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Old 05.10.2015, 14:14
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Leaving Switzerland for UK - No debt certificate

Hi!

Next month I am leaving switzerland and landing in London. It'll be my first time in UK, and I'll need to look for a flat in there.

Do you know if the agencies there require for a no debt certificate in there? Since I have never lived there, should i get the certificate here in Switzerland to present it there, or it will be useless?

Thank you very much for your help!
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Old 05.10.2015, 14:27
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Re: Leaving Switzerland for UK - No debt certificate

It will be useless and you will probably need guarantor to get a flat in the UK as you don't have any credit history.
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Old 05.10.2015, 14:57
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Re: Leaving Switzerland for UK - No debt certificate

The UK are credit checking experts.
You need a credit check to buy a coffee in the UK now.

Don't worry it'll all be done for you and you can pay for the pleasure and be be told you don't qualify because you have no debt. You need debt to get more debt or somewhere to live.
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Old 05.10.2015, 20:26
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Re: Leaving Switzerland for UK - No debt certificate

The UK likes credit checks, bank references and work references. Many agencies will ask the lease paid up front if

1. you have not lived there before and have the above or
2. returning resident without current UK credit.

There is no law, depends on the agency. I had to pay up front as I had been away a while and no UK credit.
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Old 05.10.2015, 21:05
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Re: Leaving Switzerland for UK - No debt certificate

As porsch1909 said debt certificate will be useless.

A healthy bank account will solve your renting problems in London.
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Old 06.10.2015, 00:14
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Re: Leaving Switzerland for UK - No debt certificate

Thank you very much for your responses!

Then I won't bother getting the certificate in here, and will need to pay up front.

Do you know how many months the may "reasonably" ask for?
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Old 06.10.2015, 00:27
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Re: Leaving Switzerland for UK - No debt certificate

Without a debt check- often 3 months. but in London it may well mean not being able to rent anything decent, as the demand is huge and supply very short.
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Old 06.10.2015, 00:32
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Re: Leaving Switzerland for UK - No debt certificate

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Thank you very much for your responses!

Then I won't bother getting the certificate in here, and will need to pay up front.

Do you know how many months the may "reasonably" ask for?
usually the lease, so go for 6 months then, with a work contract they may go for less
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Old 06.10.2015, 00:34
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Re: Leaving Switzerland for UK - No debt certificate

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Without a debt check- often 3 months. but in London it may well mean not being able to rent anything decent, as the demand is huge and supply very short.
you think??? nooo there is lots of stuff to rent in most areas, I was just there in 2013 stuff stayed on the market a while

they don't have any idea what a debt check is, they dont want any non UK papers I've found in the past
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Old 06.10.2015, 01:17
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Re: Leaving Switzerland for UK - No debt certificate

This is example from a very big London estate agent "foxtons" 1 bed flat to rent, Pepys Street, City, EC3N 475 pw (2,059 pcm) 2,850 deposit (6 weeks deposit)+ 420 (inc. VAT) admin fee (other terms & fees may apply)
Adverts on gumtree.com might get you even easier terms.
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