Most of my tenants have said they can’t pay rent – I’m stressed?

Most of my tenants have said they can’t pay rent – I’m stressed?

10:36 AM, 23rd March 2020, About 4 years ago 7

Text Size

1. Tenant on PAYE – laid off temporarily or permanently (not because they have the virus) and say they can’t pay the rent indefinitely, can they claim government assistance to pay the rent eg housing benefit? If so is this immediate? If not what can I do?

2. tenant who is self employed and whose work dries up/non existent and stops paying the rent- what help can they get from the government to pay the rent?

3. Small business owner who pay rent and rates on premises (hair salon) and can’t pay the rent – what assistance to pay the rent do they get?

I live off my rents – I have a family, a residential mortgage of my own, bills, living expenses – I’m a sole trader, I understand that I need to be compassionate and understanding to my tenants but:

8/8 of my tenants have said they can’t pay the rent from now on (they work for Ryanair, are Italian, they can’t go home)

1/1 commercial tenant who rents my shop as a hair salon wants a rent holiday

My other private rental is a family who have not yet approached me, but the man is an airport worker.

Mortgage holidays will stop the mortgage part of my dilemma, but the remainder of my rents in are MY sole income.

What do I do?

Hasty Peck

Share This Article


Denise G

13:00 PM, 23rd March 2020, About 4 years ago

see the post above - it may be that you can use the content in there to advise at least some of your tenants

Emma Lee

17:17 PM, 23rd March 2020, About 4 years ago

Both tenant 1 and 2 should be able to claim universal credit. If they are able to claim, it is paid 6 weeks after the initial claim. Claimants can get an advance on the payment, but it won't be a lot and is repayable. Rent is also payed a month in arrears.

Tenant 3 may be able to claim for some government assistance


8:15 AM, 24th March 2020, About 4 years ago

Cash is king right now...

Can you get a loan with very very low interest to buy you some time? (borrow much more than you need so you can use the loan to repay the interest for a while) whilst taking mortgage breaks.

This can buy you time until you find a permanent solution or whilst the government come up with a solution to your predicament. I would be proactive with lobbying your local MP, and landlords associations.


15:37 PM, 25th March 2020, About 4 years ago

Interested to hear if you were able to resolve your commercial tenant iissue?

We have a similar issue with a small (vape) shop has come to me today to ask for help with the rent. I am aware they will get the £10k grant based on the rateable value and 80% wage support for their 1 employee.

Interesting to hear how others are dealing with this?

Nat Patel

11:37 AM, 27th March 2020, About 4 years ago

My tenant called me and said I have to claim three months rent from HMRC. She is off work and no wages coming. She applied for universal credit and called HMRC too.
I replied this is too early to say. Who is claiming and who is paying whom.
Let's see what happen next.

Mick Roberts

16:44 PM, 29th March 2020, About 4 years ago

U can use my text if u like. Or parts of it. It may not seem nice for those who don't know me or my tenants, but I started to get my majority benefit tenants to try it on (Well 2 of them-The rest supported me & the some others were about to ask me before saying Thanks to explaining to them that moron Corbyn had misled them).

Some of you lovely people have been texting asking for a rent holiday cause of the coronavirus. Now if u all want a rent holiday, there will be no houses no homes in 3 months, simple as that. There's not a magic tree out there to pay your outgoings.

The comment you may have heard on the media this week has not helped tenants at all. Corbyn Labour Anti Landlord tripe saying tenants can ask for a rent holiday was aimed at workers who have lost their job & FULL income & got to wait for benefits which YOU ARE ALREADY GETTING, but some of u r rubbing your hands in glee thinking that was aimed at u.

And it was a rent holiday, some of u have interpreted that as Ooh baby no rent to pay. The workers still had to pay when they get back on their feet. Some of u have got into arrears with me before & took years to pay & some still paying off now years later. You text saying Can I have rent holiday cause of coronavirus, then u also don't say I'll pay next week.

Some of u have been with me over 20 years, most of u over 5 to 10 years. I look after u the best I can despite all the constant recent attacks from Council and Govt. But I will not look after people trying to take advantage and plunge me and u into losing your home.

If I get one more text from someone on FULL benefits asking for rent holiday, I'm gonna' seriously consider selling your home. Some of u will know I'm only keeping the houses for you as it is your home & I respect that.
Please don't exploit the Coronavirus for financial gain and put everyone's else's home in jeapordy.

If you've genuinely lost your job, ring me & we'll get u on the benefits u entitled to.
If u not earning enough, u claim benefits. If u getting too much to claim benefits, the Govt are saying u r earning enough to pay your rent, so u don't need benefits. It's either one or the other.

We're not a large financial institutions, so not able to bear the hardship, that would be inevitable result of rental holidays, so please look towards Govt support, as it is them and Councils that resulted in the below costs.

Below is the extra costs which the Govt & Councils has forced upon us, which I've now had to pay since u moved into your home. How some of u think this can be paid with no rent in is baffling.

We now have to do Fitness tests on new rentals £150 each house.
Electrical Installation Condition reports organisation & implementation £300+ each house.
Selective Licensing £890 just for one house.
Legionnaires checks £70 each house.
EPC’s £80 each house.
Data protection checks £40.
Carbon Monoxide detectors & smoke detectors, when wired, £300 each house.
Getting registered with Information Commission officer £40.
Floorplans, Inventories £90 each house.
Landlord has to criminal check himself & has to prove he has Right to live in UK
Increased staffing admin behind the scenes.
As you’ve seen, checks/inspections on your houses now with smoke alarms-Should be much more detailed checks.
Consultant & Legal fees to keep pace with legislation & staff training.
Letting Agent costs for new tenancies & house swaps £70pm each house.
All the above is extra costs we din’t have when many of u moved in.

Landlords are selling in their hundreds due to the increase in costs & the burden of ever increasing legislation.
Landlords are being fined when they get something slightly wrong.

As a company, we are really struggling to keep abreast with these constant legislation attacks, so much so, some of u know all new ones/swaps, we are having to place with Letting Agent.

The biggest changes are Selective Licensing & Universal Credit. Costs an absolute fortune in time & money to keep on top of it.

There are many Landlords out there who aren’t compliant, who are becoming unstuck every week.

We have no intention of selling on you & want you for the long term. Please help us to help u.


20:12 PM, 27th April 2020, About 3 years ago

Reply to the comment left by Buckrogers at 25/03/2020 - 15:37
Yes, I have the same problem. There are some suggestions in the commercial section of Landlordzone.

Leave Comments

In order to post comments you will need to Sign In or Sign Up for a FREE Membership


Don't have an account? Sign Up

Landlord Tax Planning Book Now