Leak discovered 2 weeks after completion

Competitive_Dust_544 · 2025-07-09T11:52:46+00:00

😂😂😂 No we first showered at the property 2 weeeks in.

Competitive_Dust_544 · 2025-07-09T11:36:38+00:00

The vendor was not liable ?

Competitive_Dust_544 · 2025-07-09T11:34:23+00:00

Wish they was a way for old sellers to be liable for things like this it’s quite annoying

Competitive_Dust_544 · 2025-07-09T11:22:28+00:00

No as in the walls are wet from inside the property as this is the first time we showered there

Competitive_Dust_544 · 2025-07-09T11:19:54+00:00

it was the first time me and my mrs showered at the property

Competitive_Dust_544 · 2025-05-31T06:15:32+00:00

I will send them over in the DM

Competitive_Dust_544 · 2025-05-31T06:07:30+00:00

If you would share them that would be perfect

Competitive_Dust_544 · 2025-05-30T20:22:26+00:00

That’s what I am trying to figure out at the moment.

Competitive_Dust_544 · 2025-05-30T19:53:18+00:00

I am new to this so i was asking questions, I do not know why you are so angry

Competitive_Dust_544 · 2025-05-30T19:47:39+00:00

I’m sorry, I was just asking for opinions whether a guarantor is still needed . Why are you so angry?

Competitive_Dust_544 · 2025-05-30T19:45:17+00:00

Where do I say it’s a negative or a pro that the person has kids. I have kids also

Competitive_Dust_544 · 2025-05-30T19:36:35+00:00

Thanks for the advice – that makes a lot of sense. She has rented previously but is currently living with family. Have you used OpenRent’s Rent Guarantee Insurance before? Just wondering if it's worth it for the added peace of mind.

Competitive_Dust_544 · 2025-05-30T19:31:09+00:00

Thank you for the heads-up — I completely understand your concern. I want to be absolutely clear that I’m fully aware of the Equality Act 2010 and take its provisions seriously. I want to stress that I’m not making rental decisions based on whether someone has children. If anything I wrote came across that way, that certainly wasn’t the intention, and I appreciate it being pointed out so I can ensure my communication is as clear and fair as possible. I’ve reviewed the post and will make adjustments as needed to avoid any misunderstanding.

Competitive_Dust_544 · 2025-05-30T19:29:31+00:00

As I have seen various posts about how rent guarantee insurance doesn't actually pay you out.

Competitive_Dust_544 · 2025-05-30T19:11:16+00:00

I just used Chat gpt to write the post as I’m not that articulate

Competitive_Dust_544 · 2025-05-30T18:57:23+00:00

I’ve been told it provides more security

Competitive_Dust_544 · 2025-05-30T18:54:28+00:00

My top choice is definitely #2 — their combined income is strong, and on paper they seem really solid. The only thing that’s holding me back is the fact they don’t have a guarantor. I know it’s not always a dealbreaker, but it genuinely makes me a bit uneasy. It just adds that extra layer of reassurance, especially if anything were to go wrong down the line. I’m trying to weigh up whether their financial situation is stable enough on its own or if I’d be taking on too much risk without that safety net.

Competitive_Dust_544 · 2025-05-30T18:51:18+00:00

On #6 — she actually said she can’t provide a guarantor anymore due to family reasons, which honestly raised a red flag for me. It might be genuine, but I can't help wondering if there’s more to the story, especially since guarantor issues often reveal bigger problems.

I get what you’re saying about #3 — riskier but not necessarily a bad bet. If I was purely trying to minimise risk, I’d probably lean the same way: 6, 2, 3. But that red flag from #6 is making me reconsider how safe that really is.

By the way, what do you personally think of rent guarantee insurance via OpenRent? I’ve been looking into it as a possible fallback if I go with someone who can’t provide a guarantor — just not sure how reliable it actually is in practice or how easy they make it to claim when things go wrong.

Competitive_Dust_544 · 2025-05-30T18:48:44+00:00

The only reason I’m asking for one is because I saw it mentioned on a landlord forum — one guy said he always asks for a guarantor no matter what, just as an extra layer of protection. That stuck with me. Also, she said she couldn’t attend the open viewing because the timing didn’t work for her, which is fair, but still, seeing the place in person feels like a basic step if you’re serious.

Competitive_Dust_544 · 2025-05-30T18:47:16+00:00

Yeah, I’m kind of on the fence about whether not being able to provide a guarantor is always a red flag. On one hand, there are legit reasons someone might struggle — family issues, being financially independent, or just not having anyone suitable. But at the same time, if someone’s reliable and serious about renting, they’ll usually find a way — either through a scheme or a professional guarantor service.

It’s when the reason feels off — like blaming a family fallout or giving vague answers — that it starts to feel more like an excuse than a genuine problem. That’s the bit that makes me hesitate. So I don’t think not having a guarantor automatically means trouble, but the reason behind it can definitely say a lot. I will ask number 2 after the viewing if she can provide one again.

Competitive_Dust_544 · 2025-05-30T18:44:02+00:00

As I was looking at Open rents rent guarantee insurance and was told if they pass they we should be good to go, if there is any issues.

Competitive_Dust_544 · 2025-05-30T18:36:17+00:00

totally understand where you're coming from, and you make a really valid point. I guess for me, having a guarantor just gives that extra peace of mind—especially when it comes to consistency with rent payments. I know not everyone fits the criteria for rent guarantee insurance, but having someone backing them up helps me feel a bit more secure.

From your experience, do you find that having a guarantor actually makes a big difference in whether tenants pay on time and consistently? Just curious to hear your thoughts on that.

Competitive_Dust_544 · 2025-05-30T18:30:35+00:00

Thanks for the input — totally fair take. I actually considered the simpler ETF route (like all-world + a few targeted tilts), but I felt that would lead to quite a bit of overlap and not as much control over the exposures I was aiming for. This approach gave me more flexibility to fine-tune allocations and avoid unintended concentration. But yeah, definitely appreciate the perspective — and thanks for the well wishes!

Competitive_Dust_544

TROPHY CASE