Homes, Families & Occupation

Welcome to Home Relief Bulletin Board

Monday 25 February 2019

by the Property  Team

Post No. 77

 

Homes, Families & Occupation

How to answer this simple question when seeking homes to rent: What do you do?

In the last episode of a series of property themes regarding our February 2019 campaign about affordable homes for low income people and families, we will be dealing with occupation.

As you probably know, Home Relief provides all-round residential property services principled by social goals with the aim of reducing housing deprivation for low income people and families.   Our property relief service does not only provide home seekers and buyers with advice to access a home to live, but also help them to help themselves in effectively running their lives.  

One of the ways of supporting these people and families to effectively run their lives is helping them to rent or buy a home while encouraging them to be economically active through occupation.

When a physical person or a family seeking home has an occupation, it means they have a means of earning a living.  This could be that they are an employee or self-employee or starting a business.  They are performing a job in exchange for payment that could enable them to cover their property rental costs.  They could also be doing voluntary job or internship or on training and education with the expectation this would lead to paid occupation.  It means they are doing something that could enable them to meet the rental requirements or financial tenancy obligations. 

Occupation has to be placed here in the context of meeting contractual rent payments.  For example, looking after your own children is an occupation.  But, that occupation may need to be covered by a financial cover (e.g. housing benefit or saving) to pay for your rental obligations from rental point of view.  Yet, people and families on low income may have problems to meet certain levels of rents.  This is why we are looking into occupation this week.

The purpose of this week’s session is to work with prospective clients to find a home to rent or to buy.  The purpose of this week’s session is NOT to find a job or occupation.   Home Relief is a freelance property agent, but NOT an employment agency. 

However, as part of our extended home service to low income earners we can provide some leads to our clients or home seekers in terms of opportunities in the areas where their current or future home is or will be.  Occupational opportunities could include the following:  paid jobs, volunteering, education and training, apprenticeship, internship etc.  These opportunities could be online, offline, paid or unpaid.  Yet, whatever they do as occupation, they have to make sure they are able to cover their rental commitments.

There are a number of reasons for working with low income people and families around occupation matter.  One of these reasons is that occupied and economically active renters and home seekers have more chance to secure and keep their accommodation compared to others.  Low income people and families do not earn enough to meet many of the high asking rents in the property market.  They need to demonstrate that they can rent affordable homes.  They can only do this if they can improve their income circumstance and meet their rental obligations related to rent payments or mortgage payments for home buyers.

To illustrate this better, let’s give you two cases.

1st Case: A resident landlady complaining about a tenant’s lack of economic occupation

We came across a case whereby a landlady complained to us and threatened to increase the tenant’s share of payments for utility bills because the tenant was housebound.  This is what this landlady said: 

“The tenant I have stays every day in his room.  Yet, when he rented the room, the contract was made on the basis that he would be often out to work and only coming in the evening to sleep and stay over the weekend”. 

This landlady threatened to increase her tenant’s contribution towards the utility bills as she complained about the lack of outdoor occupation from the tenant.

2nd Case: A landlord willing to take benefit claimants with occupation

Sometimes ago, we phoned a landlord and asked him whether or not he would consider home seekers claiming housing benefits.  This is what he replied:

“I don’t mind letting my property to people or families claiming benefits as long as they can pay deposit and rent in advance, they have suitable references and have some occupation like studying or on training or looking for work or working part time”.

The above cases are self-explanatory about the relevancy of occupation when it comes to seeking to rent or buy a home.

This week’s session is about working with home seekers to improve their applications to be eligible for rent by making their occupation stand out.

We hope that at the end of this week’s activity the following will be achieved:

√ Home seekers will be better aware of the place and role of their economic activity in their rental applications

√ The importance that landlords/ladies or their agents can attach to the economic occupation

√ Steps to take to improve home seekers’ economic activity or status

√ What landlords/ladies and their agents are looking for when selecting home seekers’ applications, particularly when it comes to the occupation section

√ The balance between the overall of costs of renting a home (plus the other costs of living) and the total annual earnings (or income) that home seekers may have; and if there is a gap between the  two, how they are prepared to address this issue for the life of the tenancy

√ Being on low income should not be considered as a low key as long as home seekers can offer other guaranties as well as can prove they are actively improving their status

In the end, this week’s process is about working with home seekers so that they can be able to respond to their prospective landlords/ladies and Home Relief to this simple question: What do you do for living?   

To find out how this week’s activity may work for you, please contact Home Relief.

Simply need advice related to occupation for your application to rent or buy a home, work with Home Relief.

If you are looking for an affordable location and home, Home Relief is the people dealing with affordable homes you could consider in your property searches and enquiries.

For more information about our property service to home buyers and tenants, please go to https://homerelief.co/tenants/

For more information about our property service to home sellers and landlords/ladies, please go to https://homerelief.co/landlord

For properties to rent and let, go to https://homerelief.co/property-search/

For weekly property news and updates, please read our weekly posts.

Thank you for reading this post.

We look forward to receiving your regular visits to Home Relief website and to doing business with you throughout 2019.

Many thanks!

