HOW TO PERSONALISE A RENTED PROPERTY
Current statistics suggest that in years to come, renting is only going to become more popular – that doesn’t mean we have to resign ourselves to a life of off-whites. We take a look at ways to give your rented space some personality and style without breaching your tenancy agreement.
In a pale colour scheme, a green leaf can really pack a punch. Although often assumed quite complex to grow, an orchid will give your home an elegant touch of colour. For the less green-fingered tenant, an Areca Palm is a full and vibrant green that gives a tropical feel and will grow big enough to be a focal point. Spider plants could be another good option for those with a tendency to kill off their plants. Whatever you choose, plants will really soften a room.
So many interior design schemes now feature exotic locations, it is easy to pick up some colourful crockery. Give your table a hint of the far east with coppers and include some Moorish accents with mosaic tiled patterns. Or, step back in time with vintage tearoom style. In particular, larger serving bowls and platters can be left as permanent table displays, or you can display them in a dresser for added personality.
Colourful, unique and personal, art can transform a room. Choosing a large canvas will draw the eye and be all the more stunning for the pale-coloured walls around it. Larger works will save you making too many holes in the walls which you need to fill later, but if you prefer a collection of smaller images you could opt for a large frame with space for lots of images to give a collage feel.
Make a room feel bigger and brighter with the addition of a mirror which bounces light and space around a room. You can go for something ornate or very simple, depending on whether you want some artwork or a more functional mirror. Think about different shapes too; a convex, port-hole style mirror could be ideal in a small toilet to give the illusion of space while adding a nautical theme. Alternatively, a large rectangular mirror resting on the floor and tilting upwards will give the room a greater sense of depth.
5. Wall hangings
Using fabric to cover a wall is a great way to express yourself; you can create a feature wall which only requires a curtain rail. Hang some material behind your bed to give a dramatic, sumptuous feel for minimal cost and effort. Pop into your local haberdashery to peruse the colourful fabrics. Not only is this a relatively cheap option (dependent upon the fabric you choose, the size of your wall or the proportion of wall you want to cover), but it is also easily changed, unlike wallpaper or paint. You can change your style according to the season or even your mood.
Like this post? Read more about the rental market here.
Beige, bland carpets can be the backdrop to some spectacular floor art: welcome the rug. From spiced Moroccan coloured runners to a faux fur rug, a well-placed mat can give your home bags of personality. What is great about this is that you are able to keep your other items fairly neutral, making them perfect for taking to your new home which may be very different.
From cushions to bedding, carefully picking patterns and colours for your textiles will convey a homely, loved feel – which makes a huge great difference to rented space. Play with different textures and materials in complimentary colours for a layered, expensive look.
Think outside the box and add tiles for a quirky feel. While you are likely to have a splashback in your kitchen already, resting some bold impactful tiles behind the cooker will inject colour. The bathroom is another good place to try this; if you have a shelf or a window sill, rest a few tiles on it. They will seem in keeping with these rooms in particular, even though you are using them more like pieces of art. Don’t be afraid to choose different types of tiles; a mismatched pattern with a recurring colour scheme will make for an eclectic space.
Add a freestanding lamp to your living room to create an expensive and tailored look. You can make a reading nook with a low-hanging lamp over a comfy chair, or perhaps light up an alcove with an uplighter to showcase features. Table lamps will also help to style your home, whether they are on your bedside table or in the hall; the right lamp is always a feature. If it’s feasible, a statement chandelier could give a room real drama.
This is perhaps one of the most obvious ways to make a space your own. If you are in an unfurnished property though, it may be that you have bought a collection of cost-effective furniture which could be a little bland. A way to avoid a white-washed room or a pine frenzy, is to choose one item which is unique and turn it into a feature. Charity shops could be a fantastic source for something which is still relatively cheap, yet totally different to the rest of your items. Don’t be afraid to sand furniture down and get the paint brush either!
GOOD TENANTS, BAD TENANTS… AND AMATEUR LANDLORDS
A recent report by a leading Insurance Company claims that one in seven tenants break the rules of their leasing agreements.
The most common offences include a failure to pay rent on time, smoking and keeping a pet; but perhaps of even more concern is that it is claimed that one in eleven (or almost 10%) of renters are living contract-free.
