Places to rent without paying no deposit?

[jenny_wren]

claiming as a couple you get less than say him claiming for his half, but, tbh you are together and its not a good way to start out by lying to the authorities for financial gain

i wouldn't lie to them, i know i'd get
caught if i did

and yazz ... i've no idea but they've calculated
it as that and im the main applicant on all the forms
we fill out other than working tax credits so it might
have something to do with that

but i know its right as we've had people come out
and go over all our finances and recalculate it as we
were getting more than that in the beginning lol

xx​

 

[Yazz_n_bump]

hun if u arw living together as a couple because you work your oh wont get housing benefit or anything u may be able to apply ur self for a small amount of housing benfit your self to help but your oh would actually get any now that u will be living togehter as a couple

im confused! my oh works and i claim housing
benefit and we're living together ​

do they know ur oh lives with u coz when i was renting privatly and my oh was moving in i told the benefit office and they said we were only entitled to £38 a week housing benefit my rent was 775 and my oh earned 1000

yea, we filled it out as a couple, we were living together
before we claimed for anything if that helps?

my oh earns 1000, our rent is 775 and we get
170 housing a fort night and its been reviewed
twice so i know its 100% right xx​

oh the rules must have changed then it has been 2 yrs since we were in privatly rented accomadtion thats much better that way how they used to expect 1 persons wage to be enough to live on and pay the rent did make me wonder lol

So basically OH can claim it just won't be the full amount they normally give? That is still brilliant as he will hopefully (wishing) have a job in the next 2 months. He's going to ring housing benefit offices tomorrow morning and ask about it.

 

[suzib76]

you claim as a couple and you will be entitled to some as you are on a low wage etc so dont worry you will get help - can someone not lend you the deposit?

 

[jenny_wren]

hun if u arw living together as a couple because you work your oh wont get housing benefit or anything u may be able to apply ur self for a small amount of housing benfit your self to help but your oh would actually get any now that u will be living togehter as a couple

im confused! my oh works and i claim housing
benefit and we're living together ​

do they know ur oh lives with u coz when i was renting privatly and my oh was moving in i told the benefit office and they said we were only entitled to £38 a week housing benefit my rent was 775 and my oh earned 1000

yea, we filled it out as a couple, we were living together
before we claimed for anything if that helps?

my oh earns 1000, our rent is 775 and we get
170 housing a fort night and its been reviewed
twice so i know its 100% right xx​

oh the rules must have changed then it has been 2 yrs since we were in privatly rented accomadtion thats much better that way how they used to expect 1 persons wage to be enough to live on and pay the rent did make me wonder lol

we've been here a year now so it must have
changed at some point

we wouldn't be able to live on my oh wages alone
it's so expensive down south ​

 

[jenny_wren]

you claim as a couple and you will be entitled to some as you are on a low wage etc so dont worry you will get help - can someone not lend you the deposit?

house deposits aren't cheap lol

through an agency its 1000-2000

not many people would have that to lend lol

xx​

 

[jenny_wren]

if you're living together you'll need to have
both your names on the application

put him as the main person though as he's earning
less ​

 

[Yazz_n_bump]

if you're living together you'll need to have
both your names on the application

put him as the main person though as he's earning
less ​

Aha thank you. We will do.

I do have £3,000 saved up but I cannot touch it as it's in my parents account. I lent it to them a time ago when I didn't think I needed it. They still need to find out about pregnancy (waiting till scan next Tuesday) so I think I could maybe use some of that. But i'd rather not as I wanted to use it for a cheap car and a few baby items.

 

[mightyspu]

I'm really sorry hon, but there will be very few landlords who will rent to you without a deposit, basically, 1f a tenant (and I am not saying you or your oh would!) did a runner or trashed the property, they would have no way of paying the mortgage back on it, or covering the costs to get it habitable again.

I'm glad you said you wouldn't go down the route of "we just ended up getting together" as they have ways of finding these things out and you would have to get a 2 bedroom place to make it look convincable.

And I agree that buying would be way out of the question, the poster that said paying rent is "dead money" is correct, however a mortgage is a huge financial commitment to make, especially on only £700.00 pcm. As the daughter of an ex mortgage broker (and currrent letting agent) and a mortgage holder myself, you would not be approved (especially as you have only just started your job, banks like you to have been in your job for a while)

Can you stay where you are at the present and save for a deposit? In the meantime, could oh attempt to find work to help out?

 

[mum2beagain]

tell me about it down south is a joke it may also be differnt bacause we hadnt had our dd when we put the claim in so we were just a couple coz then they will only pay for what u would be entitiled to say up to a 1 bed place untill baby is born

 

[jenny_wren]

if you're living together you'll need to have
both your names on the application

put him as the main person though as he's earning
less ​

Aha thank you. We will do.