Home Relief – freelance e-property people dealing with affordable homes

Homes, Families & Locals

Welcome to Home Relief Bulletin Board

Monday 18 February 2019

by the Property  Team

Post No. 76

 

 

Families, Homes and Locals

Pursuing on our home campaign for low income people and families to access affordable homes, we are this week working with them on the knowledge of local life.

As you probably know, Home Relief provides all-round residential property services principled by social goals with the aim of reducing housing deprivation for low income people and families.   Our property relief service does not only provide home seekers and buyers with advice to access a home to live, but also help them to help themselves in effectively running their lives.  

Among the ways of supporting these people and families to effectively run their lives is helping them to rent or buy a home in areas where they have basic knowledge and information and where local life can be supportive or suitable to them.  Homes, Families and Local will be the topic for discussion with home seekers and buyers this week.

Learning to know the local area where you want to move in can help when looking for affordable homes.  You can find information about your future local area online via the internet, through local letting and estate agents, on your phone if your phone has a local area feature, you can read local papers, you can visit local libraries etc.

For as long as you will be in the process of renting or buying a home in the future, you may need to know your locals.  Amongst the locals is the local property market.  Even after you have moving in, you may still need to know and integrate into the local life. 

Being part of local life and getting involved or integrated in the local life (in things such as local language, value, habits, news, practice, shopping, networks etc.) can help to soften the process of looking for home to rent or to buy.  If you have already found a home, local knowledge and information can still help you settle in and run your life

Local information can provide you with local networks, contacts, prices, empty properties, habits, flexibility (on things such as the amount or size of deposit to pay), better deals etc.  These things can help you save money especially if you are on low income and looking for affordable homes or living in affordable homes.

The above is what this week’s session will be about.  We can anticipate that at the end of this week’s process of knowing and learning about the locals, home seekers and buyers will be able to figure out their local area and make informed decisions concerning their home matters.  In particular, this week’s activity will provide them with the following

√ Techniques to source a variety of local information and pages

√ Where to find local information about properties and local area

√ Leads to local properties to rent and to buy (both advertised and non-advertised)

√ How to read local information on properties to rent or buy

√ Ways of interpreting and analysing local information and local statistics

√ How to do local comparison for home-renting and buying purposes

√ What is useful and what is not useful in local information and data about properties

√ The vitality and reliability of local statistics for home seekers and buyers

The above benefits from this week’s session will be disentangled from the current say that the social media and big media have taken over the local newspapers and local life.  The session will prove that local information and media are still relevant if not decisive when looking to rent and buy a property, especially for those who have income constraints.

To find out how this week’s activity may work for you, please contact Home Relief.

Need advice on local information for homes to rent or to buy, work with Home Relief.

If you are looking for an affordable location and home, Home Relief is the people dealing with affordable homes you could consider in your property searches and enquiries.

For more information about our property service to home buyers and tenants, please go to https://homerelief.co/tenants/

For more information about our property service to home sellers and landlords/ladies, please go to https://homerelief.co/landlord

For properties to rent and let, go to https://homerelief.co/property-search/

For weekly property news and updates, please read our weekly posts.

Thank you for reading this post.

We look forward to receiving your regular visits to Home Relief website and to doing business with you throughout 2019.

Many thanks!

Home Relief – freelance e-property people dealing with affordable homes

 

Families, Homes & Health

Welcome to Home Relief Bulletin Board

Monday 11 February 2019

by the Property  Team

Post No. 75

Families, Homes and Health

Home Relief campaign for low income families and their homes to rent or to buy continues this week with a focus on health issues.

We will be dealing with both indoor health within a home to rent or to buy, and outdoor health outside in the area where your future home will be located and the health facilities or amenities.

As you probably know, Home Relief provides all-round residential property services principled by social goals with the aim of reducing housing deprivation for low income people and families.   Our property relief service does not only provide home seekers and buyers with advice to access a home to live, but also help them to help themselves in effectively running their lives.  

Among the ways of supporting these people and families to effectively run their lives is helping them to rent or buy a home which is healthy and in healthy area with health facilities or amenities.

As part of working with low income earners/families to find homes that meet their health needs; Homes, Families and Health (HFH) will be the topic for discussion with home seekers and buyers this week.

The reason for this HFH campaign is that people and families with low income earning capacity are often forced to take or choose budget properties in a budget area.  This could raise some concerns about the health conditions inside these properties as well as the health facilities or amenities in this budget (sometimes deprived) area.  This is despite the fact that most sensible landlords/ladies and professional letting/estate agents would cover the health element in the property service they would offer.

The health issue in a home rental and buying market is very relevant than what one could imagine.  We came across a couple owning a property and discovered after many years of living in that property they bought sometimes ago that it was built on a dangerous site and unsafe land; land subject to a collapse in the future.  The property developers who sold them the land and built the property were no longer on the market.  This is just one of the many health examples to consider.    

Regardless of income sizes, all human beings are entitled to live in decent conditions.  The issue of health becomes even a matter of concern where the home seekers and or buyers have health conditions and require a particular property to meet those conditions but cannot afford it.  It is further important in the case of children when they are part of the occupancy of the property to rent or to buy.

