Petition · past parliament
Rental History to Count Towards Mortgage Applications
Rejected
21 signatures
What the petition asks
Since starting renting 16 years ago there has been an in excess of £96,000 paid by myself and my partner/husband in rent. This should be evidence enough of an ability to repay a mortgage.
I wish for the government to change mortgage applications to take in a history of rental payments as evidence of an ability to repay a mortgage. In MANY cases mortgage repayments are LESS than rental payments. I would like to propose that a 10 year period of rental payment history to show that mortgage repayments are possible and affordable is taken into consideration.
Why it was rejected
It asked for something that is not the responsibility of the UK Government or Parliament.
We can't accept your petition because the UK Government and Parliament aren't responsible for the issue you raise.
Landlords are able to report rental income to credit agencies, who can then take this into account as part of their rental scores. It is a decision for landlords and credit agencies whether or not to do this, The Government aren't responsible for operation of credit rating agencies or mortgage lenders.
Landlords are able to report rental income to credit agencies, who can then take this into account as part of their rental scores. It is a decision for landlords and credit agencies whether or not to do this, The Government aren't responsible for operation of credit rating agencies or mortgage lenders.
Timeline
| 18 Aug 2020 | Petition opened for signatures |
| 2 Sep 2020 | Rejected by the Petitions Committee |
Key facts
Signatures
21
Status
Rejected
Rejected
2 Sep 2020
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Source: the official petition page. Last checked 15 Jul 2026.