Giving a ref for a tenant

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    Giving a ref for a tenant

    My tenant wants a ref. from the LL (me) to apply for a housing association mortgage. I have no problem with supplying this stating all rent was paid for the duration .. but not my personal details & monthly payments made, my business, as I'm concerned this info may be disclosed to other 'officials'. Who do these housing associations pass such info. onto, if any? Thanx in advance /Dude

    #2
    As long as you are declaring your rental income, your personal details and monthly payments are already disclosed to 'officials' aren't they? Or are you letting 'on the quiet'?

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      #3
      which officials concern you Sandude? Local Council? HMRC?
      Unshackled by the chains of idle vanity, A modest manatee, that's me

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        #4
        You are supplying a reference and finacial information about the ex-tenant, not about your self.

        The housing association will judge his / her ability to pay the the mortgage by his / her current income and expenditure, current job, length in that job and not what he "used" to spend.

        You only need to state he ( if he did ) rent was paid on time, and you never had any missed payments.
        That is all the housing association will be concerened with.
        They "may" ask to see some bank statements to prove you were the landlord and that you are the one who received the money, and not just a friend writing a reference, but you have no need to send them anything.

        Did he pay the rent on time, is all they need to know.
        If they don't take your word for it, it's not your problem.

        He has a job, he gets wages, and the decision to lend him money is based on his earnings. Full stop.

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          #5
          Exactly my concern

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            #6

            Did he pay the rent on time, is all they need to know.
            If they don't take your word for it, it's not your problem.


            So off you go and write a 1 line sentence ( after your intro stating who you are, the rental property and ex-tenants tenancy dates, monthly rent payable, etc. )

            Then it's just "rent was paid on time, and never had any missed payments." or whatever the truth is.

            Job done.

            P.S.
            You can totaly ignore the letter sent to you by the housing association and throw it in the bin, unanswered if you wish, and there is NO comeback on you whatsoever.
            Last edited by ram; 20-10-2014, 13:55 PM. Reason: P.S. added

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              #7
              Actually the HA letter went to my tenant not me but I think I'll just let the usual credit check take it's course & keep out of it.

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                #8
                Originally posted by Sandude View Post
                Actually the HA letter went to my tenant not me but I think I'll just let the usual credit check take it's course & keep out of it.
                Referencing is a different process to credit checking - both are needed (as a landlord yourself you'll surely be well aware of that).

                If you decline to provide a reference you'll quite likely scupper the tenant's chances of their next let. Do you have a particular reason for wanting to achieve that?

                As far as I'm concerned, providing a reference to a outgoing tenant is all part and parcel of being a landlord. I really don't see what your problem is (unless JK0 has hit the nail on the head in post #2)

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                  #9
                  Originally posted by Sandude View Post
                  My tenant wants a ref. from the LL (me) to apply for a housing association mortgage. ....
                  Surely the mortgage company would write to you. How else do you know who wants the reference & why?
                  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...

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                    #10
                    Ref. supplied with minimum info. about me so job done, thanx for your help

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                      #11
                      Originally posted by Ericthelobster View Post
                      If you decline to provide a reference you'll quite likely scupper the tenant's chances of their next let.
                      I didn't get a previous landlords reference, and I got a house to rent, no problem.
                      I even told them I was suing the landlord for failing to keep the place habitable ( wind/rain/snow coming in ) and I still got the house.
                      It does help if you are an upstanding pillar of the community though, or in my case having been renting for 7 years at the same place, and a years cash in advance ( if they wanted it ) for rent.

                      When I bought my house, ( since sold ) I had never rented, and my motgage company therefore could not get a previous landlords reference as I never had a previous Landlord. It did not stop me getting a house, AND I had only been working 2 months after a 3 year spell of unemployment.

                      I don't see any problem with no previous landlord's reference.

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