25% Failing to pay rent on time (or at all)
21% Smoking in the property
18% Keeping a pet in the property
17% Damaging or making alterations to the premises
16% Changing the locks
14% Caused disturbances or a nuisance to neighbouring properties
14% Sublet a room without notifying the landlord
13% Failed to clean accessible windows
12% Redecorated without permission
10% Failed to check smoke or carbon monoxide alarm
The most common sanctions for breaking tenancy rules include losing some or all of the deposit (52%), followed by having to pay for any damages (22%) and in some extreme cases, tenant evictions (4%). However, more than one in five (21%) tenants say that the landlord never found out about their misdemeanours.
This lack of transparency can hurt both the landlord and the tenant. The renter risks exploitation and even summary eviction if they do not have a binding agreement to protect them, whilst the landlord is exposed to potential misuse of the property and possibly even a sitting tenant who can’t easily be removed.
In a professional world, the tenant’s behaviour is defined and bound by their contract, and a good landlord will actively manage and nurture the relationship to protect their investment.
Any failures for both sides to act responsibly can be very expensive; for example, a separate report published last week highlighted the risks taken by landlords who don’t properly deal with repairs requests by inhibiting the ability to serve a section 21 notice.
So what should landlords (or their letting agents) do as a minimum? A few simple rules may help:
Ensure that this is appropriate, signed and dated. Writing your own contract will save some money, but may miss out important aspects – it is best to get proper advice, or employ a solicitor or letting agent to assist.
If you inspect as opposed to expect, it is much more likely that the tenant will follow the rules. Always ensure that you give the tenant fair warning of your intentions to visit the premises so as not to breach their right to privacy.
There are increasing legal requirements on both landlords and tenants, and ignorance will not be a suitable defence if something goes wrong!
Respond in a Timely Manner:
Living with broken or poorly working appliances can be very frustrating, particularly when the tenant is paying significant rent. How long would you put up with a hotel room where the lights or plumbing does not work? Therefore, you should deal as quickly as you can with requests from tenants for repairs and improvements, even if the answer is ‘no’.
Legal disputes can quickly get expensive, so the ability to discuss any issues openly and rationally may reduce the stress and potential cost. Remember that very few tenants set out to get themselves evicted.
See Both Sides:
You need to think of the property as a business investment and not as your home. Your tenants may have a different lifestyle and tastes to you, and are paying in hard cash for the right (with few guarantees and little or no financial return) of borrowing your property; also, don’t forget finding new tenants can be expensive so you may want to bend occasionally over the small stuff.
With average yields now at about 5% across the UK, taking the time to find a good tenant and looking after them properly (avoiding constant personnel changes and voids) may be the best investment you can make in your rental property.
Also, the legal requirements in relation to letting are now so onerous that having a professional manage your rental affairs might be the best solution in the medium term.
HOW TO SURVIVE THE RENTAL MARKET
An increasing number of people are now renting rather than buying. In fact, PwC has recently predicted that by 2025, 7.2m households will be in rented accommodation, compared to 5.4m in 2015.
With rising house prices, first-time buyers are renting for longer in order to afford. But the rental market can also be a challenge. As with most things, it’s much easier once you’re prepared, so here’s an overview of what you can expect so you can sail through the rental market.
Many of us choose to go into flatshares when renting. They’re often cheaper and they’re a great way of making new friends. But they can be a challenge, especially if you’re not the biggest fan of the person in the next room. So how can you be sure that you’ve landed on a good selection of housemates before you start renting? First things first – always meet them before you sign the contract. This seems obvious, but you’d be surprised how many people move in without any idea of who they’ll be living with.
Although there’s no definite way of being sure what they’re actually like to live with, there are a few things you can look out for when you meet them. Firstly, don’t be afraid to ask questions; go beyond what they do for a living, and ask what they do for fun, how often they’re in the house, and if they socialise together. All of this will add to the general atmosphere in the property. Secondly, take note of how well the house is being looked after when you visit for a viewing. If the bin is overflowing and there are dirty pots on the stove, it might not be for you if you like things to be clean and tidy. Finally, discuss how bills are split and paid. This will give you a good indicator of how organised your potential housemates are, and you can iron out any problems before signing for the property.
