Tenant rental dilemma?

Tenant rental dilemma?

14:59 PM, 22nd December 2022, About 9 months ago 9

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An Agent has forwarded an application to me for consideration:

A 21-year-old to rent a flat. In a job since July so financially on paper can afford the flat. Woking for 4 years before that apparently. Can pay own deposit and RIA.
Her foster parents are moving away but she wants to stay close to her job. (works in a nursery)
Credit history score will probably show gleaming references due to her age.
No smoker, no pets, no passport or DL.
The agent said the referencing company they use does not obtain previous employers’ references or character references and feels these questions seem a little intrusive so not something they would ask for.
Agent says guarantor not required as she will fulfil the affordability check.

Too many unknowns to progress for too much of a risk?

Everyone has to start somewhere I appreciate, but the only thing that keeps going around in the back of my mind is the lack of local family support, and that if she stopped working/lost her job she would only get the single shared bedroom LHA rate which won’t touch the sides of the full rent.

Am I reading too much into this?


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Freda Blogs

15:23 PM, 22nd December 2022, About 9 months ago

Nursery work is notoriously badly paid, and the prospective tenant could be great, but you have no evidence of that.

You are the one taking the risk and will have the hassle if the tenancy doesn't work out and the rent isn't paid.

I am not unsympathetic to your applicant, but if it were me, there's too many red flags unless you can get further info.

Sounds like the agent /referencing company need to wake up or be ditched if they won't perform the essential checks required these days.

The Forever Tenant

16:47 PM, 22nd December 2022, About 9 months ago

Personally I think you are reading too much into it.

You have what looks like a great tenant who even though the above reply suggests otherwise, is earning enough to cover the earning requirements. If they have the funds to pay the deposit without issue, then they are likely to have savings.

I cannot see the red flags that others apparently can.

I would suggest that you remember that this person is from the generation that you are trying to get on your side. By rejecting someone for what is apparently no fault of theirs, all you are doing is further reinforcing the negative opinion of landlords to that next generation.


9:33 AM, 23rd December 2022, About 9 months ago

As long as she passes the referencing you can take out landlord rental insurance

Judith Wordsworth

10:51 AM, 23rd December 2022, About 9 months ago

Can she get a guarantor?

Simon M

12:09 PM, 23rd December 2022, About 9 months ago

Not impressed by your agent - they seem to have a least effort approach and add little value. Your applicant may be great but it's your income and property at risk.

Holding down a job for 6 months isn't evidence of long-term security so it wouldn't be unreasonable to ask for a guarantor otherwise cover the risk with insurance.

I now insist on meeting all applicants in person before agreeing a tenancy. It really helps me understand what issues might arise. They start to learn what's important to you and realise you're not a faceless Rachman. Easier if you're local of course.

Reluctant Landlord

12:30 PM, 23rd December 2022, About 9 months ago

Reply to the comment left by Judith Wordsworth at 23/12/2022 - 10:51

Reluctant Landlord

12:34 PM, 23rd December 2022, About 9 months ago

Conclusion - in the end (by pure luck) another person applied today (directly to me) - and I feel this is a less risky option and a better fit overall within the block.

The Agent has been given short shrift and the contract has been ended with them.

Thanks for everyone's replies. When you are a WFH LL sometimes you need another LL to bounce off.

John Grefe

14:47 PM, 23rd December 2022, About 9 months ago

Re DSR: There's enough problems in this business without what seems to be more. If you go bankrupt no one will help you, as they just want their money back!
Be ruthless and ask yourself "would a landlord(or girl) take on you?" NO! There's safer tenants. You were saved by the bell. And, finally you have booted out an agent you ought to be banned from the market.
Good luck and a merry Christmas


23:19 PM, 23rd December 2022, About 9 months ago

This is why Section 21 was important, it gives Landlords security to evict tenants when they become a problem, stop paying rent or become anti-social, which requires no evidence, Section 8 only offers protection against rent but very difficult to use other grounds without solid evidence, This is the reason Landlords will now scrutinise tenants properly.

Today I was speaking to a lady looking for a 2 bed flat or a house, she is not able to get one locally, even though rent was not so much an issue, as she would qualify for housing benefit, but how many landlords accept housing benefit tenants, and secondly i told her that rents are very high because of stringent regulations imposed on Landlords and property |Licensing has all added to highest rents ever. So why not write to local council and complain that selective licensing is a load of crap and has direct;y caused increased rents.

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