Real Estate Agent Rejected My Application after Being Approved for Rental Property by Owner

Good morning guys, this my first post, I had a really heart breaking and devastating incident with a real estate agency yesterday in Ipswich QLD area.

As you are all aware we are in the middle of rental crisis in Australia, I have been applying for rental properties for the last 6 months, I have applied for over 100 houses. Then yesterday I received a call from real estate agent informing me that I have been approved for a rental property, she asked me if I wanted to go ahead with property and I said yes.

She asked me about my moving date, from my joy and excitement (I felt like I won the lottery) said yes I am ready to moving asap. So I asked if I can come to their office to finalise the rest of process and sign the lease agreement. She PM text me their address and I showed to their office ready. She came out to the reception area and greeted her, she confirmed my full name and who will be living the property. I then ask her what’s the total cost of bond and rent in advance, and if they accept bond loan and she yes they accept bond loan. She said she will email me the lease agreement later this afternoon and I fill out my banking details. All was great and I’m jumping in joy and being funnily lucky to have a house.

Then an 1hour later I got this text from her:
I won’t mentioned their name

Hi ,
Sorry , I do apologise. They owner has now decided to go with another application. Your application has now be declined .
Happy to help you with anything else available.
Kind regards

Agent name

My heart sunk, I was shattered and disappointed I was the driving at that time, I had to pull over by the side of road to calm myself down. So I waited for a couple of hours then I call them back to make sense of this situation. Another agent picked up the phone and I explain to her what had happened, she asked my if she can put me on hold, she want a look for my PM, the agent came back later to tell me she mixed up names, I was not the intended applicant. She apologised for the misunderstanding. I didn’t buy their lie. Real estate check background thoroughly.

Sorry guys I am not a good writer or storyteller, can you please help me make sense of this? Had anybody had a similar experience?
.
Thank you.

////

I Would like to share latest update with you guys:

This afternoon I received a call from another Real estate agency that I'm on the last three tenants to be pre-approved for 3 bedroom townhouse, so she asked my few question before she present my application to the owner for final approval. As soon I heard that I almost jumped I had to contain my excitement. Right away offered them to pay 2 months in advance plus bond payments. I did not mention the word "bond loan" or mentioned kids. Two hours later she called back to congratulate me, then emailed me the welcome kit plus lease agreement and their banking details to for the payment. I paid total of $4100 and I signed 12 months lease, So I will get my keys end of next week.
It has been a long grueling 6 months. All i can is, low to mid-income earners in Australia, we are f&%d.The next couple of years is going to be very challenging.

Comments

  • +25

    …and if they accept bond loan and she yes they accept bond loan

    I think this might have something to do with it. It might suggest to them that you don't have a 'buffer'.

    • +15

      Yeah they only say yes so they can't be accused of discrimination.

      Sorry to hear about your experience OP. I would suggest trying to squirrel away enough to pay bond without a loan, when properties are getting inundated with applications the PM will go with whichever applicant presents the least amount of risk.

      • +7

        Yeah they only say yes so they can't be accused of discrimination.

        It doesn't sound like they knew about the 'bond loan' at time the application was approved.

        You're right - from a homeowner's perspective, if they have plenty of applicants to choose from (which they would at this time), there's no reason they would take the one they see as 'more risky' over someone who they see is 'less risky'. It's unfortunate for OP, but I can understand the reason from the owner's side.

        • +7

          Yeah no I mean the RE only says 'Yes we accept bond loans' so that they can't be accused of discrimination. They would have been on the phone to the owner going through alternative applicants as soon as OP was out the door.

      • Yeah they only say yes so they can't be accused of discrimination.

        It's not discrimination.

        It's choosing a better tenant which the LL is allowed to do.

        • +4

          Well I mean if they did choose to go with another tenant due to the bond loan then it is the dictionary definition of discrimination but yes they are well within their rights.

          • +1

            @Cheaplikethebird: Then anything can be deemed discrimination.

            If Tenant A offers $10 more than Tenant B, one is discriminating against Tenant B.

            If Tenant A has a clean record and Tenant B is on the tenancy blacklist, one is discriminating against Tenant B.

            If Tenant A can always pay 6 months in advance and Tenant B cannot, one is discriminating against Tenant B.

            • +1

              @tsunamisurfer: Sure but there are things you can and can't discriminate against legally when choosing a tenant, I'm assuming using a government bond loan system would be one of those things. It doesn't matter anyway though because you're not discriminating you're just going with another tenant.

