How to handle issues with your landlord

When you rent from a landlord, it’s always in both of your best interests to have a good relationship. Unfortunately, sometimes this doesn’t always happen.

Renters should be aware of their rights as a tenant and how to appropriately handle any issue to avoid any legal repercussions.

Does my landlord have the right to visit?

Renters may not realize it, but landlords have various situations where they’re allowed to enter the property, with or without notice. It’s in both people’s best interests to know ahead of time. In Ontario, landlords may enter without notice due to an emergency, if the tenant decides to let them in, if it was decided that the landlord will need to regularly visit to clean the rental unit and if both the tenant and landlord have agreed to end their rental agreement, the landlord can show the space to other prospective tenants without notice.

Besides these scenarios, landlords are expected to give renters at least 24 hours written notice before stopping by, which should include details such as why the landlord needs to stop by and when the landlord plans to visit. While a landlord is allowed to stop by, landlords are expected to limit the number of times they visit.

In Ontario, tenants may deny the landlord entry if it doesn’t follow the Residential Tenancies Act, but it being an inconvenient time isn’t a good reason to.

What issues might you encounter?

When you rent a property, it’s expected that both you and the landlord will come to an agreement into who will handle property maintenance, such as snow shovelling or mowing the lawn, and that certain rules may be set.

If you’re renting an apartment, it’s expected that you’re living in a manner that follows the building’s rules, such as avoiding excessive noise at night or not smoking indoors if it’s against the building’s rules. If you live in a way that violates the city’s bylaws, the police can be called which may lead to warnings or fines.

The landlord has the right to ask a tenant to either clean up their space, if it’s extremely dirty, or make repairs to the unit, if they damaged it, through either a verbal or written request. http://rentingtoronto.com/how-to-handle-issues-with-your-landlord/ http://rentingtoronto.com/how-to-handle-issues-with-your-landlord/If you don’t comply, the landlord may take their issue up with the rental authority. If you feel that you’ve been wrongfully accused of a situation, you may need to gather proof and witnesses to show otherwise.

Meanwhile, landlords are expected to complete emergency repairs in a timely manner, but tenants must be aware that they’re not allowed to withhold rent as leverage since that could lead to your eviction.

 

How to rent an apartment with bad credit

Many landlords conduct credit checks on potential tenants since it gives them an idea of how likely they are to pay their rent on time based on how well they manage paying their other debts.

But if you made some financial mistakes in the past, you may find that it will come back to haunt you when it comes time to find a place to rent. Most derogatory information will remain on your credit report for about six years, which is why you need to manage your credit well, avoid paying your bills late or defaulting on any loans.

If it’s unfortunately already happened, be aware that you may face a tougher time when it comes to finding a place to live and give yourself extra time to find a place to call home.

Before your start your apartment search, the first step is to check your credit report. This way you won’t be surprised by any unexpected issues. This is important since your bank or another service provider may have made a mistake in processing your bills or your identity may have been stolen and you’re left on the hook. If this is the case, get in touch with the financial institution and the credit reporting bureaus to resolve the issue and ensure that a note is made about the problem if it isn’t cleared up right away.

If your credit rating is due to a financial mistake on your own accord, the best thing you can do when applying to move out is to be upfront and honest about the issue. Get your previous landlord as a reference to vouch for you and you might consider attaching a letter or a receipt from your previous landlord or an explanation letter about the situation.

If you’re able to demonstrate good proof of employment, solid income and good references, landlords may not solely base their decision on the results of your credit report.

Landlords are legally allowed to reject potential tenants based on their credit reports and your best bet is not to try and hide your previous mistakes, but rather show recent evidence that you have paid your bills or rent on time.

A landlord may choose to accept you as a tenant, but they may request you to have a guarantor or a co-signer for your rental application. While you will be the person renting the property, your guarantor will be responsible for covering the rent if you miss a payment. Make sure you talk to close friends or family before submitting their name in your application.

