So for whatever reason, you have unfortunately found yourself homeless. Hopefully you don’t have any dependants with you to look after. First thing you need to do is make sure you are out of danger.
We explore the steps you need to take to get your life under control
Speak to council housing department
First port of call is the local council, depending on the regional housing need you may be able to get some help. If you do have dependants, council departments have a duty of care to make sure you are all safe. Councils own properties that are used for emergency support. In the worse case scenario, councils are known to pay for hotel private accommodation for families who need the help.
Register with letting agents
Do not just register with one estate agent, make sure you speak to at least 5 locally to make sure you can cover the market properly. Like with any product or service, landlords will shop around,so not all properties are listed with every provider. Make sure you are honest with them about what you are looking for. Tell them if you have children or pets and disclose any specific needs such as access, number of bedrooms, catchment areas for schools etc.
Consider government house schemes
If you are in the fortunate position to be able to potentially buy a property, the UK government run plenty of assisted plans such as help to buy. This is normally where they join you on the mortgage for a short period of time, such as 5 years, you pay them rent on their contribution to the mortgage then have the option to buy them out and own the house outright, once you are in a better financial position. Also, more recently they have announced contribution plans to help first time buyers save up a larger deposit, by matching your deposit with an additional 25% for free.
Lean on family
The most affordable solution is and always will be family. If they have space available, you should take advantage of their generosity. You don’t have to live with them forever, but just long enough to save up some money and get back on your feet.
Store your important belongings
When in between properties, it’s essential to look after your belongings. Leaving behind all your homewares, furniture, and keepsakes should not be an option, apart from the emotional ties to your personal items, replacing these all over again will cost thousands. If you are local, rent a storage unit in Cambridge. Costs are very reasonable and you don’t normally have to commit to any significant length of hire.
get legal advice
Whatever you choose to do, make sure you get the right legal advice along the way. Citizen’s advice (CAB) is normally free. They will have plenty of experience dealing with rental or housing disputes so make sure you get some support from them as it wont cost a penny.