youngblonde

What Is The Best Way Of Me Getting A Flat As Im Really Struggling And Could Use Some Help.

25 posts in this topic

i've been a working girl for 5 years now since i was 18... i love my job and would never want to change it... the problem is i have been working and living out of hotels for years now im having problems getting a flat or somewhere permanent to live. as i have no money going in and out of my bank account.. not the worlds best credit rating(which im working on).. and no proof of employment. its really starting to get me down. does anyone have any advice on what i can do... i can afford to live in a pretty nice london flat for the amount im paying in these hotels.

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Hi,

As you probably know almost any type of loan/mortgage/rental arrangement is going to involve a credit check. Mortgages are going to be out of the question as you have no real proof of income so you'll really be looking at renting. If you have a poor credit rating it's unlikely a landlord is going to enter into an agreement with you unless you have someone who could act as your guarantor. Some but not all Landlords will consider this and it will usually involve the guarantor being credit checked and providing evidence that they can cover the cost of the rent if you default.

Best advice is to find someone who can and is prepared to act as your guarantor. Good luck :)

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i've been a working girl for 5 years now since i was 18... i love my job and would never want to change it... the problem is i have been working and living out of hotels for years now im having problems getting a flat or somewhere permanent to live. as i have no money going in and out of my bank account.. not the worlds best credit rating(which im working on).. and no proof of employment. its really starting to get me down. does anyone have any advice on what i can do... i can afford to live in a pretty nice london flat for the amount im paying in these hotels.

Therein lies the problem, firstly it is very brave of you to admit publicly that you are not registered to pay tax!

I think your main hope is a guarantor, someone that is willing to have a credit check done on your behalf and sign papers to say they will pick up the tab if you leave the place in a mess and owe monies on rent/bills etc.... good luck with that one! Or possibly you could offer to pay for 6 months rent up front as well as take out insurance against not being able to pay rent, I seem to remember somewhere there is a company that offers this, you will have to google.

I suggest you register as self employed and start getting some monies in and out of your bank account, that will help you with your credit rating in the long run also, here is a very very helpful guide into getting started: http://www.taxrelief4escorts.co.uk/ (Does this still work?? I just got an error message)

S x

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Assuming you have the cash to hand, you could always offer to pay the deposit & first 6 months rent in advance, in cash. This probably won't work at a major estate agency chain, but it might well work at a smaller agent or direct with the landlord, and if you try enough of them I'm sure you'll find one that will take such an offer. You'd also need to agree that after the first 6 months you could stay there if you wanted, ie they couldn't kick you out because you've not got much of a credit rating or banking history.

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i cant seem to get that website working... that you linked xxx

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I Have rented in the past and found if you can get a private landlord then these are best to deal with

Be prepared turn up with photo copies of passport, driving licence and a utillity bill of some sort bank statements are ok then make sure you have at least the first months rent and deposit in cash in my experience most people are swayed at the thought of cash right there and then

the easier YOU make it for the landlord in terms of id already photocopied for him ( but obviously show them the orginal )the easier it is for you as they dont have to do the work ect

If they want to know why you dont have references could say you have been abroad working as rep /working in bar ect so no work references

if you need payslips just go on line and google wage slips for 30 quid you can have 3 sets of professional wages slips made up in your name with ni number on and all the correct tax code ect you put in the amount you want ie 30 granb 20 grand and they do the correct tax code /week deductions for you

or google mr bateman wage slips bristol - i have used this in the past for wage slips ect to get a flat when i rented

you could probably do them yourself if you have a pc /printer ect

Ffailing that if you are going the agency way most will accept 6months rent in advance in order to get in but if the flat is not suitable /or your sussed that a lot of money to lose

but the credit score that agency use is generally basic ie checking that your on the electrol roll and that you have no ccj against you ( not one percent sure about this but from memory i think this is right)

also with agencies - you normally have to leave a deposit sometime 100 -200 to take the flat off the books for a few days but this is also depenedent on the credit check going through so if you pay this and it dont go through you may find you wont get your moneny back

with regards to money going in out of your bank account just get a couple of hundred pounds and take it out /inn each week ( same money i did this years ago to build up my credit rating along with a few small direct debits the most might not work any more but it did several years ago - important thing though is to be on the electrol roll and try to avoid any ccj

i've been a working girl for 5 years now since i was 18... i love my job and would never want to change it... the problem is i have been working and living out of hotels for years now im having problems getting a flat or somewhere permanent to live. as i have no money going in and out of my bank account.. not the worlds best credit rating(which im working on).. and no proof of employment. its really starting to get me down. does anyone have any advice on what i can do... i can afford to live in a pretty nice london flat for the amount im paying in these hotels.

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One possible option you have with some letting agents, is to save up enough money that you can state you can plausibly pay for the rent out of your own savings. I am in the fortunate position of having quite a lot of money in the bank, and have been doing this. Different letting agencies have different rules, but you could make enquiries. Ultimately, there are no rules regarding letting apartments, you just have to convince the landlord that (s)he should rent to you. Everything is negotiable. The fact is that in the current climate, there should be loads of desperate buy-to-let landlords out there, and it's all about getting your foot in the door. Once you've proved to them that you're capable of paying the rent for six months, then they won't be kicking you out in a hurry, believe me.

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Private landlords is the best best, gumtree, newspapers etc..as long as you turn up smart have the deposit money and ID shouldnt be an issue

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Go to your local authority and tell them you're an asylum seeker, sorted.

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The concern of the landlord/letting agent would be your inability to pay the rent.

A few year ago I had to rent a house at short notice, and couldn't wait for credit references etc. to go through.

