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How did you find somewhere to rent on UC? single parent dog and disabled child

16 replies

RubyFinch100 · 08/10/2026 14:27

I have been renting my house for 13 years. I received notice today as they want to sell. I have 4 months to find a house to rent. My child is disabled and currently has no school place (in tribunal process) I had to give up my teaching career to care for her. We have a dog and 2 guinea pigs I've just looked around and I can't even find a bedsit for the rent I pay now (£900 pcm) I also have 2 older children at university who come back in holidays. I called a letting agent and she said she wouldn't even out me forward for any properties because I wouldn't pass the financial checks. I have paid my rent on time for 13 years and 10 years in previous rental.I have no savings as I had to suddenly leave my job due to my child's disability (I am now 53) and spent everything and sold everything I could to keep our house and just to live.

How do people get a house? I am feeling so tearful and lost as to what to do next. The housing element of my UC is £740 max. How is it possible to find a home for me and my family when agents won't even let me view properties and live week to week with no savings ? Thanks for reading and any advice

OP posts:
caringcarer · 08/10/2026 14:38

I'm a LL and I can tell you it will be tough for you OP. Do you know of any LL's personally that you could appeal to? Do you have friends or family members who rent? If so could they ask their LL if they have any vacancies? Where are in the country are you. I think a lot of LL's would consider you if you could demonstrate that you paid the rent on time. The finance scrutiny checks are tough to pass. I don't know how you'll find anywhere for £740 though. 2 bedrooms are £950 in West Midlands. 3 bedrooms £1100. If you are not working could you move to a cheaper area of country? In Hull you could get a 3 bedroom house with garden for £750-£850?

OriginalUsername2 · 08/10/2026 14:46

I’ve been through this too. Speak to your local council and they’ll bring you in for a meeting. They will tell you to stay put in the house if you can’t find a place, so in reality it won’t actually be 4 months and you’re on the street. It’s a much longer process.

User454545454546565 · 08/10/2026 14:49

One thing is for sure, you aren't the only one in this situation.

Google the housing agents locally who specialise in benefits claimants. There will be some. Speak to all of them.

Then phone the council housing helpline and get yourself on the list.

RubyFinch100 · 08/10/2026 14:52

caringcarer · 08/10/2026 14:38

I'm a LL and I can tell you it will be tough for you OP. Do you know of any LL's personally that you could appeal to? Do you have friends or family members who rent? If so could they ask their LL if they have any vacancies? Where are in the country are you. I think a lot of LL's would consider you if you could demonstrate that you paid the rent on time. The finance scrutiny checks are tough to pass. I don't know how you'll find anywhere for £740 though. 2 bedrooms are £950 in West Midlands. 3 bedrooms £1100. If you are not working could you move to a cheaper area of country? In Hull you could get a 3 bedroom house with garden for £750-£850?

Edited

Thank you - I am in the Midlands. All my family and friends own houses and I don't live in an area with many houses to rent. My older children are in Manchester and my family in Dorset. I would like to be closer to either but both out of price range. It has all come as such a shock. My landlord had said he would never sell whilst I was in the house as it wasn't a business - just to keep them in holidays and one day inheritance for their children.

OP posts:
Pluto46 · 08/10/2026 16:02

More consequences of Labour's latest own goal. Much like VAT on school fees .... so tied up with their unworkable ideological nonense, they seem completely unable to foresee consequences that are so very obvious to everyone else

FlorenceLawrence · 08/10/2026 21:26

OP it sounds so worrying - how does anyone manage to rent if there are such stringent financial checks - and why don't all those years of reliably paying rent count for you? That's madness.
How about housing association/council? Could you try contacting Shelter or Citizen's advice - you are in a vulnerable position and you have a very vulnerable - there is help out there.

shellyleppard · 08/10/2026 21:30

Op please contact your council for help with housing. I had a similar situation. Was renting for 7 years, always paid on time. Children were 9 and 6 years old. They evicted us with two months notice.
I was lucky enough to get a council house. Still there now. Good luck and please keep us updated x

twirlypoo · 08/10/2026 21:31

Could one of your relatives be a guarantor if they are homeowners?

I feel for you, we are terrified that our landlord sells as we would really struggle to find something else here. I’m looking at shared ownership on the smallest percent ownership just so we have some stability. It’s a stretch though for their affordability too!

Polipocket60 · 08/10/2026 21:31

Taking your age into consideration and private rents likely to go up each year. You would be better off registering with your LC. Are you on the waiting list? If not register ASAP.

You should get a higher priority for your child too as they are disabled. Are you claiming everything you are entitled to OP?

caringcarer · 09/10/2026 00:26

FlorenceLawrence · 08/10/2026 21:26

OP it sounds so worrying - how does anyone manage to rent if there are such stringent financial checks - and why don't all those years of reliably paying rent count for you? That's madness.
How about housing association/council? Could you try contacting Shelter or Citizen's advice - you are in a vulnerable position and you have a very vulnerable - there is help out there.

Most of stringent checks by LL's have only come in as a consequence on Renters Right Act as before a LL knew if they were a terrible tenant they could issue a section 21. Now they can't do most demand guarantors and only let to couples who earn well over rent price. Labour were warned this would happen but they don't listen or really care.

