Will Leyland, 20 August 2021
Often, when we have clients approach us about a property they’re interested in, or if they’re just starting their search, they have a number of questions about the application process.
We’ve noticed more and more first-time renters or people looking to get into the rental market now that restrictions have been lifted post-pandemic, and so we’re looking to answer some of your most common questions.
We’ve put together a short list of the 4 most common questions we get asked about the rental application process!
A poor credit history is subjective, and really depends on what the landlord or agent are looking for. Defaults, late payments and the things that would normally derail a mortgage application aren’t quite the same when it comes to a rental application.
Yes, there will be a credit search performed, however, CCJ’s and other adverse credit events won’t necessarily see your application rejected.
In fact, what most applications require is confirmation of your identity, address, and income. Most landlords and agents will know that most renters don’t have an immaculate credit history, so don’t stress this one too much.
If you’re a first-time renter, or you’ve had issues with a previous landlord, this is something you can overcome.
If, for example, you were evicted from your last property due to financial difficulty, then this is something you need to be open and honest about and simply explain on your application.
If, however, your previous landlord is being difficult due to a dispute or personal reasons, then this can be overcome either by providing banking records of paying your rent on time or providing a personal reference from an employer or family friend who is in good professional standing.
Similarly, if you’re a first-time renter than you’ll likely be asked to provide a character reference.
Not necessarily, all a landlord or agent are usually concerned with is whether you’re able to cover the rent and bills.
If you’re applying for a property that’s likely to stretch you beyond your financial limits, then don’t be surprised to be advised to think again.
Secondly, if you’re considering living with somebody else, it’s usually helpful to put a joint application in, as your joint income will likely be considered more than sufficient to cover the rent and bills.
Yes, the most important aspect of any application and subsequent relationship with a landlord or agent is honesty.
Beyond that, attitudes towards pet ownership in rental properties have massively changed, even in just a few years.
It always pays to be honest, and if you’re not successful in your application, just speak to the agent in question, or a reputable local estate agent like ourselves, and we can help you to find pet friendly properties where your pets won’t be an issue.
Now, if you’re feeling confident about the rental application process and are interested in finding a new home, get in touch with us today and we will do everything we can to find the perfect place for you!
Will Leyland, 20 August 2021