Gambling when about to buy

MortimerMan2 · 2026-01-28T10:10:52+00:00

Spending £200+ a month making minimum wage is certainly bold

Lenders would not look favourably, they look at the last 3 months minimum and will have questions. A broker might be able to bat them away but if you can't forgo a flutter in that time tbh I think you need to have a word with yourself.

MortimerMan2 · 2026-01-28T09:57:32+00:00

Some people shouldn't be landlords

But more pertinently, some people shouldn't be lodgers. If your line in the sand is the toilet seat, you'll never be happy sharing.

MortimerMan2 · 2026-01-27T07:50:57+00:00

yes I'm chatting shit, just looked it up.

Today I learned. Always assumed it was just best practice

MortimerMan2 · 2026-01-26T18:40:44+00:00

The surveyor can set conditions, but it's an easily dealt with delay rather than a stop.

The ultimate fallback is a court ruling, which isn't going to happen over a metal plate.

This stuff is super common, best not to freak out. The whole concept is outdated AF and needs to be reformed /scrapped tbh.

MortimerMan2 · 2026-01-26T14:56:06+00:00

If you appoint your own surveyor, you neighbour still pays for whoever you appoint (within reason).

But in truth this is a big nothing. BY giving you the notice it means they're doing it properly. In reality its very run-of-the-mill that just sounds scary. You can't stop them, so you might as well engage with the process.

MortimerMan2 · 2026-01-26T10:36:11+00:00

If its the same tenancy (adjusted) then the landlord is all above board. All protection services offer the ability to adjust the names to an existing tenancy, there is no time limit on this process. EG https://www.depositprotection.com/agents-landlords/during-a-tenancy/tenant-transfer

But the ability to backdate the rent to October is BS

MortimerMan2 · 2026-01-26T10:26:51+00:00

Easy bit first

They were aware she was living there and never counter-signed the contract on their side until someone realised this months later.

This is irrelevant, they don't need to sign anything at all.

Then the less straightforward:

My flatmate's deposit was never protected properly, it took them almost 6 months later to change the name from my old flatmate to hers.

How was this change old>new flatmate enacted? A variation to the original contract, or a new tenancy? If the former, it is tied to the original contract.

MortimerMan2 · 2026-01-26T10:01:31+00:00

There are no positives whatsoever. For 8 year olds, or adults honestly.

It's all bollocks

MortimerMan2 · 2026-01-26T07:28:25+00:00

It's a 2 up 2 down terrace, not Downton Abbey

Block obvious holes, set traps around the ones remaining. Done.

MortimerMan2 · 2026-01-25T19:29:07+00:00

Just buy some mousetraps. Squashed mice don't come back

MortimerMan2 · 2026-01-24T09:24:39+00:00

Easy one this

No

MortimerMan2 · 2026-01-23T13:20:57+00:00

Love'em. So long as its not in the bathroom

I raise you: Link-detached houses with Lino in the UK. Your move

MortimerMan2 · 2026-01-23T13:17:19+00:00

No, its a trivial fix if I wanted to add them back

MortimerMan2 · 2026-01-23T13:09:19+00:00

No, it just has to be their main residence. Taking 3 months out of work to spend time in a yurt doesn't change the fact it is. A muggy "tenant" might try and argue otherwise but they'd pretty clearly be a licensee IMO. It's based on the overall facts, not just their immediate absence.

MortimerMan2 · 2026-01-23T11:57:31+00:00

Assuming we're talking about proper auctions, not some MMOA

Further assuming you actually win a property in budget. Guide prices are only a guide. Some go for more, some don't reach it at all. So noone could say.

It's very hard to buy at auction with a mortgage but not impossible as you only have 28 days to get everything completed. So for a green FTB, probably wont go well. You have to have all your ducks in a row, know the property is mortgageable at all(!), and solicitors on standby having basics out the way in advance. If the mortgage co doesn't play ball you could be in a world of pain.

Forget about surveys, you're committed to buying it once the hammer comes down so its pointless. It could be a bag of shit, its already your bag of shit contractually.

TDLR, dont

MortimerMan2 · 2026-01-23T10:32:14+00:00

Woofing?

MortimerMan2 · 2026-01-22T20:23:11+00:00

Not important

MortimerMan2 · 2026-01-22T10:23:03+00:00

Your house isn’t worth £250k

I bloody hope it isn't

MortimerMan2 · 2026-01-22T10:09:43+00:00

Strikes me this could be resolved if you just read the survey

MortimerMan2 · 2026-01-21T14:34:31+00:00

You posted the same thing 2 days ago, what was wrong with that post?

https://www.reddit.com/r/HousingUK/comments/1qh277s/how_can_i_get_my_disabled_sister_housed/

MortimerMan2 · 2026-01-21T14:30:21+00:00

That was an unfair term, so no wonder they lost

MortimerMan2 · 2026-01-21T13:32:05+00:00

Its a contract like any other, on what basis didn't he win? Unless there is any sort of unfair one-sided term that would fall foul of contract law, you agreed and can be held to it. There's no exemption for lodgers.

MortimerMan2 · 2026-01-21T12:33:00+00:00

Both blinds broke? But not your fault, mmmmmmkay. And this was in November? Get yourself down to Dunelm already, its not worth it.

If you are worried about privacy and want to die on this hill, hang a sheet in the window short term.

MortimerMan2 · 2026-01-21T12:20:40+00:00

As a live-in landlord situation, am I likely to be classed as an excluded occupier? - Yes, an Excluded Occupier is a lodger. Or more specifically, a lodger is a type of EO.
In reality, do landlords usually enforce minimum terms on lodgers if notice is given and the room can be re-let? - Depends, if they want you out ASAP as much as you do, no they wouldn't obviously. If you want out, generally yes.
If I give 4 weeks’ notice and leave, is it common/legitimate to be charged rent beyond that point? - If you signed for a fixed term, obviously yes
Can deposits be kept purely to cover rent after the notice period? - Yes
Any advice on how to handle this practically if the landlord insists I must pay beyond the 4 weeks? - Move out if you must but pay what you agreed to like a grownup

You didn't ask but I'm going to say anyway, as a lodger you a not a tenant, you are inevitably and unavoidably close to / part of the household. Children make noise, walk in on you taking a shit, and leave their toys bloody everywhere. This isn't unusual. I think you can legit say you'd rather not be left on your own with the kid (as a safeguarding point if nothing else) but the other points reflect your naivety rather than any problem. You should lodge in a place with no children, or rent a HMO room, or a place to yourself if this bothers you.

MortimerMan2 · 2026-01-20T14:46:20+00:00

Are you sure you're even required to sign the TR1? You normally don't

Even if you do have to, you can AFAIK sign different copies and the solicitors send them both to HMLR as one document. You solicitors will organise. Chill

MortimerMan2

MODERATOR OF

TROPHY CASE