              • -2

                @Cheaplikethebird: Don't bother having these discrimination laws if they cannot be enforced.

                Unless the LL says I am not renting to Purple coloured hair people publicly, no one can tell that the LL hasn't simply chosen a better tenant over a purple coloured one.

                • +2

                  @tsunamisurfer: Well I mean we have a lot of unenforceable laws. I worked in an RE where the PM would not rent to Indian or African families unless it was an absolute dump which nobody else would take, their opinion was that they did too much damage to kitchens.

                  • @Cheaplikethebird:

                    Well I mean we have a lot of unenforceable laws. I worked in an RE where the PM would not rent to Indian or African families unless it was an absolute dump which nobody else would take, their opinion was that they did too much damage to kitchens.

                    How that will go down is the LL / REA has elected to lease the property to a tenant (of a more desirable group) and no one will know / be able to prove any different.

                    • +3

                      @tsunamisurfer: You're saying this like this isn't what I've been saying since my first comment.

                    • @tsunamisurfer: For the record, I am of an East African background, English is my second language. I wouldn’t they discriminated against me because they would have seen my photo ID and name during background check.

                      • +1

                        @ekstrabraket: If i was them then the bond loan would be worrying. Not your background or race. It'd raise the question that you may not be as reliable as another when it comes to paying rent. It's harsh but I can see why as a homeowner, it may be concerning. I would strongly suggest saving for the bond, rather than using the loan service.

  • +3

    I've never heard of bond loan before. I've done a quick google. Is it a government loan thing? Do you even need to mention it to the agent?

  • +17

    Unfortunately it is the people most in need of a rental (low income) who are unable to get one.
    Why mention you are getting loaned the bond? Why would they care where the money came from.

    If your spoken English is as poor as your written, then meeting you in person plus finding out you don't have enough money to pay the bond is likely the reason for your rejection.

    • +11

      I was willing to pay the full bond if they said no to bond loan. But thank you lesson learned. I won’t ever mention Bond loan anymore.

      • +4

        No pets. No parties. Dress boring. Social credit score

        • +2

          No kids either.

          • @orangetrain: I have already stated in my application that I have kids.

            • -2

              @ekstrabraket: Take them off. Increase your chances massively.

              • @orangetrain:

                Take them off. Increase your chances massively.

                And when the first rental inspection shows there is 4 people living in the home than the specified childless man and woman?

                • +7

                  @tsunamisurfer: Acquired them in the last 6 weeks

                  • -5

                    @djsweet:

                    Acquired them in the last 6 weeks

                    So they lied on their application.

                    Great auto-eviction.

                    • +3

                      @tsunamisurfer: That was a joke btw. Regardless, rental discrimination on the basis of having children is illegal.

                  • +1

                    @djsweet: haha

            • +5

              @ekstrabraket: I think 99 out of your 100 rental applications got rejected because you declared that you have kids. It happened to me too in Melbourne and I only realized that after getting rejected about 5 applications. Since then, I never said I have kids to live with me in my rental applications and you are all good to have them live with you after you get the property.

              A few more things to note:
              1. if you want to be more successful with your future applications, tell them that you are happy to pay a few months in advance. Even you mention that many real estate agents do not enforce it and let you pay monthly as normal.
              2. if you don't have at least 10k in your account, tell them that you, ie, reinvest all your money so you don't have much in your account. if required, you can bring it into your account. no landlord nor real estate agent will bother to fact-check but choose to believe you to some extend.
              3. don't apply too many as it may lead to more mistake, choose the best place you want to live and set your target and tailor your application on it.

              I could feel your pain but keeping submitting many applications and showing your weakness to landlords or real estate agents do not only fail you more but also waste your time and effort without any signs of success. I hardly applied more than two applications each time I need a new rental property using the above strategies.

              good luck

              • +4

                @vchar: As a landlord, this is some terrible advice on all counts, especially lying on the application re dependent children.

                • -3

                  @gyrex: sorry, you misunderstood me. I just don't disclose what I wasn't asked. plus, children could come after not together with their parents. this is called less for more, and this is a pure discrimination against child/ren, do you think so?

                  what else? you need to use special measure under a special circumstance. as long as you don't hurt/harm anyone, I don't feel that I betray my conscience or anyone.

                  don't you think you guys as landlords push renters too much, do you?

                  • +1

                    @vchar: This is not discriminating against anyone.