Another way to entice a landlord to rent to you is offering them a higher security deposit to assuage their fears, offer to sign a shorter term lease so you’re able to prove yourself first or offer to move in right away.

It may take longer, but you should be able to find a place to rent, though you may not have as many choices. http://rentingtoronto.com/how-to-rent-an-apartment-with-bad-credit/ http://rentingtoronto.com/how-to-rent-an-apartment-with-bad-credit/Don’t be deterred by the situation and continue to monitor your credit report accordingly to prevent any future issues from putting a damper in your renting plans.

Renting Toronto will always conduct credit checks when consider renters for condos for rent in Toronto. Our company has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999 and owners have the final say on all prospective tenants.

How to find a condo to rent?

If you’re looking to find an apartment or a condo to rent, there are many ways you can go about finding a place to live.

There are rental magazines or postings on bulletin boards, but the best place to look is online. Visiting rental listing websites will let you sort property options based on their amenities, the number of occupants and the location. This way you’re not browsing through rental options that are nowhere near your ideal living location and it’s not as daunting since you can easily narrow down your choices.

Also, it’s easy to put up and remove a listing online, which means when searching, you’re accessing the most up-to-date listings out there.

Another important aspect of these websites is that they typically show images of the property, which gives renters a glimpse into how the space looks. Many renters judge a rental property by the pictures before they go ahead and set up a viewing appointment.

But just because you can browse listings online, doesn’t mean you shouldn’t visit the place. Online listings should help you limit your choices, but seeing that the property matches your expectations is important too.

A viewing appointment lets you verify the details that’s mentioned on the listing and it also gives you a chance to chat with the landlord and ask any questions you may have, such as what utility payments and maintenance will you be responsible for. If possible, see if you can get references from any past renters to hear about their experiences, before agreeing to move in.

If everything is to your liking, make sure to get in touch with the landlord or the property management company right away since some listings may be in demand.

Once you’ve mentioned your interest in renting the property, your landlord will likely request proof of employment, a credit check, content insurance and any past references before approving you as a renter. http://rentingtoronto.com/how-to-find-a-condo-to-rent/ http://rentingtoronto.com/how-to-find-a-condo-to-rent/Have these ready to ahead of time to ensure a quick and smooth transaction. They may also request you to sign a lease agreement, which if you do, read the terms of your stay to ensure you’re aware of any costs and responsibilities associated with renting the property.

Once that’s squared away, if needed, give appropriate notice to your current landlord and prepare for your move.

If you’re a first-time renter in Toronto, these commonly asked Renter FAQs will help you find the right place to live. Visit Renting Toronto for listings on available places for rent in Toronto. Our company has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999 and owners have the final say on all prospective tenants.

Should you get tenant insurance?

During your rental search, you may come across a landlord who requires you to show proof of tenant insurance or content insurance before they’re willing to rent you the condo.

If you’re new to renting a home, you may not be familiar with tenant insurance and how it protects you. A homeowner is required to pay for home insurance when they own a home, but this only covers the property you live in and not your personal items or whether you cause an accident. If the place you’re renting is broken into or there’s a fire that leaves your possessions damaged, tenant insurance will cover the cost of it.

When you rent a place, you become legally responsible for any damage you cause to the property and also if someone is hurt while they visit the property. For example, if someone is injured in the place you’re renting through a slip and fall, your tenant insurance can help protect you in a liability lawsuit if you are held responsible for a victim’s injuries.

Tenant insurance can protect your items in the event of fire or lightning damage, windstorm or hailstorm, frozen pipes that burst and theft, but it won’t help with business pursuits, professional services or bodily injury or property damage that is intended by the person who’s insured.

There are two types of tenant insurance you can purchase: all risk and named perils. If you purchase all risk tenant insurance, this will cover all your items, except for those you choose to exclude, during any event, while if you purchase named perils, this insures your items in the event of specific perils that you name.

