Renting with unemployed wife

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    Renting with unemployed wife

    Dear All,

    I am a new University Lecturer moving to the UK from the EU. I need to rent a property for me and my wife. Since I've always earned enough for both of us, my wife resigned from her paid job 3 years ago in order to volunteer for a local charity.

    I have very good references from my current employer and landlord and have a perfect credit history. She can get good references from her current volunteering agency too.

    Do you think there will be any problem in renting a house for us, given that she is unemployed and we don't know anybody in the UK that can guarantee for her?

    Thanks a lot.

    #2
    I don't see that you have a problem.

    If your income is sufficient to support both of you, and you can prove it with bank statements etc. most landlords will be happy to rent to you.

    You do not need to take a JOINT tenancy, taking the tenancy in your own name is fine, your wife can be a permitted occupier.

    You may find landlords that manage their own properties are more amenable for your purposes (and cheaper).
    I offer no guarantee that anything I say is correct. wysiwyg

    Comment


      #3
      You say that you have a good credit history. I presume this isn't UK credit history. Will make uk credit searches pointless and not help you at all.
      "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.

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        #4
        Originally posted by Wannadonnadoodah View Post
        You say that you have a good credit history. I presume this isn't UK credit history. Will make uk credit searches pointless and not help you at all.
        Yes, I think that is more likely to cause a problem for the OP than having a non-working wife.

        Comment


          #5
          I would ask your line manager to speak to the manager of your uni's accommodation service and ask if you can be introduced to some landlords.

          Comment


            #6
            Lack of UK credit history could be a problem and prior bank statemetrs of little help, unlesss OP can show ratio between non UK salary and rent is equiv to anticipated UK ratio.
            A good UK employer ref detailing salary & tenure may help, As suggeste the Uni my be able introduce OP to willing LLs, in order foirOP to create a prob positiver UK CRA check
            Otherwis OP needs to secure UK benefits and/or wife needs to sejk paid employment in UK top cover rent deficet,

            Comment


              #7
              benefits? Why on earth....
              Unshackled by the chains of idle vanity, A modest manatee, that's me

              Comment


                #8
                Wife should get a job - even if only stacking shelves or flippin' burgers - 'twould look better on the application...

                I'd not have been happy with a non-working wife as a husband (or non-working husband as a wife..) - especially with nae weans...
                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


                  #9
                  May I suggest that you provide the last 6 months Bank Statements to demonstrate that you have lived within your means , in addition there are schemes available whereby the Landlord can effect a Rental Guarantee , the premiums vary according to the value of the property and the level of rent charged , if renting does prove problematic which in my opinion shouldn't prove to be the case you offer to pay the first years premium to the Landlord after which he can then elect to cancel the policy or equally you may decide to move as by that time you will have twelve months UK credit profile which will aid any tenancy application.

                  Best of luck not that I think you will need it and welcome to the UK. Not all Landlords are cumudgeon.

                  Comment

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