[Vanessa]

It's a complete nightmare. My landlord keeps raising the rent.
I just feel trapped.
I'm hoping I can save some money to move.
Might need to get a second job.
I don't think I can afford another raise.
So I'm making plans to move as soon as I'm able.

[AnnieK]

Have you contacted the Council Vanessa?

Look around and see, if like Ammi said in your other thread, if any landlords are offering no deposit rentals.

How long do you have left on your current tenancy? Have you checked in the small print about if you end your tenancy early? I know you get Housing Benefit, will that increase if your rent is put up?

Research your options and see what works for you

[UserSince2005]

I own.

[Vanessa]

Originally Posted by UserSince2005

I own.

I also own a house, but not in the UK.

[Vanessa]

Originally Posted by AnnieK

Have you contacted the Council Vanessa?

Look around and see, if like Ammi said in your other thread, if any landlords are offering no deposit rentals.

How long do you have left on your current tenancy? Have you checked in the small print about if you end your tenancy early? I know you get Housing Benefit, will that increase if your rent is put up?

Research your options and see what works for you

If they don't increase the housing benefit il have to get rid of my home broadband.

[UserSince2005]

Originally Posted by Vanessa

I also own a house, but not in the UK.

Is it really worth living in the uk? I own abroad also. Will never live in the uk again I don’t think

[Gusto Brunt]

Originally Posted by Vanessa

I also own a house, but not in the UK.

I don't own any property.

[Cherie]

Originally Posted by Vanessa

I also own a house, but not in the UK.

Vanessa if you own a property in Italy have you thought about maybe getting a mortgage here in the UK using the property in Italy as collateral, even a little studio it would be your own? There are some 100% mortgages now and you could get at least a 25 year term, it would be yours to sell at any point....something to think about?

https://www.money.co.uk/mortgages/mo...s-for-over-50s

or maybe shared ownership

https://www.rightmove.co.uk/property...pes=&keywords=

[Cherie]

You would need no deposit with this Vanessa though you would need some money to buy a property to pay stamp duty and solicitors etc. Skipton's 100% mortgage is only available to first-time buyers who have paid their rent in full (and on time) for at least 12 months Skipton's 100% mortgage is a five-year fixed mortgage and works similarly to other fixed mortgage deals on the wider market, in that you are charged the same interest rate for a five-year period.
Skipton launches UK's first 100% no-deposit mortgage since 2008 …
http://www.moneysavingexpert.com/new...gage-compares/
http://www.moneysavingexpert.com/new...age-com…

[Vanessa]

I'm not moving until next year.
I want to sort out the flat first. There's a lot of stuff that the previous tenant has left behind. I'm going to throw it away.
I've seen some zero deposit flats. That sounds like exactly what I need!

[Cherie]

Originally Posted by Vanessa

I'm not moving until next year.
I want to sort out the flat first. There's a lot of stuff that the previous tenant has left behind. I'm going to throw it away.
I've seen some zero deposit flats. That sounds like exactly what I need!

It is but you will need to be quick, and dont forget all landlords are more or less the same at the moment the rent will go up every year so be careful you dont jump out of the pan into the fire

[Vanessa]

Originally Posted by Cherie

It is but you will need to be quick, and dont forget all landlords are more or less the same at the moment the rent will go up every year so be careful you dont jump out of the pan into the fire

Yes, that's true.

[parmnion]

Rent an underground shelter. You will need it soon.

And take Larry the unlucky lobster with you.

[Ammi]

…it’s good to be giving thought to it early, Vanessa and giving yourself time to explore what the options are… but a lot can also change in that time which impacts these things …I’m sure when your move time comes, you’ll have found the place you feel is right for you…

[Redrose]

I hate living in the UK. Poverty keeps you trapped on this island.

[Cherie]

https://www.msn.com/en-gb/money/home...e9e9a0de&ei=15

interesting article here Ness

[smudgie]

.

