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Landlords - would you rent to me under these circumstances (universal credit problem)

56 replies

HangerLaneGyratorySystem · 30/06/2023 15:36

My house is up for sale, divorce is going through but not done D81 (financial order) yet. I'd like to move out with DD20 and rent, leaving ex here to oversee sale whilst we wait - could be a long wait. I don't earn enough for a 2 bed property (no cant move to cheaper area as I need to be here for work/DD's treatment) but if DD20 and I rent together would be able to comfortably afford it. DD is disabled receives UC and PIP but can't claim the housing element of UC until she is on a tenancy agreement - but who is going to put her on a tenancy agreement if she doesn't have the housing element of universal credit first? I rang Shelter they said I'd have to "persuade" a landlord to agree to rent to us and put her on the tenancy agreement on the promise of her claim going through and that I should show landlord information from websites such as entitled.com, CAB etc to "prove" that she would get the money. (I read on HMGov website today that applications to add the housing element to UC claims takes around 3 weeks).

I think no estate agent or landlord in this current climate would give me the time of day to look at bits of websites explaining housing benefit/universal credit rules and be persuaded by it. So I think we're stuck - she can't claim the extra money until she is on a tenancy agreement and she can't go on a tenancy agreement until she has the extra income.

Anyone had experience of this? It must happen to families/single people trying to get their first private rental too?

OP posts:
HangerLaneGyratorySystem · 30/06/2023 23:00

Kayemm · 30/06/2023 22:58

Where do you live? I'm renting out my parents 2 bed bungalow to help with care home fees and would be happy to chat to you.

Thats very kind - I'll DM you.

OP posts:
Stomacharmeleon · 30/06/2023 23:19

In our area (Kent) there is a landlord liaison service with the council and they can suggest landlords/ speak to those who accept UC/ even use a fund to tide over until new benefits are paid.
Is it imperative you both leave before your marital home is sold especially in this climate?

HangerLaneGyratorySystem · 01/07/2023 12:04

@Stomacharmeleon - depends what you mean by imperative? I am desperate to leave the relationship and its affecting DD badly, its not an amicable separation, we've been trying to sort this out for a year now. So as we are getting no offers on the house I thought it makes sense for one of us to go, and he's not going to agree to leave - also he'd need to rent a 1 bed in this area to keep his job and they are over £1k a month. I can move slightly out and rent 2-3 beds for £1,300 as my job is flexible.

We've got the house going on the market with a new agent on Monday, even if it sold quickly you have to hope the sale will go through etc so if one of us has already moved out with a fair bit of furniture surely that makes things easier? I think @Xenia mentioned something about not leaving the house too - why does anyone think this is a problem? I thought it was fairly common if one could afford to rent they would leave, if the other could pay the mortgage in the meantime? If my kids were young I would have tried to insist he go and rent pending the sale, but they're adults.

OP posts:
HangerLaneGyratorySystem · 01/07/2023 12:04

@Stomacharmeleon is that scheme operated by Kent County Council or each individual council do you know?

OP posts:
Stomacharmeleon · 01/07/2023 14:10

I would assume it's a Kent wide scheme. I have helped people use it in several different councils. Might be called different things eg help2rent etc.

TwoBlueFish · 01/07/2023 14:17

My DH is a landlord and would probably but we have a disabled child ourselves and understand the process.

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