There are also two ways that insurance companies can cover the cost of your items, actual cash value or replacement cost. The insurer will determine whether an item should be repaired or replaced.

With basic tenant insurance, if someone files a claim against you and succeeds, you will be covered for up to $1 million that you need to pay out, which also includes the cost of hiring a lawyer to defend you. Tenants can choose to increase this amount to $2 million and there’s an option to pay for additional living expense coverage, which if the place you’re renting needs to be repaired, it will cover the cost of moving, hotels or meals out during the time of the displacement, within a limit. This helps you handle any unexpected costs you’re faced with if you’re unable to live in your rental property.

Tenants can have peace of mind that insurance will help cover the cost of their items in the event of an unfortunate incident. Keep your home inventory up to date and don’t be afraid to shop around for a tenant’s insurance policy that suits your needs. http://rentingtoronto.com/should-you-get-tenant-insurance/ http://rentingtoronto.com/should-you-get-tenant-insurance/ http://rentingtoronto.com/should-you-get-tenant-insurance/Carefully read through your policy to understand what you’re entitled to since some items can lower the amount you may be paid. Understand which items have limitations or exclusions placed on them in your insurance policy.

Visit Renting Toronto for listings on available places for rent in Toronto. Before looking for a place to live, first have a good idea on what you want to look for. Our company has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999 and owners have the final say on all prospective tenants.

What questions should tenants ask landlords?

If you’re about to move out from your parent’s home, it’s an exciting time. While it’s tempting to decide on the first place that looks good, there’s more you need to consider besides the initial showing.

During your showing, you’ll want to check that the space is safe for you to live in and whether it suits your needs and the people you plan to live with. There are also many details you should ask your landlord before coming to a decision.

Utilities – In your home, you use water, electricity and heat in your day-to-day activities. You should always ask the landlord what type of utility is used, such as gas or oil, along with the average monthly cost of the unit. If you’re renting a condo, sometimes utilities are covered in the condo fees the landlord pays, which means it could be covered in the cost of your rent. Also, if you’re sharing a space with other renters, you’ll want to know how these costs will be split. Some living arrangements also come with Internet and cable, which may or may not be included in your monthly rent.

Lease agreement – In Ontario, landlords and tenants aren’t required by law to have a written lease agreement, but this could protect you in the long run if you are ever involved in a dispute with your landlord. Ensure that your lease agreement covers all these terms about your stay and you might want a lawyer to look it over before signing.

Restrictions – Some landlords may be very particular about the space they’re renting out. For example, some landlords won’t allow you to paint the walls or hang paintings since you will need to put nails into their walls. Also, you may not be allowed to own pets or smoke and it’s important to establish the rules before signing a lease.

Current tenants – There’s no harm in learning more about the previous tenants. If it’s due to a dispute with the landlord or another building issue, this might make you think twice about living there.

Neighbourhood – You’re likely searching for a place that’s near to either your workplace or school, but you’ll also want to consider your lifestyle when choosing a place to live. If you enjoy eating out, are there a lot of restaurants in the area or if you don’t own a car, are you near transit. Also, the neighbourhood’s safety may also play into your decision.

Amenities – Some rental listings include fully furnished properties, while others provide no furniture at all. Depending on your living situation, this may affect what you bring. Also, if you’re looking at condos or apartments, you’ll want to know if there are any extra perks, such as a gym, a bbq area or a party room. If you own a car, you’ll want to know if the property comes with parking and if not, where you could park your car, along with where any guests can park.

Property maintenance – If you’re looking to rent a house, ask who will be responsible for chores such as mowing the lawn or shovelling the snow. Also, inquire about how minor or major repairs should be handled and where can you reach the landlord if you have any issues or questions.

While the answer to these questions may take you longer to find a place to rent, you’ll be glad you did when it saves you time, money and hassle in the long run.

Renting Toronto has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999. Our company has full time dedicated agents renting properties on behalf of owners and owners have the final say on all prospective tenants. Our website receives thousands of hits monthly and as a Homeowner or Landlord you can display your rental property on our website at a very low cost compared to our competitors!