What I suggested to the letting agent was I paid for 6 months up front plus the deposit.

This was accepted. Although I didn't continue renting the property after that, I would think they would be happy to receive monthly payment after that.

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Have pm'd you a few tips I use. x

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i've been a working girl for 5 years now since i was 18... i love my job and would never want to change it... the problem is i have been working and living out of hotels for years now im having problems getting a flat or somewhere permanent to live. as i have no money going in and out of my bank account.. not the worlds best credit rating(which im working on).. and no proof of employment. its really starting to get me down. does anyone have any advice on what i can do... i can afford to live in a pretty nice london flat for the amount im paying in these hotels.

I've had to pay 6-months upfront for the last 2 places that I've rented (and then monthly thereafter). I'm in a similar position, self-employed but without 3 years' of accounts to back me up. It's ridiculous.

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Young blonde

So you have been working as an escort for 5 years and are now early twenties and if this is your sole income and not registered as self employed, not on benefits ( if you are then shame on you ) you must be in the system somewhere? as what?

Do you have a bona fide job elsewhere which pays you a wage or salary?

Something just not making much sense here.

Would you mind explaining your situation more clearly and then perhaps you will be given sound advice on the questions

you pose.

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i've been a working girl for 5 years now since i was 18... i love my job and would never want to change it... the problem is i have been working and living out of hotels for years now im having problems getting a flat or somewhere permanent to live. as i have no money going in and out of my bank account.. not the worlds best credit rating(which im working on).. and no proof of employment. its really starting to get me down. does anyone have any advice on what i can do... i can afford to live in a pretty nice london flat for the amount im paying in these hotels.

I, like some other posters, would infer from your post that now and for the last 5 years you have avoided paying tax. I would suggest that if you really do love your job and would never want to change it then you are walking a very dangerous line to continue in the way you do at present! But as to the advice you have been offered, I would at the very least ignore that which suggests you make fraudulent claims of wages – no point in compounding a felony!

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Young Blonde you need to go legit. You need to hook up with your local tax office amd get proper advice about being self employed. It's not as scary as you may think.

You may hit lucky with a private landlord who is willing to accept 6 months rent up front but ..... if you are in central London and you can afford to pay 6 months rent up front good luck .

I know escorts who are paying £2k a month plus bills for a studio in London. The studio usually means a bed up one end of a room, a cooker and sink jammed in and a folding door that takes you to the toilet with a shower overhead. Pee and shower at the same time

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Young Blonde you need to go legit. You need to hook up with your local tax office amd get proper advice about being self employed. It's not as scary as you may think.

You may hit lucky with a private landlord who is willing to accept 6 months rent up front but ..... if you are in central London and you can afford to pay 6 months rent up front good luck .

I know escorts who are paying £2k a month plus bills for a studio in London. The studio usually means a bed up one end of a room, a cooker and sink jammed in and a folding door that takes you to the toilet with a shower overhead. Pee and shower at the same time

You need to befriend someone, who will take the flat in her name while you use it. You both can take flats as neighbours, landlord will not mind if it is registered on some one who is legal. You can just stay there as her friend. Will this work? depends on how you can sedude someone to rent a flat in his/her name and give it to you to stay.

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i was just doing this part time for years but the last 2 years its been my full time job. i didn't even know you pay tax on money i earn tbh. i have made a phone call and i am going to arrange that asap. and NO i do not claim benefits never have done never will.

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You're talking about renting yeh? Loads of people rent out flats privately not through agencies, so you could just use a bit of finesse about your job and pay them cash each month.

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Or if necessary, find a service that can write you a cheque for a commission.

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i didn't even know you pay tax on money i earn tbh.

I tried that one once.

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Living out of hotels for several years must be strange. Very strange indeed.

:unsure:

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i was just doing this part time for years but the last 2 years its been my full time job. i didn't even know you pay tax on money i earn tbh. i have made a phone call and i am going to arrange that asap. and NO i do not claim benefits never have done never will.

That is very naive to say the least!

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Sometimes people advertise flats over on the other site, you could also think about a flat share that sometimes works.

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Living out of hotels for several years must be strange. Very strange indeed.

:unsure:

Yes it must be... I used to travel almost every week for business and would spend 5 days a week in a hotel. At least I got to come home for 2 days a week.

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I wouldn't believe everything you read here. I've been a landlord in London, I've also helped several girlfriends find a place to rent over the years. You don't need to pay 6 months rent in advance, and I'd advise you not to offer more than the usual 1 month in advance + 1 month deposit - maybe up your offer to 6 weeks or 2 months deposit if you're feeling pressurised.

The reference check is a complete farce, because anyone can get their mate to write them a reference. It's a way for the agent to make more fees off you by charging a fee for the reference check - so the agent will press you for references and make out it's really important. Key point for you to realise is that the landlord isn't too interested in the references etc, he just wants to find a tenant quickly so the flat is not vacant for too long. So if references are a problem for you, a good strategy is to keep stalling the agent, visit the flat a couple of times so they know you definitely like it, and try to get to meet the landlord in person. If the landlord likes you then you're in, and the landlord can just tell the agent to forget about references.

But don't lie and say you have an employer, payslips etc if you don't. Just say you are self-employed. They can't exactly refuse to rent a flat to a self-employed person. If they want a bank reference, tell them your bank's policy is not to provide references.

Once the tenancy starts, you can pay rent in cash each month easily enough, get the landlord's account details and then you can walk into any High Street bank and pay cash into that account, give the property address as the reference. So long as the cash is below the money-laundering threshold (which is a few thousand quid) they won't be surprised or ask you any questions.

Edited by BeautySeeker

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