16:25 PM, 6th November 2018, About 3 years ago 8
The Reality is that Great Britain PLC cannot cope without Private Sector Landlords.
Kicking the landlord is good copy and sells newspapers and in any Profession there are few bad ‘uns.
If a Landlord makes a business decision which adversely impacts on a Section of the Community that is decision left wing journalists will make capital of.
A Landlord should not exclude tenants on the basis of Nationality, Sexual Orientation, Race or Religion.
However, what if the tenant cannot afford the rent?
Is it reasonable to exclude on such grounds. Well the last figure I saw was that 82% of Landlord refuse to take tenants on Housing Benefit. That seems a very high figure!
Almost all Landlords require a Rent Guarantee Insurance. Any Insurance Company will only insure people who are almost a cast-iron likelihood of not resulting in a Claim. If they did not then they would not be in business very long.
Almost all lenders say No Housing Benefit.
Is it the Landlord or the Lender who says No Housing Benefit?
Is the Landlord compelled to accept a No Housing Benefit condition imposed by the Lender? I suggest the answer is Yes!
From my conversations with many landlords by far the biggest objection to tenants on Housing Benefit is The Delivery of Housing Benefit by the Local Authority.
It is clear to me that HMG needs to pay the benefit (rent) direct to the Landlord or his Agent.
Should HMG provide a Rent Guarantee for all tenants on Benefits which is effectively a “Full Guarantee” and not a “Limited Guarantee”?
Should rent payment dates be guaranteed by HMG?
Who should run the risk? The Landlord or HMG?
The HB Sections of Local Councils will tell the Landlord we are overworked, underpaid and short of staff. Well that is absolutely true but the Landlord has to live in the real world as he has a mortgage to pay!
You do not get a point of milk on credit with 28 days to pay. You must pay as you go along.
If HMG wants to solve the Housing Crisis in the South East it needs to take a reality check.
There is a considerable shortage of houses in the South East and will be for the foreseeable future. Well the Answer is Build More. Easier said than done! It all takes time and where do people live in the meantime?
Everyone deserves a home to live in. However, some need to accept the reality is that they will never have a home to own!
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