How to handle repairs when renting

When you’re renting a place, you’re the person who has to live through any issues or quirks in the space you’re living in. By law, landlords are required to fix and cover the cost of any emergency repairs that could jeopardize the renter’s health and safety.

It’s important for renters to understand what would be considered to be an emergency repair and how they should proceed.

When a renter discovers a problem, their first step is to contact the landlord, at least twice, whether it’s by phone or email. Renters should take note of when they attempted to get in touch and they should allow for a reasonable amount of time for the landlord to get back to them.

Meanwhile, if the landlord is unavailable and the tenant needs to have the repair done as soon as possible because the issue is causing damage to their personal belongings or is dangerous to their health, they can authorize a repair, but they must hold onto any paperwork.

A tenant can ask the contractors to bill the landlord directly, but if they require payment once the job is completed, a tenant must hold onto any receipts related to the job and ask the landlord to be reimbursed.

If a landlord gets in touch with the tenant while repairs are underway, they can choose to let the repairs continue and reimburse the tenant or pay the contractor for the amount of work they’ve done and find someone else to do the repairs.

Tenants should keep in mind that they should only pay for repairs that are considered be an emergency because if the repair isn’t, the landlord can refuse to reimburse tenants for the cost of the job.

Also, if you live in a condominium or townhouse and a unit surrounding you has a problem, such as a water leak that’s affecting your unit, contact your on-site property manager or concierge since the people may be away. The property manager can get into the unit immediately and shut off a water valve, which will hopefully prevent further damage to that unit, as well as your own. Once you’ve done this, contact your landlord immediately so that he can contact his insurance company, if needed.

A few examples of emergency repairs include:

  • A broken heater when it’s cold outside.
  • The refrigerator stops working.
  • A short circuit in the wiring which could lead to a fire.
  • Backed up sewage system causing flooding in the premises.
  • Broken pipes causing flooding.

A few examples of non-emergency repairs:

  • A minor leak in the roof or one of the pipes.
  • Slow drainage of the sink.
  • One of the doors inside the property won’t close properly.
  • A cracked window pane on a higher floor.

Renters may not know this, but when damage to the property, such as a flood or a fire, destroys their belongings, the tenants are typically liable for the damage, not the landlord. This is why it’s in a tenant’s best interest to buy content insurance to protect themselves.

Renting Toronto has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999. Our company has full time dedicated agents renting properties on behalf of owners and owners have the final say on all prospective tenants. Our website receives thousands of hits monthly and as a Homeowner or Landlord you can display your rental property on our website at a very low cost compared to our competitors!

How to decorate a bachelor apartment

When you rent a place to live, many people are looking to make their space home. The best way to do this is by decorating, but when you’re working with a small space, you may face difficulties about how to best use your space.

The first step before looking at any furniture is to measure your space. The worst thing you can do is buy furniture and when it’s brought over, discover that it doesn’t look as good as you thought since it doesn’t fit in the appropriate space or in some cases, it might not even fit through the door.

With a bachelor apartment, your biggest challenge is keeping your place from getting cluttered. Search for modern-looking, minimalist furniture that has dual functionality. For example, buy a sofa-bed for the living room area, buy chairs that can also store items underneath or buy a table that can double as a desk and a dining table. When furniture shopping, always inquire whether it will be assembled or not and whether you need to pick up the item or if they offer delivery.

Another good way to decorate is to simply paint your room. Before proceeding, get your landlord’s permission. Painting the walls a lighter colour will make the space look bigger and you can choose a colour that matches your overall decorating theme.

Other tactics that can make your space bigger include placing a large mirror, which gives the illusion that your space has doubled in size, or hang any artwork higher up since it makes the space look taller. (Again, get permission from your landlord before putting holes into the wall since they may consider this as damage to the property.)