I do have £3,000 saved up but I cannot touch it as it's in my parents account. I lent it to them a time ago when I didn't think I needed it. They still need to find out about pregnancy (waiting till scan next Tuesday) so I think I could maybe use some of that. But i'd rather not as I wanted to use it for a cheap car and a few baby items.

i'd speak to the council first and ask them about their
'rent in advance scheme' that way they'll pay your deposit
you pay the first months rent and you'll be able to move out
quicker because you have the money in savings now
anything above £3000 in savings they will class as an income
and will deduct it from your benefits btw!

you're in a really good situation though!!

xxx​

 

[Mummy2Asher]

most landlords you find in the paper only ask
for a months rent upfront some wont take
housing benefit, however if you get it paid into
your bank account they'll never know!!

also if you do it through the council they pay
your deposit for you, that's what we did &
all their registered landlords take dss

pm me if you need anymore info!

but there is hope hun

xx​

exactly what i would of said! xxx

 

[jenny_wren]

tell me about it down south is a joke it may also be differnt bacause we hadnt had our dd when we put the claim in so we were just a couple coz then they will only pay for what u would be entitiled to say up to a 1 bed place untill baby is born

we were only entitled to about 35 a week without
having our daughter, so we got that for the first month
and reclaimed when she was born! so that'll be why
the amount was so different

i was worried she was going to be late and we were
going to struggle to pay the rent, but she was early
so we pulled it off lol

xxx​

 

[mum2beagain]

where abouts are u from jenny wren??

 

[Yazz_n_bump]

I'm really sorry hon, but there will be very few landlords who will rent to you without a deposit, basically, 1f a tenant (and I am not saying you or your oh would!) did a runner or trashed the property, they would have no way of paying the mortgage back on it, or covering the costs to get it habitable again.

I'm glad you said you wouldn't go down the route of "we just ended up getting together" as they have ways of finding these things out and you would have to get a 2 bedroom place to make it look convincable.

And I agree that buying would be way out of the question, the poster that said paying rent is "dead money" is correct, however a mortgage is a huge financial commitment to make, especially on only £700.00 pcm. As the daughter of an ex mortgage broker (and currrent letting agent) and a mortgage holder myself, you would not be approved (especially as you have only just started your job, banks like you to have been in your job for a while)

Can you stay where you are at the present and save for a deposit? In the meantime, could oh attempt to find work to help out?

I can stay where I am quite happily but OH cannot as he is living on people's sofas and he can't crash at his mum's for a month or two as it's out in the country side. OH is looking every day, even getting me to ask my boss if there's any postions coming up soon which there is.

 

[jenny_wren]

where abouts are u from jenny wren??

hampshire xx​

 

[Yazz_n_bump]

if you're living together you'll need to have
both your names on the application

put him as the main person though as he's earning
less ​

Aha thank you. We will do.

I do have £3,000 saved up but I cannot touch it as it's in my parents account. I lent it to them a time ago when I didn't think I needed it. They still need to find out about pregnancy (waiting till scan next Tuesday) so I think I could maybe use some of that. But i'd rather not as I wanted to use it for a cheap car and a few baby items.

i'd speak to the council first and ask them about their
'rent in advance scheme' that way they'll pay your deposit
you pay the first months rent and you'll be able to move out
quicker because you have the money in savings now
anything above £3000 in savings they will class as an income
and will deduct it from your benefits btw!

you're in a really good situation though!!

xxx​

£3,000 is in my parents account. They did this so I wouldn't get taxed and because they needed to borrow the money to do the kitchen and I think they have enough to pay me back now. So I could possibly take out £1,000 or how ever much desposit and pay and they can be none the wiser about the rest.

 

[jenny_wren]

I can stay where I am quite happily but OH cannot as he is living on people's sofas and he can't crash at his mum's for a month or two as it's out in the country side. OH is looking every day, even getting me to ask my boss if there's any postions coming up soon which there is.

no way he could stay at yours for a few months?
until you've got everything sorted and start to move out?
to get a job you really need an address lol

xx​

 

[Yazz_n_bump]

tell me about it down south is a joke it may also be differnt bacause we hadnt had our dd when we put the claim in so we were just a couple coz then they will only pay for what u would be entitiled to say up to a 1 bed place untill baby is born

1 place bed? That's silly. It's only £100 or so extra a month for a extra bedroom in Peterborough so me and OH are fine with that. I'm glad I moved aha, I used to live in Portsmouth.

 

[Yazz_n_bump]

I can stay where I am quite happily but OH cannot as he is living on people's sofas and he can't crash at his mum's for a month or two as it's out in the country side. OH is looking every day, even getting me to ask my boss if there's any postions coming up soon which there is.

no way he could stay at yours for a few months?
until you've got everything sorted and start to move out?
to get a job you really need an address lol

xx​

My parents are completely iffy, hence why I'm even more happier to be moving out. They do not like OH very much and don't know about the baby yet so I think they'll kill him rather than put him up here, which is completely unfair.

 

[annawrigley]

i really dont know anything about the system so cant help you there, but just reading through i think your parents will be much more willing to help out once they know about the baby and can hopefully give you some of that money back for a deposit xx