Finding the property
One of the best things about renting is that it’s temporary. Although this can feel like a downside, it does mean that you don’t need to think too far into the future and can find a property that suits your current lifestyle. To find a good rental property for you, make a list of all the things you require for your lifestyle and search for a property that fits the bill. And remember to prioritise; it’s unlikely that you’ll find the ideal property, so think about what is a must and what you can compromise on.
Securing the property
The rental market moves extremely fast, so it’s important to be proactive in your search. Set aside time when you’re available for viewings and ask the lettings agent to take you to a few properties during each appointment so you can compare them easily. When you find a suitable property, be prepared to move quickly and put in an offer on the day or the next day.
It’s also a good idea to be prepared well in advance for the next few steps. Make sure you have funds for your deposit and references ready so the next part of the process runs smoothly. Informing the lettings agent that you have these available will put you in a strong position for securing the property.
It’s now a legal requirement that all lettings agents display their fees on the websites and in their offices. Sometimes, you also have to pay a holding fee to secure the property. Make sure you have a look at the fees before going on viewings so you know how much you will have to pay.
A rental deposit covers your landlord should you miss any rent or damage their property. They are typically between four weeks and eight weeks rent, but check this in advance so you can save the money.
It is a legal requirement that your deposit is put into a deposit protection scheme, so always check this before signing any contracts.
When it comes to getting your deposit back, it’s a case of looking after the property while you’re a tenant and reporting any problems. Check the inventory when you first move in and add any existing damage that you notice, making sure it is confirmed by the landlord. Take photos when you first move in and when you leave so you have proof of any previous damage to avoid being penalised. If the property is furnished, remember to take photos of what is present when you first move in and when you leave. All of this should be recorded on the inventory, so check everything is present and correct. For more advice on getting your deposit back, please click here.
Tenants can get home contents insurance to cover the cost of their belongings under unforeseen circumstances. Most tenants won’t need to worry about buildings insurance as this should be covered by the landlord, but check this before signing for the property. You can get home contents insurance if you’re renting a shared property, but find out from the insurer exactly what you need to do to ensure you are covered.
WHAT IS RIGHT TO RENT?
As of the 1st February 2016, no tenancy can legally commence until the right to rent has been established. But what exactly is right to rent? Here is a very brief overview.
Before a property is legally rented, all landlords have to confirm that the tenants have the right to rent residential property in the UK. And, under Section 22 of the Immigration Act 2014, landlords should not authorise an adult to occupy a rented property unless the adult is a British Citizen, is a European Economic Area citizen, or Swiss National, or has a Right to Rent in the UK.
Who needs to be checked?
Landlords or the lettings agent must check that a tenant or lodger can legally rent the residential property in England.
Before the start of a new tenancy, they must make checks for all tenants aged 18 and over, even if:
• they’re not named on the tenancy agreement
• there’s no tenancy agreement
• the tenancy agreement isn’t in writing
All new tenants must be checked.
If the tenant is only allowed to stay in the UK for a limited time, the check needs to be undertaken in the 28 days before the start of the tenancy.
Some types of accommodation are excluded from these checks. Click here to view these types. There is no need to check tenants in some types of accommodation (e.g. social housing and care homes).
How will tenants be checked?
All landlords and lettings agents have to check original documents to make sure a tenant has the right to rent in the UK.
What will happen if a tenant fails to pass the checks?
If a tenant fails to pass the checks, the landlord or letting agent cannot legally allow the tenant to rent the property.
Landlords and lettings agents must make further checks on their tenants to make sure they can still rent property in the UK, if their permission to stay is time limited.
If tenants fail to pass the further checks, they may be evicted from the properties.
What could happen to landlords if they fail to comply?
Landlords can be fined if they rent their property to someone who isn’t allowed to stay in the UK and you / they can’t show that they checked a tenant’s right to rent.
Can landlords delegate the responsibility to a lettings agent?
Landlords can ask any agents that manage or let their property to carry out the check on their behalf. All landlords and lettings agents should have this agreement in writing.
If a tenant sub-lets the property without the landlord knowing, they’re responsible for carrying out checks on any sub-tenants.
For further information on right to rent, please visit gov.uk