UK Student/DSS renting

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    UK Student/DSS renting

    hi, i am new here.

    I have a question to ask about UK DSS and student renting.

    I have been working and living overseas for several years, but the economy there is poor, so I moved back. I currently live with my parents, but this is a starting position since I have been doing voluntary work in the interim, and looking for work as I am also changing my career.

    Part of my plan in moving back was to get a rental place initially. I have applied for LHA since I want to move away now, and I have some income from my online business to tide me over until I get a job.

    But I've read that DSS rents are not allowed by many landlords. I may be applying for benefits, but only as a legup, and i'm not a scamp or troublemaker. I have a degree, many certs in various areas, and have a good working record for most of my working life. It seems unfair, as anybody imho who thinks a person on benefits is lowly or a layabout is a fool. So what's the best way to get around this?

    And do student renters allow non students? I'm somewhat older than the normal student age as I am 37, but then I would not get in students' way, nor cause them bother.

    Thanks

    #2
    Originally posted by co999 View Post
    hi, i am new here.

    I have a question to ask about UK DSS and student renting.

    I have been working and living overseas for several years, but the economy there is poor, so I moved back. I currently live with my parents, but this is a starting position since I have been doing voluntary work in the interim, and looking for work as I am also changing my career.

    Part of my plan in moving back was to get a rental place initially. I have applied for LHA since I want to move away now, and I have some income from my online business to tide me over until I get a job.

    But I've read that DSS rents are not allowed by many landlords. I may be applying for benefits, but only as a legup, and i'm not a scamp or troublemaker. I have a degree, many certs in various areas, and have a good working record for most of my working life. It seems unfair, as anybody imho who thinks a person on benefits is lowly or a layabout is a fool. So what's the best way to get around this?

    And do student renters allow non students? I'm somewhat older than the normal student age as I am 37, but then I would not get in students' way, nor cause them bother.

    Thanks
    Trouble is with DSS (don't let the fact it hasn't been DSS since 2001 change what you think you'll be getting) that the majority have spoilt it for the few, throw the government in the mix and it's a recipe for disaster. I steer as far away as possible.
    "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


      #3
      1 Don't suggest to any LL he is a fool for not accepting Ts on benefits - close the door on way out.
      Virtually anyone over 18 can be a LL, if they have permission to Let.
      How will your CRA Credit Report and bank statements support your application to rent?

      Comment


        #4
        Originally posted by co999 View Post
        And do student renters allow non students?
        If they do, be prepared to pay the whole council tax bill for the property yourself as you will not be exempt from paying it.

        Comment


          #5
          The fact that you're over 35 is great news, at least you're not subject to the single room rate restriction.

          Depending on how market rents compare to your LHA you might be able to find a self-contained place. So many landlords will not / cannot let to people who receive HB (lots of restrictions re. mortgage and insurance). However, some will.

          If someone who relies on HB came to me and presented well, could provide good references and pass credit checks, I would offer them a tenancy. Be persistent; you'll have plenty of knock backs.

          Comment


            #6
            Look at it another way.

            You do not have a job that pays you enough to rent property, so why should the tax payers pay you to leave home when you are "adequately housed" at the moment ?
            I would not entertain someone who is adequately housed, but wants the Government and tax payers to pay.

            You say, "and looking for work as I am also changing my career"
            So when you get a job, you can spend your own money renting a place for yourself.
            What's the problem ? change career, and use your wages to rent !

            You applied for LHA, but have you informed them you have this on line income ?
            Have you contacted the HM Revenue & Customs - GOV.UK and advised them of your income ?
            Best to do above to see if you are eligible for the full LHA or you may find they reduce your entitlement, and you may not be able to afford the top up.
            ( you have to pay the landlord the rent asked for, and not what the council give you.- if that is less than the rent )

            Comment


              #7
              If you are a student you are not entitled to many of the usual benefits, DSS (obsolete..) or others
              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


                #8
                Originally posted by co999 View Post
                ....i'm not a scamp or troublemaker. I have a degree, many certs in various areas, and have a good working record for most of my working life. It seems unfair, as anybody imho who thinks a person on benefits is lowly or a layabout is a fool. So what's the best way to get around this?
                Thanks
                You have fundamentally misunderstood the reasons why most landlords don't accept "DSS" tenants. Its not about a moral judgement its a business decision, and its the correct business decision given the level of risk. You probably wouldnt like much of the accommodation that IS available to DSS tenants anyway so as others have suggested, change the order of events so that you get the job before moving home.

                Comment


                  #9
                  Originally posted by co999 View Post
                  ................ It seems unfair, as anybody imho who thinks a person on benefits is lowly or a layabout is a fool. ..............
                  Indeed: "people on benefits" are not as you describe ""lowly or a layabout, a fool.....""

                  I myself am on 6 benefits (State Pens, Winter Fuel, free prescriptions, free eye-test, £10 Xmas bonus, free 'bus pass): Thank you you generous tax-payers you!

                  MOST people in this country are on one benefit or another.... (Child Benefit, DLA/PIP, HB, Child tax credit / working tax credit, sovereign grant, EU farm subsidies, JSA, ESA, IS, Old age pens, widows benefits etc etc etc etc...). There are about a million people in legitimate work in receipt of HB.

                  However, those applying tenants who are only on benefits are a big risk to anyone allowing them their asset (landlords, HP companies, lenders, mobile 'phone companies..). If things go wrong (happens easily) and it ain't paid, how does the creditor get the ££££ from them, pray, please?

                  Perhaps not fair, not moral by some measures but understandable, would you say?

                  Good luck with your course: With all those qualifications hopefully you'll earn shed-loads...
                  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 DPT57 View Post
                    You have fundamentally misunderstood the reasons why most landlords don't accept "DSS" tenants. Its not about a moral judgement its a business decision, and its the correct business decision given the level of risk. You probably wouldnt like much of the accommodation that IS available to DSS tenants anyway so as others have suggested, change the order of events so that you get the job before moving home.
                    We have a successful 'supported housing' business up here actually. I honestly can't understand landlords who turn their nose up at it.

                    Comment

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