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Just Joined

1 Posts

Posted - 17 July 2017 :  14:44:36  Show Profile  Reply with Quote
Hi there,

I am currently in a TD and have been for almost a year. I may have to relocate with work and will then have to rent a new property. I am concerned I may not pass a basic credit check that they will carry out and wanted to see if anyone had any advice or has had experience with this in the past.

Thanks in advance.


TDA (Debt Adviser)
Trust Deed Expert

12078 Posts

Posted - 17 July 2017 :  18:35:22  Show Profile  Reply with Quote
Welcome to the forum lgall.

In general over the years we haven't found that the users of this forum have been unable to rent privately. That said, individual landlords can and will take their own view on the content of somebody's credit report when deciding whether or not to accept them as a tenant.

The absolute key point seems to be to be entirely open and honest in advance with the landlord, so that the trust deed isn't discovered late in the process. This sets a tone of honesty that most landlords will welcome.

Another major benefit will be if you can secure a good reference from a previous landlord and be in a position to demonstrate a good rental payment record to the prospective new landlord.

The thing that most people will not appreciate, unless you tell them, is that your trust deed budget fully accommodates the full payment of rent. Another potential tenant, weighed down with credit cards and/or loans, might find it much harder to keep up with the rent than you would having taken steps to address your debts.

There's some more information that you might find helpful in the article at the following link:

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds    
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David Tannock
Trust Deed Expert

2074 Posts

Posted - 18 July 2017 :  08:07:42  Show Profile  Reply with Quote
Hi Igall,

TDA has made a lot of good points regarding our experience on the forum over the last couple of years when it comes to someone securing a rental property.

The key is to be honest and up front. If you like a property and speak to the agent ask them what checks they will make. If they tell you they will perform a credit check then explain to them about your financial position and that you have a Trust Deed.

I canít recall anyone ever struggling to obtain a rental property because of a Trust Deed so you should hopefully be ok.

Let us know how you get on if/when you relocate.

Recommended Partner & Trust Deed Expert - Ask me for help setting up a Scottish Trust Deed
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New Member

4 Posts

Posted - 09 August 2017 :  15:05:53  Show Profile  Reply with Quote
Hi Igall,

I was able to rent through countrywide lettings whilst still in my trust deed (although nearing the end)they had no problems. I did however have an issue with finehomes who accepted our application gave us a move in date and later retracted it saying the landlord wasn't happy despite being fully transparent from the initial phone call so it varies on agent but it's definitely possible.

Good Luck


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TDA (Debt Adviser)
Trust Deed Expert

12078 Posts

Posted - 09 August 2017 :  15:14:52  Show Profile  Reply with Quote
The individual landlords are definitely the key here.

If people are open and upfront with agents they'll generally put the matter to their client (the landlord) to decide whether they consider the tenant as being suitable to occupy their property.

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds    
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Advanced Contributor

297 Posts

Posted - 30 August 2017 :  17:56:10  Show Profile  Reply with Quote
As a landlord, I am definitely more comfortable with such applications now that I have had first hand experience of the process.

Key points

Some agencies will not know that you are in a better position re. affordability, be up front in explaining as TDA suggests

All landlords will be sensitive to potential rent payment issues, some more than others. Recent tax and legislation changes mean this is a bigger issue for more landlords than previously.

There will be less availability[and reducing ] of private rentals, you need to limit any reason to favour another applicant, help demonstrate affordability and rent payment history
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