Joint tenants: UK national and Hungarian national?

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

    Joint tenants: UK national and Hungarian national?

    I am currently considering moving in with my partner into a one or two bedroom apartment in the near future.
    I am a 25 year old professional with good income and an excellent credit history, she is a 20 year old student from Hungary due to start a masters course at Cardiff. She will have a limited or no credit history due to residence with parents in Hungary, and has only been in the UK for 6 months, so does not count yet as a UK resident (Hungary is in the EU so she is ok to be here.)

    The following ways of allowing us to share a property (as far as I can tell) are:

    -Let the property under my name only and be completely liable, possibly rendering her occupation of the property illegal and also affording her no rights whatsoever, in addition there will be a ‘black hole’ in her credit history here where she is at no fixed address.

    -Is there any way that a tenancy agreement can be made that allows me to be solely liable for all rent/costs whilst still naming her as a tenant? I.e. if she leaves then I am completely liable, which is fine. I can establish privately how we split the rent and costs.

    - Or is there a way that the tenancy agreement can be made that fixes the contribution that we both make to the rent formally, with us both jointly and severally liable if either one leaves, so a sort of customised Joint tenancy agreement? Taking into the account that she has no credit history apart from confirmed income from the student loans company.

    Any feedback would be appreciated, including if I’m totally going up the wrong way here!

    #2
    It’s not illegal for tenants to have guests.

    In your circumstances, a sensible landlord should reference and credit check both of you. Almost certainly your partner will fail and the prospective landlord can make an informed decision whether to put both names on the tenancy, your sole name or not accept either of you.

    Alternatively, do everything in your sole name and do not involve your partner at all. She would have no tenant rights and would effectively be your guest.

    If you are accepted as a tenant, you and your partner can decide what combination of names to put on the utility bills. It is for you both to decide the proportion of contributions to the household expenses.

    Comment


      #3
      Another option is for your partner, like lots of students with no independent income, to be named as a joint tenant but to have a UK based guarantor for her share of the rent and bills. Is that possible in her case?
      'Pause you who read this, and think for a moment of the long chain of iron or gold, of thorns or flowers, that would never have bound you, but for the formation fo the first link on one memorable day'. Charles Dickens, Great Expectations

      Comment


        #4
        Thanks that is very useful Poppy. I guess the whole thing would have to be based on trust.. which is a bit tricky..
        Originally posted by Poppy View Post
        If you are accepted as a tenant, you and your partner can decide what combination of names to put on the utility bills. It is for you both to decide the proportion of contributions to the household expenses.
        And I guess this is one way of proving that you actually live somewhere!

        Originally posted by mind the gap View Post
        Another option is for your partner, like lots of students with no independent income, to be named as a joint tenant but to have a UK based guarantor for her share of the rent and bills. Is that possible in her case?
        Thanks for the reply - It won't be possible as she has no family here, is there any option that the lead tenant (i.e. me) could be guarantor for the other named tenants on a joint tenancy or is this just too risky for a landlord? The idea is I need a much bigger place anyway and would not be paying for somewhere that I couldn't afford to pay for myself - so if she skipped then it would obviously be a financial implication but it wouldn't be the end of the world. Basically if anyone could afford a mortgage any more then that's the route I would be going down..

        Comment


          #5
          There is no point for you to be a guranatour for her if you will have joint tenancy; as each of you is responsible for all the rent, not just your share.

          You need to find a sympathetic LL. Or pay more rent up front
          All posts in good faith, but do not rely on them

          * * * * * ** * * * * * * * * * * * *

          You can search the forums here:

          Comment

          Latest Activity

          Collapse

          • Joint tenancy - end fixed term
            Nottinverno
            Hello,

            need some advice, please, I'm getting mad at this.

            I have a joint tenancy, renting a flat through an agency with other 2 people, ending end January.
            I have decided to move out and I gave my notice (to both the agency and my flatmates) last end November, however...
            09-01-2018, 14:29 PM
          • Reply to Joint tenancy - end fixed term
            KTC
            Ask the solicitor for their interpretation of section 5(5)(b) of the Housing Act 1988 regarding giving a notice to quit on the first day of the statutory periodic tenancy.
            19-01-2018, 22:54 PM
          • Reply to Joint tenancy - end fixed term
            Nottinverno
            Oh nono, I have to leave at the end of Feb. I have already moved forward my move and luckily the new landlord is flexible, but I can't stay other 2 months in my current place.
            It really seems that as soon as the periodic roll starts I can serve 1 month notice, so by end Feb I should be able to...
            19-01-2018, 22:48 PM
          • Payment Break
            OlliesDad
            I have a great long-term tenant who, along with her husband and daughter has been with me for nearly 5 years. Unfortunately the husband has done the dirty and left leaving her with nothing but debts. Her finances are in a mess and she has said she may need to move in with family whilst she sorts herself...
            18-01-2018, 21:27 PM
          • Reply to Payment Break
            royw
            You have a good tenant and if it were me I'd be looking for ways to keep her rather than evict her. Might be worth having a chat and find out how much she can afford now and in the long-term. If she can afford it on her own once the debts are cleared possibly offer her a reduced rent for a year equivalent...
            19-01-2018, 22:26 PM
          • Tenants not vacated at check-out
            tatemono
            Had a lovely young couple with a baby in our property for about 8 months, they gave notice to leave as he'd moved out after they split up and she couldn't afford rent. Sad situation for them. Property has been on market since.

            Anyway, yesterday our very competent and well-trusted long-standing...
            09-01-2018, 08:58 AM
          • Reply to Tenants not vacated at check-out
            KTC
            If it were a notice to quit given during a periodic tenancy, as opposed to an agreement with the landlord during the fixed term, then tenancy has ended. Validity of a notice to quit does not depend on whether the tenant follow up and acting in accordance to it. A notice to quit is not a notice of intention....
            19-01-2018, 22:20 PM
          • Reply to Tenants not vacated at check-out
            buzzard1994
            But the notice wasn't valid because the tenant did not give up possession. The notice is an intention to end the tenancy but the tenant remains in possession so they did not end the tenancy. If it was the end of a fixed term that would be different....
            19-01-2018, 22:06 PM
          • Reply to Joint tenancy - end fixed term
            KTC
            Just serve your own notice and leave them to it. Wish them good luck if either one tries to sue you for rent etc.

            Having said that, I'm not totally sure about my previous advice that you can give notice on the first day of the periodic tenancy, so if you want to be safe, give notice after...
            19-01-2018, 21:53 PM
          • Tenant paying rent erratically after section 21 notice. Best course of action?
            Flipjango
            We had tenants move in on a 12 month AST with a 6 month break clause on 10th August 2017. Less than two months into their tenancy the tenants (a couple) split up and one tenant moved out. Tenant 1 (the one who moved out) continued to pay his share of the rent, (if rather erratically and late, and with...
            18-01-2018, 20:42 PM
          Working...
          X