Since the space doesn’t have walls, there are many ways you can add some privacy to your space or separate one living area from the other. Bookshelves are great since they offer organizational space, a spot for knickknacks and a wall separation from one room to another. Also, a screen panel or curtain can create a cozy sleeping and private sleeping area. Your TV can also act as a divider between your sleeping area and your entertainment zone.

Meanwhile, if you’ve chosen to rent a furnished apartment, decorating is much easier. All you need to do is display a few photos or buy pillows or a throw that matches the apartment’s theme. Intricate sculptures serve as great conversation starters, but having too many on display leads to a cluttered space.

While it’s important to buy furniture and add your own personal touch to the space, the number one way to keep your apartment looking good is by regularly cleaning the space and keeping it free of dust and grime.

If you’re looking for a bachelor apartment, visit Renting Toronto for condos for rent in Toronto. Before looking for a place to live, have an idea of some details that are a must in your new place. Our company has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999 and owners have the final say on all prospective tenants.

What is a tenancy agreement?

If you’re moving out for the first time, you may not be as experienced with what to expect when you rent a property.

Once you find a place you want to live in, an important part of the process is signing a tenancy agreement or a lease agreement. While not all provinces require renters to have a written tenancy agreement or lease, such as Ontario, it’s in your best interest to have this in place.

The agreement will cover details about what both landlords and renters expect during the tenancy. It should include rental details, such as when the tenant can move into the unit, the monthly rent, when rent should be paid, what amenities are available to you, such as parking or utilities, and the tenant’s and landlord’s responsibilities, such as who is responsible for shovelling the snow or who is responsible for the property’s maintenance.

The document should also cover rental rules, such as how much notice the tenant needs to give the landlord before they decide to move out, subletting rules and any details about a damage deposit. It should also include the landlord’s legal name and address for when the tenant may want to reach out to him/her.

A written version of a rental agreement can help resolve any issues that may arise between the landlord and the renter. The document should define the legal rights of both parties, as well as what steps should be taken to handle a problem.

While landlords are free to set their own terms within the agreement, it can’t contain any rules or conditions that don’t follow the province’s renting legislation. For example, renters may take on some repairs on behalf of the landlord, but the landlord is still responsible for the general maintenance and safety of the property they’re renting out.

Once both parties have signed the agreement, the renter should be given a copy. This tenancy agreement can act as evidence for both parties if one party isn’t abiding by the terms that were previously established. domain ip . Once a timeframe’s lease agreement is up, both parties can decide to either renew it. If not, rent should be paid on a month to month basis and tenants still need to give landlords adequate notice if they choose to move out.

Renting Toronto has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999. Our company has full time dedicated agents renting properties on behalf of owners and owners have the final say on all prospective tenants. Our website receives thousands of hits monthly and as a Homeowner or Landlord you can display your rental property on our website at a very low cost compared to our competitors!

What is a credit check?

When a landlord is choosing a prospective renter, they have the right to ask for written permission to request a credit report.

Credit checks shed some valuable insight into your financial situation, which could influence a landlord to either accept you as a tenant or reject you.

What is a credit report?

A credit report details information about any loans you’ve taken out within the last six years, along with how often you meet your payment deadlines. The report also offer details about the credit cards under your name and the amount of credit you have at your disposal and how much you have used.

Before hunting for a place to rent, renters should request a free copy of their credit report from the credit reporting agencies, Equifax and TransUnion, to see their current status. These reports will also include a credit score, which is based on your use of credit to come up with a score. This score is based on multiple factors, such as the type of credit you use, your payment history, the amount you owe on credit, the length of your credit history and any new credit you may have applied for.

How can you improve your credit report score?

If it’s the first time you’ve checked your credit score and you’re shocked by your standing, you’ll be glad to hear that the score isn’t set in stone.

Some people may have no credit history, which while this means they haven’t borrowed money, it also doesn’t offer any insight into your financial risk. In a case like this, you may need to provide a guarantor letter which will names a family member or close friend to be liable for the rent if you are unable to pay. Meanwhile, the best way to start filling your credit report is by properly managing your credit card use since this way any potential landlords will see you as a responsible individual.

