Private renting & HB
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sky982
Community member Posts: 29 Connected
I'm new to this trying to rent thing. I'm coming up against a lot of letting agencies/landlords that won't rent to people on benefits, even when I say its health related and I've got a guarantor. Yesterday a letting agent said something about a 'joint and several tenancy', although it would only be me living in the property and am I right in thinking I need the lease to just be in my name if I'm to claim HB?
Any tips and suggestions welcome, I have done an application for council housing.
Any tips and suggestions welcome, I have done an application for council housing.
Comments
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HI,Yes trying to find a landlord that will accept those claiming benefits is like trying to find a needle in a haystack. It may take you quite some time to find something but i hope you are successful.Unfortunately, social housing (council) have extremely long waiting lists and it's like this across most of the country. In fact it's so long you may never be successful here.I think the letting agency you spoke to may have been talking about living with other people, so a shared house.Yes the tenancy agreement needs to be in your name for you to be able to claim for help with any rent, whether it's housing element (part of UC) or housing benefit. When privately renting you'll need the tenancy agreement as proof to be able to claim either of those.Don't forget also that there's a maximum amount of local housing allowance that you'll be entitled to depending on your circumstances. Very often when privately renting the LHA doesn't cover all of your rent and you may have to top it up using your own money.Hope this helps, good luck with your search.I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help.
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This has been the case for a long while sadly, though it's hardly surprising with the way benefits tenants are often portrayed in the media. The irony is, those of us on benefits have far more financial security over the next few months than many working people!
I know it's not possible for everyone, but I put down 6 months rent upfront when I first moved out and didn't have any income. A relative did the same with their own property so it may not be uncommon.
You can get housing benefit with a joint tenancy, but it counts as shared accommodation so will be capped at a lower rate. -
thanks poppy, needle in a haystack is exactly what it is! & yes I have heard that about council housing! I guess I have only really just started looking so hopefully something will come along eventually.
overlyanxious - when putting 6 months rent down in advance did you then wait 6 months to claim housing benefit so it was backdated?
yes I want to avoid a shared tenancy, it doesn't make sense since it would be just me living there! A guarantor is surely enough because it's saying that the rent will be paid regardless. -
sky982 said:
overlyanxious - when putting 6 months rent down in advance did you then wait 6 months to claim housing benefit so it was backdated?
yes I want to avoid a shared tenancy, it doesn't make sense since it would be just me living there! A guarantor is surely enough because it's saying that the rent will be paid regardless.
I don't actually know if you could get HB once in a 'paid up' tenancy or not. That's an interesting question. I'd guess not but maybe Poppy can confirm.
Oddly, I had to get a guarantor even though I'd put down the 6 months in advance...so what was the purpose of the guarantor!? In fairness, my tenants agency are absolutely useless, and got several things wrong on the paperwork, so it wouldn't surprise me if it wasn't actually necessary and was an error on their part. I was just desperate to get out of the situation I was in at the time so didn't question anything and didn't have anyone to ask for advice. -
If you 6 months rent upfront makes no difference to a housing benefit/housing element claim and you can still claim for help with the rent.
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
OverlyAnxious said:
You can get housing benefit with a joint tenancy, but it counts as shared accommodation so will be capped at a lower rate.
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
I'm now emailing letting agents before even attempting a viewing, just to see if they accept housing benefit!
is there a way I can phrase it that will make them more receptive?! I tend to lead to 'its health related' and 'i've got a guarantor'. -
Could you more specific about the health conditions maybe? I have contamination/perfectionism OCD & social anxiety so keep the place spotless and don't have any pets, kids or visitors! That's got to be appealing to a landlord surely!
Seriously though, I'm looking to move again at the moment and places are going so quickly they really don't 'need' the hassle & risk of a benefits tenant. I'm sure you see the same but places are literally going within 2 or 3 days of being listed, good for the landlords, not so good for us!
Have you got a good credit rating? That may help a bit.
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