                    This is the tenant putting on the application that its 2 people living in the house. Then suddenly its 2 people plus Levi and Shaneesha.

                    • +1

                      @tsunamisurfer: then i don't know what is discrimination then if a rental applicant gets rejected because of their child/ren?

                      • @vchar: Don't think about it as discrimination.

                        Think of it as the landlord's inalienable right to find the most suitable tenant.

                  • +1

                    @vchar: Every tenancy application requires the tenant to declare who will be living in the household. Lying on this form is grounds for immediate eviction.

                    You have very questionable moral integrity if you're making claims that you lying on your tenancy application form is somehow and erroneously justified because you claim you're not hurting or harming anyone which is false - additional wear and tear is being wrought on the property.

                    Imagine if a friend asked to borrow your car and you asked them "for what purpose" and they said "just going to the shops" to which you agreed. Imagine then, that they returned your car with traces of sand within the wheel wells and it was obvious that they took your car 4WD'ing on beaches, would you be upset? I think you would be because you agreed to a contract which the other party violated - the same applies to someone renting your home.

                    • @gyrex: I agreed with all your points; however
                      1. not sure now but when I was a renter, there was no such requirement that you need to declare your children and I looked into my contracts, all they asked was about adult applicants.
                      2. moral integrity is an interesting point but I don't mind letting you know that I was born and raised in a place where it was not a deciding factor and even now I think it is still the case at where I currently live.
                      3. again, no disclosing what wasn't asked for is NOT lying.
                      4. you are absolutely right regarding additional wear and tear but again it is not reasonable enough to reject an application just because they have child/ren, not to mention about humanity, morality and integrity. Plus, in a rental contract should have stated that any damages during the tenancy will be bore by tenants. so what is to worry about?
                      5. you are right again regarding lending something to someone; but frankly speaking, I don't normally lend someone something, ie. my car. If I do, I don't really care what/where it will be used. The same is applicable for lending someone money. If I were to decide to lend someone my bloody money, I no longer think it is mine and borrowers can decide whether to pay me back or not. nothing to be upset with once a decision is made, so you are wrong about me on this point.

                      don't get me wrong, I didn't intend to argue with you but rather give you my view.

        • Consider renting a suit and borrowing a friend's Audi.

          • +1

            @AustriaBargain:

            Consider renting a suit and borrowing a friend's Audi.

            I have an Audi and I would consider any other Audi drivers poor with making smart choices.

        • Don't dress boring, dress in neat clean attire

      • I'm wondering - when you stated your income in the application, was it 'consistent' with that in the eligibility criteria for the bond loan? If it was consistent, then income etc probably shouldn't have been a surprise. (Or did you state an income that was higher than the eligibility criteria that may have raised alarm bells?)

    • I didn't think OP's written English was anywhere near poor.

  • +2

    Sorry to hear, it's a crappy situation especially after your excitement on getting a place.

    As above, it was probably declined because of the Bond Loan as this implies a degree of financial risk from the owners and estate agent's perspective. They are able to change their mind at any time prior to the contract being signed by both parties.

    • +2

      I was super excited mate, I thought I won the lottery, after 6 months of applying for rental properties.

      • +1

        It's insane that a full-time worker needs to feel like they have won the lottery just for being accepted for a rental.

        • +1

          by the way my income is 85k and above. Sadly this is the reality of Australia.

  • +4

    Really sorry that happened to you, OP. REA and owner are scumbags. I know OzB slumlords are gonna dislike that comment but what a horrible position to put you in. Reeks of discrimination, but I don't think there is any recourse for you. Good luck, mate. I have heard how bloody horrible it is out there

    • +5

      How is a sound decision based on the presented financial risk discrimination?

      • +2

        It is a decision based on risk, but I think that any reasonable person would be able to see that "approving" someone's application and getting their hopes up, then rejecting it again is an a-hole move.

        I don't think OP would've felt this bad if his application was rejected from the very beginning.

    • so if i want a loan for 10 billion dollars and i get knocked back, its discrimination?

      • Reductio ad absurdum, is that the best you've got? Big brained stuff

        • Discrimination against big brains? Nice. No rental for you!

          • -4

            @PensionerXXL: I don't rent. Boomer

            • +5

              @ThithLord: You pass a lot of judgement in each comment you make

              Tbh you would make a good landlord with that attitude

              When the grandparent you live with passes you can always sublet 😏

              • -5

                @PensionerXXL: They've all passed - nice try, tho.