This week’s activity with home seekers and buyers will help them to get some insights about the areas of health they need to be fully aware before renting or buying a home.

The session will consider the following

√ Areas of health to check when viewing a property to rent or to buy

√ Health questions and hazards to raise when viewing a property

√ Health history of the property and area (e.g. environmental site)

√ Health infrastructures and amenities in the local area

√ Environmental health in the local area (for example an area where there is or used to be a recycling site or with high level of pollution)

Etc.

As part of this week’s session, we will look at the areas of law related to health, safety and standards for properties to rent and to buy.  We will as well deal some aspects of health insurance related to properties to rent and to buy.

We hope that at the end of this week’s health learning process, home seekers and buyers will be become

√ Health-aware regarding homes to rent or to buy

√ Better informed about health and environmental laws and their implications for the home buying and rental world

√ Capable of matching their budget with their health demand in their property searches and enquiries

√ More able to choose healthy environmental life and lifestyle for themselves and their children

√ Keen in doing some health and environmental searches before renting or buying a property

√ Knowledgeable in protecting their families

√ Aware of health insurance and protection related to property injuries and issues

√ Familiar with areas of law regarding health issues linked to properties to rent or to buy

√ Confident in integrating health considerations in their home seeking and buying plans

To find out how this week’s activity may work for you, please contact Home Relief.

Simply need health advice related to homes to rent or to buy, work with Home Relief.

 

If you are looking for an affordable location and home, Home Relief is the people dealing with affordable homes you could consider in your property searches and enquiries.

For more information about our property service to home buyers and tenants, please go to https://homerelief.co/tenants/

For more information about our property service to home sellers and landlords/ladies, please go to https://homerelief.co/landlord

For properties to rent and let, go to https://homerelief.co/property-search/

For weekly property news and updates, please read our weekly posts.

Thank you for reading this post.

We look forward to receiving your regular visits to Home Relief website and to doing business with you throughout 2019.

Many thanks!

Home Relief – freelance e-property people dealing with affordable homes

 

Homes, Families & Schools

Welcome to Home Relief Bulletin Board

Monday 04 February 2019

by the Property  Team

Post No. 74

 

 

Homes, Families and Schools

As you probably know, Home Relief provides all-round residential property services principled by social goals with the aim of reducing housing deprivation for low income people and families.   Our property relief service does not only provide home seekers and buyers with  homes to live, but also help them to help themselves in effectively running their lives such as meeting educational needs for families with children.

As part of working with low income earners/families to find homes that meet their children needs; Homes, Families and Schools (HFS) as a topic will be discussed with home seekers and buyers this week.

HFS is progressive session of home advice given by Home Relief to ordinary families looking to rent or to buy a property in the catchment area schools that are closer to their choices. 

Often ordinary families and low income earners have a very limited choice for both affordable homes to rent (or to buy) and preferred schools of their choices for their children.  This type of home seekers and buyers when they are looking for affordable homes within the catchment area schools at the top of the class, they may often settle with a forced choice of getting homes closer to the national average grade schools only.

Because these families have very limited incomes, it does not mean that the academic potentials and ambitions of their children have to be limited to unaffordable homes and forced choices of schools.

The HFS campaign helps these families to alleviate these two barriers or constraints (i.e. unaffordable homes and not-preferred schools) by supporting them as much as possible with information, advice, tips and guidance on these two matters.  This would help them to get the best least possible choice on the housing and educational markets. 

Attention readers!

The purpose of this week’s activity is to work with home seekers and buyers to reduce barriers in finding homes to rent or buy within the catchment area schools of their choices.  The purpose of this week’s session is NOT to find schools for their children. 

Home Relief hopes that this week’s campaign will enable families seeking to rent or buy homes to the following

√ Get as much as information they need and can to make informed decisions and choices for homes to rent or buy while taking into account the educational needs of their children

√ Boost their own home renting and buying search skills (skills to find a home to rent or buy and skills to find preferred schools for kids)

√ Better use of property finder, catchment area checker and school finder online services

√ Make better home renting and buying planning (including budgeting)

√ Discuss ways of improving their status (their earning capacities and references) as home renters and buyers

√ Enhance their home seeking and buying applications in order to be within the catchment area schools of their choices or their children’s choices

Briefly give a choice to low income families.

In the end, the all process of this week’s campaign is for them to generate a property rental or a property buy that includes both affordability and school preference.

Need home advice in relation to catchment area schools, work with Home Relief!

If you are looking for an affordable location and home, Home Relief is the people dealing with affordable homes you could consider in your property searches and enquiries.

For more information about our property service to home buyers and tenants, please go to https://homerelief.co/tenants/

For more information about our property service to home sellers and landlords/ladies, please go to https://homerelief.co/landlord

For properties to rent and let, go to https://homerelief.co/property-search/

For weekly property news and updates, please read our weekly posts.

Thank you for reading this post.

We look forward to receiving your regular visits to Home Relief website and to doing business with you throughout 2019.

Many thanks!

Home Relief – freelance e-property people dealing with affordable homes