I’ll try to be shortly
I’m living to the same address for 3 years and I’d like to change the house. The problem is that during this 3 years appeared my baby and I’ve stopped working. For one month I’ve started trading as self employed. The idea is that my bank statements for the year that I didn’t worked shows incomes for every month of 1300£,1500£. 2000£, 3000£.
Do you think there is any chance to be able to rent ? I’m open to pay even in advance some months. All the nice houses are through agencies.
Thank you in advance
It’s hard to say from what you’ve said. For example, what is the source of the income you mentioned for the time you were not working?
For self-employed most landlords will want to see three years business accounts, which I guess you don’t have, as you’ve only just started.
3 years? Omg Maybe exist other possibility …
Agencies choose who is easiest for them ,you need to put your case straight to a landlord ,but that is easier said than done . Anyone S/ employed needs 3 years accounts usually to get a mortgage
I’m super cautious who I allow to live at my properties, however I also use my own initiative. One guy approached me several years ago (it was my first ever rental - so I was extra worried/cautious). He was self employed. He’s British, had been living in Oz for a few years - then moved back a few months prior and had just started a gardening business. I was happy to hear him out - he had plenty of cash regularily coming in the bank and his family had a similar business that was still running (30+ years). I simply had a good feeling. So I asked to see his bank statements (I don’t usually do this, but with the circumstances and no filing of accounts or reliable income source, I of course had to be thorough). I did the usual credit checks to check for hidden demons and I proceeded with his mum as a guarantor. He’s still my tenant years later. He has OCD with cleaning so he’s an absolute dream for a landlord! I was a little worried about his gardening work drying up in winter but he’s always paid (touch wood!)
That was a long way around me basically saying this: Approaching a landlord directly can definitely get you what you want. Once we understand a situation and as long as there are no loop holes and there is 100% honesty, many of us will be happy to go on our gut feeling. But then there is the issue of being able to get hold of the landlord directly, so I appreciate that is easier said than done.
I hope you manage to find what you’re looking for. Good luck!