Private rental is so expensive, but I suppose the landlord will say they have to pay the mortgage.
Thankfully after years of renting my daughter is getting on the property ladder. Fingers crossed it all goes well, her mortgage will be lower than her rent, win win.

[Vanessa]

At least my housing benefit has gone up after I reported the increase. Much better now.

[Soldier Boy]

Renting looking to buy - at this point it's just a matter of the right house coming up (we don't want to leave the area, and essentially can't go far because I'd never force my daughter to switch schools). We're ready to buy though so as soon as the right place comes up, fingers crossed, we will be in it.

The rental and housing market in general is in a very scary place right now - it's not just high rents, we're currently in the position where if our landlord decided to sell up or something, there are no houses. There's NOTHING appropriate to rent for us. A few flats that are not big enough for a family of 4. And I don't mean too expensive, money isn't an issue... I mean they simply do not exist. When good rentals do come up, they have 70 - 100 applications. It's insane and only going to get worse both in terms of availability and pricing... the house price market is relatively stable at the moment but rents are not following suit - demand still outstrips supply, rents are going to continue going up and up.

Basically I feel very grateful to be in a position where we CAN buy ASAP... and will feel much more secure when we have. I think if you want housing security in 5 to 10 years time you need to own your property. It's scarily enough, pretty much that simple.

[Cherie]

Originally Posted by Soldier Boy

Renting looking to buy - at this point it's just a matter of the right house coming up (we don't want to leave the area, and essentially can't go far because I'd never force my daughter to switch schools). We're ready to buy though so as soon as the right place comes up, fingers crossed, we will be in it.

The rental and housing market in general is in a very scary place right now - it's not just high rents, we're currently in the position where if our landlord decided to sell up or something, there are no houses. There's NOTHING appropriate to rent for us. A few flats that are not big enough for a family of 4. And I don't mean too expensive, money isn't an issue... I mean they simply do not exist. When good rentals do come up, they have 70 - 100 applications. It's insane and only going to get worse both in terms of availability and pricing... the house price market is relatively stable at the moment but rents are not following suit - demand still outstrips supply, rents are going to continue going up and up.

Basically I feel very grateful to be in a position where we CAN buy ASAP... and will feel much more secure when we have. I think if you want housing security in 5 to 10 years time you need to own your property. It's scarily enough, pretty much that simple.

I think that has been the case for years now, not in 5 to 10 years time, I remember when we came to London first and we rented, being in a queue to rent a property and it wasn't even a very nice one, I am glad you are finally able to get on the property ladder, I can't imagine how unstable it is renting with kids

[Cherie]

Originally Posted by smudgie

.

Private rental is so expensive, but I suppose the landlord will say they have to pay the mortgage.
Thankfully after years of renting my daughter is getting on the property ladder. Fingers crossed it all goes well, her mortgage will be lower than her rent, win win.

and that should tell you what you need to know about rental prices, some landlords are greedy they are not just covering their mortgages and a bit for maintenance, many are taking an income as well.

My son rents the second bedroom in his house, he could put the rent up as he is renting for considerably under the going rate now but he likes his flatmate and as he is from India he gets the occasional authentic indian dinner

[Cherie]

Originally Posted by Vanessa

At least my housing benefit has gone up after I reported the increase. Much better now.

good news about your housing benefit

[Vanessa]

Originally Posted by Cherie

good news about your housing benefit

It's not much, but better than nothing. I could not pay the rent without it.
They've asked me about a bank account that has been closed for 10 years! I've been trying to get evidence that it's closed.
But it's harder to get it, because bank records don't go that far.

[Vanessa]

Originally Posted by Cherie

and that should tell you what you need to know about rental prices, some landlords are greedy they are not just covering their mortgages and a bit for maintenance, many are taking an income as well.

My son rents the second bedroom in his house, he could put the rent up as he is renting for considerably under the going rate now but he likes his flatmate and as he is from India he gets the occasional authentic indian dinner

I love the house and it's a great area. Really close to my workplace. It really feels like home. Don't want to move unless I have to.

[Gusto Brunt]

I'll be renting for the first time this summer.