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Posted: Sun Jan 22, 2012 8:09 pm
by Ruth.mh
Hi, I would really appreciate some advice.
My IVA began on 23/11/11 and at present I live with my parents. However, being 31 and being told I shouldn't let an IVA put a hold on my life, I am keen to move in with my boyfriend.
He has a perfect credit file and we are not financially linked in anyway. But I am worried that if we approach a letting agent they will take one look at me and my situation and refuse us. Is this likely to be the case? Or would they accept my boyfriend as having sole responsibility for paying the rent?
Ruth x
Posted: Sun Jan 22, 2012 8:17 pm
by Shining
he could apply on his own if he can afford to?
Posted: Sun Jan 22, 2012 8:19 pm
by plasticdaft
I would let him apply on his own,and would be tempted to try and keep all your finances separate until the IVA is off your record.
Certainly do not press pause on your life!!!
Paul
Posted: Sun Jan 22, 2012 8:21 pm
by Ruth.mh
Sorry if this sounds daft, but if he applies to rent a property on his own, can I live there?
Posted: Sun Jan 22, 2012 8:22 pm
by Shining
I don't think that sounds daft and hadn't thought about that....maybe someone who rents will be able to confirm this. x
Posted: Sun Jan 22, 2012 8:25 pm
by plasticdaft
You dont have to all be named on the rental paperwork if a family rent so pretty sure you will be fine if only he applies. You could always just live in a tent in the garden!!
Paul
ps sure it will be fine for you to live there too!!
Posted: Sun Jan 22, 2012 8:29 pm
by Daveyboi
Yes you can live there but he would have to be credit worthy for the whole of the rent and bills through the letting agent and he would have to declare you living there for council tax purposes so he doesn't get the 25% discount wrongly. Only he would be protected by the rental agreement and likewise only he will be tied into it
I would be careful paying him rent officially due to sub-letting clauses I'm his contract but you can find out about that. If you have good references from past landlord they could accept you anyway with a large deposit or a guarantor
Good luck x
Posted: Sun Jan 22, 2012 8:57 pm
by Skippy
My circumstances were slightly different but we moved whilst I was BR. Due to my circumstances we wouldn't have got a mortgage if I was named so everything was done in his name.
Daveyboi makes a good point about paying rent to your partner. I've never contributed towards the mortgage but I've paid my share of the bills and I've always paid for the food and housekeeping so maybe you could do something like that.