do all adults HAVE to be on the tenancy?

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    do all adults HAVE to be on the tenancy?

    hi,
    this is asked on behalf of a friend..
    When renting a property as a couple do both adults HAVE to be on the tenancy?
    Say the man has a decent job, good credit and wants to be sole tenant... the women has bad credit from bankruptcy and does not want to be credit checked and be on tenancy.
    Are they allowed to do this?
    The man would pass the checks etc on his own. Could the women be classed as a non-dependant living with him?
    Would you fail a reference check if the 2nd person has bad credit and doesnt work due to disability?

    #2
    It depends on the landlord's situation.
    Often insurance and BTL mortgage terms require any adult living on the premises to be tenants.

    The risk to a landlord if they are a couple is that the relationship ends and the tenant moves out, leaving the landlord with a problem.

    So normally, I simply wouldn't do it.
    But it is possible.

    Unless the landlord takes out lost rent insurance (which requires the tenants pass a credit check), which I don't use, there's nothing to stop the tenant failing a credit check and still being added to the agreement as a tenant anyway, if the landlord is prepared to do that,
    When I post, I am expressing an opinion - feel free to disagree, I have been wrong before.
    Please don't act on my suggestions without checking with a grown-up (ideally some kind of expert).

    Comment


      #3
      Even someone with a bankruptcy is better on tenancy as someone else to chase/sue should rent not he paid.

      But I'd credit and Landlord check her. Bet there's more dodgy on her record - that the gentleman may not have been appraised of
      I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...

      Comment


        #4
        Nothing to stop the man applying on his own then moving his partner in with him.

        Comment


          #5
          If they're married then she would aquire tenancy rights through other legislation. I would be wary of housing anyone with such a poor credit history.

          Comment


            #6
            If the man had good credit and a good salary I'd put both on the tenancy agreement. Being on a private let tenancy won't improve your credit rating, apparently, which is unfair IMO.

            If the man then ups and leaves he's still responsible for the tenancy just as much as he was before.

            Comment

            Latest Activity

            Collapse

            Working...
            X