Help Needed to Private Rent once out of the military

#1
Hi I was wondering if somebody could help us, we are currently based in NI and my hubby is due out in
Sept after 22yrs we are wanting to move back to Mainland and private rent in readiness for his discharge,
When we have spoken to rental agencies they are wanting landlord and employee references, has anybody
had experience of this as we don't know what to put on the forms, as obviously we have been in MQ's for the
last 7yrs and it's not like his boss can confirm his wages.
TIA
Andrea
 
#2
Friend of mine did this - employee reference - OC. Landlord reference DHE (or whatever they are called nowadays) He had no problems with that
 
#3
It's helpful if you move before he ceases employment with the Army. That way you have an employer & landlord too - as AFA06 has already said. Then if he/you can't find employment for a while afterwards, at least you will be entitled to Housing Benefit, even though it may not cover all the rent.
 
#4
we are moving well before he is due out, just trying to get things in order thanks for you replies just I had heard DHE don't supply you with references.
 
#5
I didn't realise that about DHE. Most landlords will be happy that he's in employment with the military & will forgo the previous landlord reference - just don't tell them that he's due out. If asked, say he is likely to be deployed but you want to move to stay near family.

Priority for landlords is payment of rent. Once you have established that you will pay promptly and in full, they are not too worried if you go on to DSS. After all, they still have your deposit.
 

elovabloke

ADC
Moderator
#6
Priority for landlords is payment of rent. Once you have established that you will pay promptly and in full, they are not too worried if you go on to DSS. After all, they still have your deposit.
ee
But as already said with the new housing benifit rules it is highly likely that the benifit will not cover the rent and will require a large top up from the tenant. Have you not apllied to the council as well as a back up?
 
#7
At the moment private rent are geared to match the Housing Benefit limits. Ergo, if this reduces, so will the majority of rental prices apart from popular inner city areas and London.
 
#8
I didn't realise that about DHE. Most landlords will be happy that he's in employment with the military & will forgo the previous landlord reference - just don't tell them that he's due out. If asked, say he is likely to be deployed but you want to move to stay near family.

Priority for landlords is payment of rent. Once you have established that you will pay promptly and in full, they are not too worried if you go on to DSS. After all, they still have your deposit.
So you are suggesting lie to the new landlord.

Smart move.

NOT
 
#9
No. It's not a lie, just stretching the truth. After all, he may end up not leaving at all if there is a skills shortage in his specialist area & he is asked to extend his contract.
Get real people, it's tough enough to find somewhere that's nice & at a reasonable rent. Most Housing Association stock is hideous and requires working your way up a long and tortuous points system, so it's far better to find your own accomodation & then apply for Housing benefit.Some Associations actually recommend this way as they know they cannot find housing for anyway near the amount of applicants.
 
#10
No different to a mortgage application , it is only an indication of your earnings / expenditure on the day of applying .
 
#11
Too true. It's up to the letting agencies to do their homework & advise their clients.
If I was a landlord, I'd far rather let to ex-services as I'd know they at least understand the handover & responsibility clauses of the rental contract.
 
#13
I would advise NOT to explain the situation from the off . Look at it from the landlord's side; a history of payment in full and on time beats anything else. So, move in, establish a payment history, and THEN talk to the landlord when/if the sutuation changes.
If you land employment quickly, there will be no need to even involve any Housing Benefit claim, and it's just a case of letting your landlord know of the employer change (after a few months, so you'll get a reference off them).
 
#14
Re-read the OP.

No mention of housing benefit.

Simply that they have no references suitable for the forms that estate agents chuck at people.

So what? Remember that you are no longer dealing with some dick-head in the pay office/whatever any more.... behind those forms in Civvi st is a real live person with a mortgage wanting cash in the bank.

So you say, 'Look, I'm an ex squaddie it's complicated for me but I've got some brass.

And the doors will open, trust me.
I'd rather have that and take the risk with someone being honest than find out they were lying and are inbetween jobs.
 
#15
Seriously, that seldom works in Civvy Street. All the agencies work to initial criteria set by the landlord. Unless you can get to speak to the landlord directly, it's best to do this farcical pretence of 'not knowing what the future holds' whilst dealing with the agent.
I have quite a lot of experience of clients leaving tied accomodation and so far have found the 'half-truth' method produces the best result for the tenant. This way they get to choose the area they live in instead of waiting for housing association accomodation that can be miles from their preferred location.
 
#16
Yes. the agency takes it's fee, but they are expected to work for it. It's a one-off upfront fee, but then there's a monthly fee based on a percentage of the rental income. Basically, it's not wise long-term for them to take on a tenant that won't pay the rent as they dip out on all the monthly income. The initial percentage they get now is quite low.
 
#17
No landlord cares about managed, all they want is rent paid. So a history of rent paid outweighs someone just starting to rent, no matter what their income (unless they are a footballer or a banker).
An offer to pay a deposit plus 2 or 3 months rent in advance outweighs your average Joe. And if in London, you will need to commit to a 2 year lease to get the best rates.
 
#18
Of course I'm fit! But you're in Mancs so you'll never know unless you deign to attend Armed Forces Day down south one day. And I suppose you would classify yourself as fit too? But fit for what we wonder...........
 

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