A couple of new tenant queries please

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    A couple of new tenant queries please

    Hi All,

    This is my first post and I'm looking for a little guidance. We have a lady interested in our flat and are meeting with her later this week to sort ID etc etc. She's not a UK national so other than her passport I assume I should be asking for her VISA showing that she has leave to remain? Will that be attached to her passport and can anyone give me any tips on what I am looking for? She's looking for a year let in the first instance.

    Also, she is setting up a new business and so has no way of evidencing ability to pay by way of payslips. I'm happy to credit check her but if she's not been in the UK long she may well not have much to check, other than a reference from previous landlords is there anything else I could ask for in consideration.

    I know nothing is a guarantee but I am looking to cover my back with the paperwork.

    #2
    I have no idea how to check a visa (I don't think this is a legal requirement yet).

    If she won't pass a credit check, I wouldn't rent to her.
    If you really want to, make the let shorter (3 or 6 months) and ask for 3 month's rent in advance (not as a deposit).
    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
      Not working - (startup self employed)
      No credit History
      Not sure if they can be in this country
      12 month tenancy
      Possible reference from overseas

      Pretty much ticks all the boxes for me as a landlord. The box in question has NO written next to it in bold.
      "I'm afraid I didn't do enough background checks apart from checking her identity on Facebook" - ANON

      What I say is based on my own experience and research - Please don't take as gospel without first checking the gospel yourself.

      Comment


        #4
        Originally posted by becci747 View Post
        She's not a UK national so other than her passport I assume I should be asking for her VISA showing that she has leave to remain?
        Originally posted by becci747 View Post
        Also, she is setting up a new business and so has no way of evidencing ability to pay by way of payslips.
        Originally posted by becci747 View Post
        I'm happy to credit check her but if she's not been in the UK long she may well not have much to check...
        Alarm bells are ringing here, becci747. Remember that you are not bound - in any way - to let to this person... only do it if you are completely satisfied (and more) with the situation. Is there no option to take someone who at least appears less risky? I mean, there are no guarantees even then... but maybe give yourself the best chance.

        Have you already agreed that you will let to this person by any chance? If you feel you have no choice but to proceed, at least go for a shorter fixed term (small things like that might become important in the future).

        Comment


          #5
          Thanks for the replies.

          We haven’t already agreed to the let but the market where we are is unexpectedly slow, it’s our only property and not a business, and we will struggle if it’s not let. That said you are all very right to raise your concerns with me and I am pleased to hear them.

          I’m going to ask for her consent and details to do a credit check now. If she balks at that or doesn’t pass it then it’s a veto. If she passes that then as long as she has appropriate Visa entitlement we will offer a shorter let like you’ve said. I think it’s the safest way to proceed.

          The fact she’s not a british national doesn’t bother me as long as she has the appropriate visa it’s the ability to pay I’m concerned about.

          Thanks for your honest comments

          Comment


            #6
            Ask to take copies of passport & visa. If she's unhappy say bye-bye.

            This poor lady is going to likely get ripped off by a rogue landlord: Sad
            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


              #7
              Originally posted by becci747 View Post
              we will struggle if it’s not let.
              You'll struggle more if you get a bad tenant that's for sure, even more reason to move on and take a gamble on someone who you can see the complete picture of.
              "I'm afraid I didn't do enough background checks apart from checking her identity on Facebook" - ANON

              What I say is based on my own experience and research - Please don't take as gospel without first checking the gospel yourself.

              Comment


                #8
                Wannadonnadoodah I totally agree. She's agreed to send i.d. and all the info I need to credit check straight away so if I've any issues I won't be wasting any more time. I'll check original I.d. when I see her assuming credit check is ok.

                Thanks again.

                Comment


                  #9
                  Never let a tenant "send id" or supply references.. Always take copies yourself from originals.. and take addresses & 'phone numbers and then contact directly.

                  I've seen 10's of "leave to remain" Visa stamps: I've no idea how to spot a real one from a fake (nor I suspect do most Government ministers
                  http://www.bbc.co.uk/news/uk-politics-26101442
                  or solicitors...).

                  I always want copies of passport/driving licence & payslips so I can better track then scro*ts down if they disappear inexplicably owing funds...

                  Cheers!
                  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


                    #10
                    Originally posted by becci747 View Post
                    We haven’t already agreed to the let but the market where we are is unexpectedly slow, it’s our only property and not a business, and we will struggle if it’s not let.
                    Couple of points. Firstly, regardless of what your circumstances are, do realise that it IS a business, and you need to treat it as such; that means not making decisions based on emotions, being fully aware of all the many legalities which apply to letting a property etc etc. Being an 'amateur' or 'reluctant' landlord holds no water at all!

                    Secondly - you say you'll struggle if it's not let; ie you have no rent coming in. Imagine how much worse that will be if out of desperation you let to an unsuitable tenant who doesn't pay the rent, won't leave, and hey - just to make life interesting, trashes the property as well. A far, far worse predicament than you face now.

                    In terms of your current applicant; if she's only just arrived in the UK she'll certainly fail a credit check as there'll be nothing to check. Ask her; and if that's the case, I wouldn't touch her with a barge pole.

                    To be hones though, even if this applicant was a UK national with a perfect credit history, because she's just starting up as self employed that would almost certainly be enough to make me turn her down. Old payslips from a previous job are now pretty much irrelevant.

                    Comment

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