If you are looking for a residential property to rent, you need to be aware of your rights and
obligations as a tenant. Our guides about property renting are aimed at giving you practical information that we hope you will find useful.
| 100% Mortgage | A 100% mortgage is where the mortgage lender allows you to borrow the full purchase price of the property you are buying.  |
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| About Letting Agents | Letting Agents provide services to people letting and renting property, however letting agents are paid by their client, who is normally the owner of the property and generally referred to as the Landlord. |
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| Assured & Shorthold Tenancies | Assured and Assured Shorthold ('shorthold') tenancies were introduced by the Housing Act 1988 in England and Wales, and the Housing Act (Scotland) Act 1988 in Scotland. From 28 February 1997 all lettings are shorthold unless specified as being assured. |
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| Bad Credit Mortgages | Mortgages and remortgages can often be obtained for those with past or present credit problems, even County Court Judgements (CCJs), for the purchase or remortgage of your own home. |
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| Eviction | Your landlord can normally ask you to leave at any time after 6 months, provided any fixed term you agreed has ended. |
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| First Time Buyer | There is no fundamental difference between a "first time buyer mortgage" and any other mortgage, but there are specially tailored packages for first time buyers who often have difficulties in meeting the normal lending requirements. |
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| Gas & Electricity | The UK energy supply business is highly competitive and there are many gas and electricity suppliers to choose from. |
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| Homebuy | The government scheme Homebuy helps existing tenants of local authorities and housing associations to buy their own home on the open market. |
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| Life Insurance | Life Insurance is used to provide cover for the benefit of a person's spouse, partner or family in the event of their early death. |
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| Tenancy Deposit Protection | The Tenancy Deposit Protection (TDP) scheme came into force on 6th April 2007 and ensures that each tenant's deposit is safeguarded. It applies to both new Assured Shorthold Tenancies, as well as to tenancies renewed after that date. |
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