-back; and those that rely on the people with that extra property as their home. It is such a shame that there the people renting homes have to be spoken by some 'Daily Mail' reader as ' our tenants could never afford to buy'. Good grief, you really are Dreamingofsun' - she's only a nursery nurse - my God and what are you???? A 'DAILY MAIL READER' no doubt....

dreamingofsun · 03/11/2010 08:26

yesnoyes - theres nothing wrong with nursery nurses - but where i live they don't earn very much and houses are very expensive. i am just stating the facts. why are you stiring and being unpleasant or do you have a very large chip on your shoulder.