                You had to resort to an absurd hypothetical to justify OP being discriminated against - look up the definition of discrimination, buddy.

                Do you need a grandson who ignores you to show you how to Google something?

                • -1

                  @ThithLord: i think you should learn to read tbh, you honestly seem very upset that you couldn't push a discrimination narrative from my hypothetical
                  not sure why you need to make such discriminatory posts :(

                • +2

                  @ThithLord: What protected attribute was the basis for the discrimination? What evidence is there that is was because of this and not a different reason?

                  • -2

                    @Hardlyworkin:

                    What protected attribute was the basis for the discrimination?

                    None - do you understand what the word 'discrimination' means, mate? Do I need pull out a LMGTFY link?

                    • -1

                      @ThithLord: I see there is a glaring difference between your understanding of what discrimination is and what needs to be proven through a legal avenue.

                      • @Hardlyworkin: lol you guys aren't anywhere near as bright as you think. Where on earth did I say that OP was legally discriminated against? I never said that, nor inferred it.

                        • @ThithLord: Ah ok, similar to how you are morally bankrupt, not legally.

                          • -1

                            @Hardlyworkin: lol this just in, commenter sticking up for the little guy is the morally bankrupt one. Right. Another big-brain comment

  • +1

    She said she will email me the lease agreement later this afternoon

    Until you have a signed lease agreement, you don't have a lease. Same goes if you changed your mind.

    Sorry to hear about you getting messed around like this.

  • +3

    Sucks OP, sorry that happened to you.

    Don't be reading texts while you are driving though, keep off your phone

  • +6

    Bond Loan is why you were rejected here. If you need a loan for the bond of a property, you probably can't afford to rent it either..

  • +6

    Personally i would take anyone else over someone who'd need to take out a loan for a bond.
    If you're living that close paycheque to paycheque then maybe a cheaper house may be in order.

    • +2

      To be fair, what if it was already the cheapest house? I mean rental rates are bonkers atm. I remember being a graduate, and rent was like 65% of my post tax income… Pretty well the cheapest house available. And that wasn't during a rental crisis.

      • Move further away.
        Move to a more undesirable location.
        Move in with another person.
        Move in with another 2 people.
        Move in with another 3 people.
        Move in with another 4 people.
        Get a second job.
        Get a third job.

        There are many options.

        • -1

          why isnt having 10 kids for the centrelink money an option here?
          10 kids + 2 bedroom rental = profit ?????

          • @PensionerXXL: Looking at Australia's population growth rate we probably should be giving people with 10 kids houses. Either that or stop complaining about being the only white person on the bus being the new normal.

  • Probably should have that face tattoo removed :P

  • -5

    Is the OP any worse off than before?

    No contract has been offered or signed, zero financial loss incurred.

    This is just the OP's feelings that's all.

    The REA didn't have to lie, they should have just said they found a better tenant and it would still be alright.

  • +1

    Op seriously why would you say you are using a bond loan ? Those are enough red flags that cause you to lose the opportunity to get the lease .
    You are competing with people who will pay 12 mths in advance to get the lease for the record.

  • +4

    Never be honest with an REA when they can’t show that simple courtesy to anyone else.

  • +1

    Hi,

    Try phoning https://tenantsqld.org.au/need-advice/

    I'd suggest you look at renting privately and direct without Real Estate Agents.

  • +3

    FYI guys, I am of East African background, I wouldn’t say the owner or the real estate discriminated against because of my ethnicity. They would have seen my photo ID and Passport. Also I have used bond loan application in the past and it worked fine.
    I could have paid 3 months in advance easily, but I don’t want to bribe REA especially when I thought I have been selected out of many other applicants.

    Any ways it’s all good, lesson learned, thank you for your inputs.

    • +2

      Good luck mate

    •  Burundi
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      • +1

        Starts with S and ends with N 🤣

        • +4

          Sweden ✅

    • +4

      a better tenant

      A comment above used this term.

      As a landlord, it's clearer to use the term lower risk tenant. Put yourself in the landlord's shoes. If you could choose between a tenant who could pay the rent down the track or not, who would you choose?

      You can call it discrimination or whatever you like. Banks and other businesses do it, and so do landlords. If you put yourself in the other party's shoes, you'll make it easier for yourself to secure a place.

