Navigating Affordability Challenges: A Real Estate Dilemma in London

As a family grappling with the pressing need to find stable housing in London, the search for affordable rental options can feel overwhelming. I’m currently living with my boyfriend and our young child at my parents’ home, and the lack of space and privacy has reached a tipping point. While my boyfriend is employed full-time, my part-time work as a parent of a baby limits our financial flexibility. Unfortunately, this situation puts us on the fringes of the rental market, as we struggle to meet the affordability criteria due to my employment status and the stigma surrounding benefit recipients.

In our quest for housing, we’ve encountered two common suggestions: securing a guarantor with a substantial income or paying six months’ rent upfront. Both options, however, present significant obstacles. We do not have the financial means to cover rent in advance, nor do we have contacts with the financial capability to act as a guarantor.

One potential solution that has crossed my mind is to consider adding a family member to our rental application. My sister and father are currently residing at my parents’ house, where they are council tenants. If I were to look for a three-bedroom flat and indicate that either my sister or dad would be moving in—suggesting their frequent absence due to work commitments—would this approach breach any legal or ethical boundaries? Would it pose any risks?

For context, I am also on the council waiting list for housing, but the timeline given to me suggests that I might wait up to five years for a suitable placement. Relocation is not an option for us; my boyfriend has a stable job in London, and my role as a caregiver for my parents—who have significant health issues—anchors us in this city.

If anyone has insights or experiences to share regarding navigating this complex rental landscape, I would be immensely grateful for your guidance. Thank you for any help you can provide!