Robert Mellors

Registered with Property118.com
Saturday 26th October 2013


Latest Comments

Total Number of Property118 Comments: 913

Robert Mellors

9:30 AM, 22nd October 2018
About 59 minutes ago

Homelessness Reduction - Four Simple Ideas

Reply to the comment left by Adrian Alderton at 22/10/2018 - 09:09Hi Adrian
It sounds like we have some similarities in our work background.
It may be interesting to compare notes over a coffee some time.

I agree that the biggest cause of homelessness presentations, at every LA I worked at, was relationship breakdowns, usually parents evicting their children, but also marital breakdowns.

Evictions by private landlords was only a small fraction of the total homelessness presentations, (and when the reasons for the evictions were analysed, then in 9 out of every 10 cases, it was due to tenant behaviour, e.g. not paying the rent).... Read More

Robert Mellors

8:57 AM, 22nd October 2018
About 2 hours ago

Private rent to buy agreement?

Hi Jennifer

There is such a thing as a private rent to buy, but it is rarely used and highly discredited, because it works a bit like a hire purchase agreement in as much as the person hires (rents) the property from you for X amount of time, and they only get legal ownership after the final payment, so if any payments are missed or the final payment is not made, then it is simply a lease/tenancy agreement, so of no use to anyone! - I can't remember the full ins and outs of it, but I think it can get quite complicated, and both landlords and tenants can very easily run into legal difficulties.

You scenario sounds a bit different, as all you are wanting is the deposit, with the balance being paid via the tenant obtaining a mortgage. However, I suspect that you may run into similar legal issues, plus, as Neil says, the tenant's rent may still not be considered as a purchase "deposit" for the purposes of obtaining a mortgage.

If the tenant is really serious about buying the property, then they will find a way of raising the deposit, either by savings or borrowing.... Read More

Robert Mellors

23:41 PM, 20th October 2018
About A day ago

Homelessness Reduction - Four Simple Ideas

Reply to the comment left by Mick Roberts at 20/10/2018 - 12:59
Hi Mick

There is already legislation that allows direct deductions (third party payments) from a claimant's welfare benefits for existing tenants, for payment of rent arrears (and some service charges), but this stops when the tenant moves out (even though the rent arrears continue to be owed). There is also legislation that allows direct deductions (third party payments) from a claimant's benefits for some utility debts, e.g. gas, electricity, water, so it would be an extremely simple amendment to add in "former tenancy rent arrears" as one of the debts that the DWP can make deductions for.

Yes, if the tenant knew that each time they failed to pay the rent, or they smashed up a property, this would result in a reduction in their welfare benefits until such time as the debt was repaid, then they would definitely start to take more care of the properties, deal with their housing benefit claims, and ensure that the rents were paid.... Read More

Robert Mellors

23:32 PM, 20th October 2018
About A day ago

Homelessness Reduction - Four Simple Ideas

Reply to the comment left by Old Mrs Landlord at 19/10/2018 - 17:26
Hi Old Mrs Landlord

I fear you are right, none will be taken up by the powers that be, but at least the practical solutions are now stated on a public forum, and if any government department or organisation wants further details so as to assess the feasibility, then they are welcome to contact me.... Read More

Robert Mellors

23:28 PM, 20th October 2018
About A day ago

Homelessness Reduction - Four Simple Ideas

Reply to the comment left by John Frith at 19/10/2018 - 14:44
Hi John

Yes, I've thought of this in the past as well, but the insurance companies only want to offer Rent Guarantee Insurance to landlords (landlord pays), and even then it is only for the tenants who the insurers consider to be low risk, i.e. those who are in well paid employment. Unfortunately, this does not assist those tenants on low incomes or in receipt of benefits.

There are occasionally schemes to help provide a deposit guarantee, i.e. a paper bond, but these vary massively from one area to another, both in terms of availability, and also in the level of protection they provide to the landlord. In many cases they are simply not available.

I am currently working on an idea for a deposit guarantee scheme, that would be available to all tenants, (at almost zero cost to landlords), and hope to post the idea on Property118 soon, to test whether it would be something that landlords would want.... Read More