    • +2

      I could have paid 3 months in advance easily, but I don’t want to bribe REA especially when I thought I have been selected out of many other applicants.

      yet

      and if they accept bond loan and she yes they accept bond loan

      I'm so confused, so if you have the money why are you taking out a loan?

    • +1

      You're not bribing them if you pay in advance etc, you're just incentivising them to go with you instead of someone else. And showing you can pay the rey.
      Years ago when my so and I were having no luck with getting our first rental we offered 3 months rent in advance and it got us the place
      Previous we were a higher risk as had no rental background.

    • +2

      I am white and English

      Ipswich is the racist capital of Australia. The bogans round here are bigoted and mentally deficient. Go and check out the Facebook groups in this area

      About 3 years ago We decided to move and I went to see a place on my own and an hour later had a call saying We had been approved

      I took completed paperwork with me to the viewing

      During the viewing i asked that the wife that the wife came to see it the next da She is Thai and 20 years younger than me..still in her late 30s though

      We went to view the house together said it was great again and said we would go home to email the exact moving date when we check the calendar. We gave an estimsted date at the 2nd viewing

      The house was only 10 minutes from ours and I don't even think we were halfway home think when we received we received an SMS from the The woman at the inspection telling us our application had been declined

      Literally the only different thing that had happened in the 2 inspections is that I took my Thai partner along

      You only have to hear the parents at our local school to know what the attitude is to the Sudanese and other African communities and other African community members around here

      Sometimes we still get people saying things to us in the street like you didn't have to buy her or things like that.. The last time was at riverlink

      When you live with low lives you have to put up with low lives and and these people unfortunately are also property managers

      My guess is the owner found out what your color was or something like that.

      You must have a lot of patience

      • The owner would have seen my Photo ID ie Driver's license and Passport before approving me for property.

        • Hmmm ok.. That doesn't change my general observations of Ipswich…

          I hope you find somewhere

      • No directed criticism or malice, but from face value old white man with much younger thai wife usually gives creep vibes.

        • -3

          Idiot..offence taken

          • @Motek Benzona:

            No directed criticism or malice

            I'm just letting you know that it's not likely that it's racism towards your thai wife. If there is prejudice, it's likely to be towards yourself.

            • -1

              @Juice-Wa: Naaah…its both of us. This is Australia..home of the inbred racist.

              • @Motek Benzona:

                Australia..home of the inbred

                I've deducted that it's highly likely you have been profiled as a racist, intolerant, perverted old man. You should lodge a complaint to the RTA

                • @Juice-Wa: I think its more perverted having such a narrow view of relationships that you cannot consider people of different ages being together…hmmm lets say at least 11 years and then trying to use that as a justification for our experiences.

                  You obviously are not thinking straight and I would go as far as to say you are probably young and single with zero life experiences beyond online dating ;-)

                  Each to their own..enjoy tinder and/or only fans

                  • @Motek Benzona: I mean… I met my wife in person, didn't need online dating and didn't need to flash cash in a third world country. But sure

                    Just saying that as a general expectation and given my own experiences, those with relationships similar to yours aren't exactly the most comfortable of personalities to associate with.

                    Australia..home of the inbred
                    you are probably young and single with zero life experiences beyond online dating

                    Given your sour disposition, I'm not surprised you were rejected after they meet you. I suggest some introspection, your wife is a convenient excuse for the way people respond to you.

                    • @Juice-Wa: I bumped into my wife outside a shop in the street in 2012 on holiday. Thsts how we met…..so what? Whats your point?

                      Here you are producing more stereotypical guff in your own head as reality

                      Your attitude stinks…end of. I would much rather be aour than have your poor attitude

  • +2

    Sorry this happened to you. REA and landlords are scum. Unfortunately you won’t get much sympathy here from the ozbargain slumlords.

  • +1

    I live in Ipswich. Without exception at the moment real estate agents are acting even more scummy than they normally would…and that's a hard one to pull off given the low life's that usually run property management sections

    They seem to be on a power trip

    When you take into account how disgusting they usually are you will realise just how bad it has become

    In my 14 years in this dump i have met 2 decent property managers And every single agent in a house that we have moved from has tried to steal our bond, unsuccessfully I might add

    We have been in our current house 7 years and have a new real estate are acting like dicks and I'm taking them to QCAT. The house just got sold but we have a brand new lease

    They seemed to think that just because of the current market I would take anything they threw at me even when it was illegal but I am not like that

    You are gonna have to get used to this kind of treatment until the market turns on these people.

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