AWeekAndADay · 09/10/2026 00:36

We joined the council list home finder when our landlord decided to sell and also had to move 30 miles out of where we were living. However because of a disabled child I have to say we didn't have a problem and after 8 weeks I saw one I liked and we are still here 8 years later and I wouldn't move back to the city again. We went from paying £900 pm for a 3 bed no garden 3 pets to paying £410 for a 3 bed with huge garden which is now only at £485 all these years on and 4 pets now. I found a wee job aswell which I love and the community spirit I love and made some great friends and the kids adjusted and when asked if they would like to move back to the city it was a No from them all. I know it's not easy in the whole country but that's in the north east I can't fault the help we had. My parents, brothers and sister have all bought got houses in the same area because they ended up loving it

Roselilly36 · 09/10/2026 07:46

It must be a worrying time for you OP. Forget private rentals as you aren’t going to pass referencing as all income based. You need to get on council housing list asap with a disabled child you will be a priority. It will be so much better for you long term as more secure and much cheaper rents.

Some friends of ours were in your situation a couple of years ago, they were worried sick and so upset to leave the little cottage they loved when LL gave them section 21, the LL had decided to sell. My friend is also disabled, they did not have children, but they did have a dog. Everything worked out so well for them. They were offered a brand new ground floor flat with a terrace with a housing association in the small village in which they lived, rent is £250 less a month. So they can now afford go on holiday with their dog.

Everything always works out in the end. Good luck I hope you and your family are in a secure new home very soon.

Greenseawitch · 09/10/2026 09:09

Speak to the council and also look at local housing associations.

Also remember that you might have to stay in the property until the landlord seek possession so the council will have to rehouse you. That's a silly system but that's how it works unfortunately.

Pumpkinsaregrowingnicely · 09/10/2026 09:12

Ask your ll for a reference.
Can make a big difference ime.

Windswept1 · 09/10/2026 12:20

Sorry you're going through this, OP. That sounds incredibly stressful, frustrating and unfair.

The Renters Rights Act was supposed to protect against discrimination towards people with children or in receipt of benefits, but landlords can (understandably) still carry out affordability checks, so in practice those provisions are likely to have limited impact for many people.

Given your circumstances, I would contact the council's homelessness team, and now, rather than waiting until the notice period is close to ending. Although see what I say towards the end about which council to approach. You will be classed as threatened with homelessness once you are within 56 days of the section 8 notice ending. At that point the council will owe you a prevention duty, which means taking reasonable steps to help you keep your accommodation or secure alternative accommodation that is suitable for your household and affordable for you. However, there is nothing to stop them helping you sooner and they are supposed to do so to avoid a crisis, especially if there is no chance you can stay longer and you have a disabled child.

If homelessness cannot be prevented, the council will owe you a relief duty (to secure you accommodation) once you become homeless because you will be classed as being in priority need due to having a child. Typically, this will be temporary accommodation until they can find you something settled. As others have said, the council may tell you not to leave your current house until the landlord has obtained a possession order and warrant. Councils often do this because temporary accommodation is in short supply and sub-optimal, so remaining where you are is usually preferable. However, they must only do that if they consider it to be reasonable for you to remain. If the landlord genuinely intends to sell and is likely to pursue possession, there may come a point where remaining is no longer a reasonable option. They should also take into account that there can be negative consequences for you if you don't leave - bad reference from the landlord, possible court costs etc.

As you might need to access temporary accommodation, I would make sure you have clear evidence of your child's needs. Certain types of temporary accommodation might not be appropriate and if you can get your GP and any other professionals involved to write a letter about suitability that would be helpful.

I would also make sure you are registered for social housing immediately if you are not already. There is no guarantee of a social housing allocation, but it is a route the council should be considering given your circumstances and the affordability issues you are facing in the private rented sector. Having a disabled child should give you some priority. Being homeless definitely will.

In terms of finances, if you are on UC I would expect you to be entitled to the housing element. What you receive depends on the local housing allowance (LHA) rate for the area. If the LHA rate is insufficient to access private rented accommodation locally (which I assume is your dilemma), that will push the council towards a social housing offer. That said, it is also open to councils to top up your income if nothing is available that is suitable and affordable within the LHA rates. Lots of councils do this so definitely ask about it. Having a disabled child will mean they need to consider this anyway, unless there is a good supply of decent temporary accommodation hat is suitable; most unlikely!

You mention your parents live in Dorset. If relocating closer to be near them is something you would genuinely like to do, don't rule it out on affordability grounds. The LHA rates for Dorset will be different to where you are. You can apply to go on the housing register there if you parents have been continuously resident there for at least 5 years: https://www.dorsetcouncil.gov.uk/w/housing-register-eligibility-criteria. Under the Equality Act councils also need to consider needs arising from your child's disability, including if you need to be close to family for support.

If you do apply for homelessness assistance, think carefully about which council to apply to. You need to have a local connection for the council to owe you various duties. It is not only through your own residency that you might have a local connection. You will also have a local connection to a district where close relatives have lived for at least 5 continuous years. So, if you do want to move to Dorset and your parents meet the 5 continuous years test, you could apply there. I would get urgent advice from your local CAB or Shelter before making a homelessness application if you might want to go to Dorset. There is nothing to stop you joining both your local and the Dorset housing register now though.

Hope this helps.

Eligibility criteria for the Housing Register

Check that you meet the qualification and eligibility criteria.

https://www.dorsetcouncil.gov.uk/w/housing-register-eligibility-criteria

HouseHouseHouse7 · 09/10/2026 12:30

Get on the social housing list asap OP. I’d avoid wasting time and energy chasing private opportunities (other than asking neighbours and friends if they happen to know of something) because you’ll only upset yourself further.

Maybe ask your landlord if you can get another month or two in your current place if you agree to allow estate agent viewings? Would buy a bit of time.

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