39404
LauLau
LauLau (Rank: Bachelor)

Landlords / Estate agents advice / point of view?

From a Landlords/Estate agents point of view, would you regard someone who recieves Housing Benefit to be just the same as someone receiving other benefits - Jobseekers, Incapacity etc?
I am looking to move out into privately rented accomodation & am worried that I will be discriminated against as I am eligable to receive Housing benefit.

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Asked in housing benefit, estate agents, Landlords asked on: 06/23/2008 11:48am
closed on: 06/30/2008 11:48am

3 Answers

624
CGA

CGA

Rank: Nobel Prize Winner (7,545) | discrimination (12), Landlords (6)

12 minutes after the question was opened (06/23/2008 11:59am)

1

From the point of view of (this) landlord I would view someone receiving housing benefit as no different to someone receiving any other form of income. If they are able to afford the rent and have no bad references for previous landlords then that is fine with me. The only qualification I would make is providing the rent is paid by the tenant and not, directly, by the DHSS. If that were the case then my property finance would prohibit me from accepting the tenancy.


Supplement from 06/23/2008 12:08pm:

Just to supplement. The 3 main questions I ask about a prospective tenant are :-
1. Can they afford the rent?
2. Is their income that they need for the rent reliable?
3. Have they a history of causing problems to previous landlords?

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high1971

high1971

Rank: Bachelor (878)

33 minutes after the question was opened (06/23/2008 12:20pm)

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well personally if you get housing benefit i would class you as a good tennent as the or most of the rent will be got from the housing bennefit

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robinsamuels

robinsamuels

Rank: Doctorate (2,354)

7 days after the question was opened (06/30/2008 09:54am)

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If I was the landlord, then I would see no problem with housing benefit, as it's more money towards the rent.

On the other hand though, many letting agents seem to class all benefits as a problem. In this area, the usual statement is "no benefits" and I can't find any agents giving more specific details. I guess that there is a prejudice that says if you have to claim then you are on low income and therefore a bad risk.

Try private rentals through the local papers and newsagents. The landlords are often far more flexible and don't often take up full references.

Good luck with the property hunt.

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624
CGA
CGA

btw: I should have added 'Best of luck'.

1437
sheps101
sheps101

No need to declare you get housing benefit (I never have) just make sure you have the month in advance and the deposit for the accommodation saved up. This then gives you a month to get your rebate sorted and make sure it is paid directly to you and pay your landlord in what ever way has been arranged.

624
CGA
CGA

Sure, that is fine but you probably have a good rental history so landlords would not need to enquire too deeply. Without that the landlord would want some plausible idea of where the rent was coming from and that it was affordable. If the housing benefit is paid to the tenant then, you are right, there is no NEED to declare it - but it would probably be beneficial to do so. Landlords (and particularly agents) live in the real world and are not going to be put of by baseless prejudice. They are more likely to be put off if something does not seem to add up.

1437
sheps101
sheps101

I just see it as none of their business, all you need I have found is a good reference from your bank manager (helps I have found if you know your branch manager personally, so that's a good reason to keep those appointments they offer to assess you status)
So many rentals say no DSS, and that is very unfair in my books. Believe it or not it was my current landlords factor/law firm that told me how to get around the system as they don't like the prejudice people on low income suffer. They insisted I did it that way and not have the DSS involved with them or pay them, as it makes me the same as every other tenant on their books.

624
CGA
CGA

Yes, I agree that the 'No DSS' is unfair and I have no such prejudice. However, I am not allowed to let to anyone where the payment is made by the DSS.
Your method is fine, I as a landlord may well know you are doing that and be happy, but I would be meeting my obligation to my lenders if the money I receive is from you.

What is my business as a landlord is to satisfy myself that the tenant has a reasonable chance of affording the property and that I am not going to need to get into repossession procedure for default (this can be very expensive). Agents deal with prospective tenants every day and they are not easily fooled. If you try to pull the wool over their eyes then there is a good chance you will get nowhere. If you are open and are able to afford the property then they would be mad to reject you.
If someone tries to hide their real situation you can 'smell' that there is something wrong. Not knowing what it is will make me back off quickly but, if I know, then I can make a value judgement based on the facts.

1437
sheps101
sheps101

I was not suggesting they cover it up, more that their is no point in mentioning it if not asked and more so not to be put off applying for a house that says no dss as if you are paying not the dss what does it matter where they money comes from?
Interesting point about not been allowed to let to anyone where the payment is made by the DSS, and i guess this maybe the problem for many, but I also think that many don't know their is other ways for people to pay them who receive DSS

624
CGA
CGA

No argument with that