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Advice for tenants

When you are looking to rent a property you need to consider the following:

  • The condition of the property both inside and out. Are you happy with it and can you maintain it?
  • Check the location. Visit the property at different times of the day and night to see what levels of traffic are normal. Consider the neighbours, would you feel safe walking around the area?
  • Local amenities - is there everything you need in the area?

Useful advice when you’ve found the property you want

  1. Always make sure you get a written receipt for your deposit
  2. Make sure that you get a detailed inventory, if possible with photographs of the condition of the property (and its garden if there is one). Make sure it is dated, and that the landlord agrees it with you
  3. Make sure you get sight of a copy of the Gas Safety Certificate before you start the tenancy. DO NOT move in if there is not a Gas Safety Certificate. The landlord will beacting illegally. Defective gas appliances can kill
  4. If the landlord has agreed to carry out certain repairs, make sure you list these in writing and agree completion dates for the works. Agree with the landlord that you can do the work yourself and deduct the cost from future rent if the deadlines are substantially broken
  5. Make a note of the readings of gas, electric and water meters as you take the property
  6. If you have pets, make sure you get written permission from the landlord. It is quite normal for the landlord to require another 2 weeks deposit from you to cover damage to the property, as well as asking you to pay for 2 lots of flea treatment. One would be when you leave, and another 3 months later to deal with any larvae that hatch later
  7. Do not take on a property that appears to have damp. It may injure your health
  8. Be present at the check out with the landlord. The landlord is not allowed to then 'discover' other problems after the final check out
  9. Ask for Tenancy lease agreement (AST) that has a 'PLAIN ENGLISH' Crystal mark. This will mean that the agreement is written in a way you can understand
  10. It is a good idea to take out your own insurance to cover your belongings against theft and damage
 

 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. A FEE OF UP TO 3% MAY BE CHARGED ON COMPLETION OF YOUR MORTGAGE. TYPICALLY £1800 ON COMPLETION ONLY. NO MORTGAGE, NO FEE.

THE OVERALL COST FOR COMPARSION IS 6% APR (MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS)

NHS mortgage services & NHS property services are trading styles of Brinc Ltd which has partnered with First Choice  Finance to offer you an extensive range of mortgages and remortgages. First Choice Finance. Will consider all applications on an individual basis so even if you’ve had credit problems in the past they could still help you with a great mortgage deal and get you the money you need to mortgage your property and still have cash left to make renovations, take a holiday of a lifetime or make that special purchase!
First Choice Finance is a trading style of Termpart Limited of The Old Courtyard, 103 Buxton Road, High Lane, Stockport, Cheshire SK6 8DX. Consumer Credit License No 0255609. Company Registration Number 2316399. Financial Services Authorisation Number 302981.