If you made mistakes when using credit, whether it’s by making a late payment or racking up a great deal of debt with your credit card, the only way to improve your credit score is to practice good money habits, and wait for your past behaviour to fall off the report. Make sure you pay any loans and bill payments on time and as your good habits continue over time, the weight of your old habits will affect your score less and less.

Both positive and negative information will stay on file for about six years, which is why it’s important to adopt good financial habits right off the bat. Depending on the type of negative information, whether it’s a bankruptcy or a late bill payment, the timelines differ with the amount of time it stays on your file.

To avoid any ugly surprises, check your credit report before looking for a place to rent. If the results aren’t as great as you’d like, follow through with good habits to improve your report overtime.

The information provided in your credit report is useful to landlords since it offers them a glimpse into the amount of debt you’re carrying, whether you have enough money to make your payments and whether you have a history of paying in a timely manner. This info coupled with your letter of employment, which details your income, will offer the landlord a barometer into your financial picture, which may either encourage them or dissuade them from renting to you.

Renting Toronto will always conduct credit checks when consider renters for condos for rent in Toronto. Our company has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999 and owners have the final say on all prospective tenants.

What are the best and worst cities to look for a place to rent?

Finding a place to rent can sometimes be a breeze or a tough slog, depending on the city you’re looking in.

A city’s rental markets moves at its own pace due to the city’s economic conditions, which in turn affects vacancy rates and the monthly rent. If the city boasts lower vacancy rates, this can lead to higher rents since there’s more competition to stay at a certain number of apartments.

In April 2015, purpose-built apartments saw a 2.9 per cent vacancy rate, which rose from 2.7 per cent during the same time last year, according to a recent CMHC rental market report. The slight increase is also only 0.1 percentage points higher than it was in October 2014, but the CMHC says the change is small enough that there’s no cause for alarm bells.

“The stability of the national vacancy rate is due to offsetting regional trends that reflect the negative impact of lower oil prices on rental demand leading to higher vacancy rates in oil-producing provinces, particularly Alberta and Saskatchewan,” said Bob Dugan, Chief Economist at CMHC’s Market Analysis Centre, in a press release.

Ontario and British Columbia were two provinces that saw lower vacancy rates thanks to economic improvements, such as lower unemployment for young adults, more rental units being built and more immigrants calling BC home. In Ontario, the vacancy rate fell to 2.5 per cent from 2.8 per cent and in British Columbia, the vacancy rate fell to 1.8 per cent from 2.4 per cent.

If you’re looking for a place to live in Guelph, Victoria or Vancouver, there’s a chance you’ll have a tough time since these cities have the lowest vacancy rates in the country ranging between 0.6 to 1.4 per cent. On the other hand, those looking for a place to call a home in Moncton, Saint John and Gatineau are in luck since these cities have the highest vacancy rates between 6.2 to 8.8 per cent.

Renting a two-bedroom unit cost Canadians slightly more with an average monthly rent of $949 compared to $930 last year. It’s no surprise to see that cities with low vacancy rates saw their monthly rent rise. Vancouverites paid the highest monthly rent of $1,345, Calgarians were second with at $1,319 and Toronto was third at $1,269. Meanwhile, you’re more likely to pay less for rent in Quebec with the cities of Trois-Rivières, Saguenay and Sherbrooke boasting the most inexpensive rent of $571, $583 and $607, respectively.

As the price to enter the housing market continues to go up, this is pushing more Canadians to continue renting. Whether this continues remains to be seen.

Visit Renting Toronto for listings on available places for rent in Toronto. Before looking for a place to live, first have a good idea on what you want to look for and what information a landlord can legally ask. Our company has been in the business of placing competent, qualified tenants in owners and landlord’s properties since 1999 and owners have the final say on all prospective tenants.

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