How to get pen off a leather suite please? RIGHT TO BUY: As a council house tenant, you can usually apply to buy your council home providing:. Yet we still couldn't afford a mortgage. A person on remand can receive Housing Benefit for up to 52 weeks from the date on which the absence started If they are then convicted, they will fall under the 13-week rule If the person claiming has a partner, we may ask the partner to claim benefit during the period of absence. I am sorry for so many questions, but my family and I are both worried about the stress involved in putting a case on intent to purchase together for DWP, and rushing into house move if they can both be avoided and I can remain indefinitely on the reduced benefit with the future possibility of getting the addition back if needed. Pregnancy symptoms but BFN on day of missed period. It's just a friend of mine decided to buy her flat from the council and she is on benefits and she got a mortgage. I am a first time mum and I have just started maternity leave and I live alone. I am on benefits as I'm a single mum so I get income support, child benefit and child tax credits and I also have housing benefit. with a spouse, civil partner or other joint tenant. Right to Buy allows most council tenants to buy their council home at a discount. With much uncertainty surrounding H-1B visa renewals and extensions, however, you have to consider whether it is a good idea. How to get rid of tea/coffee stains on cups. Mortgage Application Gone to Underwriters, Waiting for mortgage offer after receiving valuation report. You can accept the offer we made, convert your application to a shared ownership application (Social Homebuy), ask for the value to be re-determined independently or you can withdraw your application. However, you best consult a lawyer. I want to sell a rental home that belongs to me and my wife. ; You had a public sector landlord for three (3) years (e.g. There are several reasons for it the main one being that benefits system won't pay a mortgage regardless of how logical it seems, they will pay the interest if you already have a mortgage but only for a limited time until you either get off benefits or sell the property, they then look at your claim again to see if you have netted enough to live on. Remember that even if you did manage to secure a mortgage, as owner you'd be responsible for everything in the house. What can I do if I don't agree with your decision? I am however confused that you are on IS and pay a rent of £60 per week, if you could afford this you would be unlikely to be on IS, or do you mean that it what the rent is and it is being subsidised? Hi Stuart J My father recently passed away and has left my mum sitting in a two bed council house, so before the council move her on I would like to buy my mothers house as she has the right to buy… How would you pay a mortgage? 2-3, HB(SPC) Sch 6.1-3; CTB Sch 5.2-3, CTB(SPC) Sch 4.1-3] If capital from the sale of a house is kept for a house purchase, it is not counted for up to six months, or longer if: - major repairs or adaptations are needed for you to occupy your home The government expects non-dependants to pay a share of your housing costs and your Council Tax, and lays down set amounts which we must take off your Housing Benefit and Council Tax Support in some cases. alot working can not afford it, the only benefit you can get a mortgage on is WORKING and family tax credits, need i say more there is far too many people like you who want hand outs! Did you do anything to help yourself get somewhere? The Right To Buy scheme allows secure tenants of council homes and housing association properties I doubt also if your figures are correct because your rent is only one aspect of your claim, you probably get housing benefit and council tax benefit all of which you would have to pay on top of the mortgage. I am not on any benefits or anything but have opened a universal credit claim for when the baby is here December 30th. ? It is a self-contained property. When I left, I no longer had to pay Council Tax, but due to my age 26 I have to pay £8 a week rent and their Housing Benefit entitlement increased. You wouldn't get Housing benefit. You'll probably have to claim Universal Credit instead of Housing Benefit after moving. You won't receive any housing benefit because the government doesn't pay mortgages. I have lived in my house for 4 years now you have to make sure you have all your paper work or it slows the process down. This website contains a number of practical tools to … Do mortgage companies require proof of tenant insurance if you are renting the home to a third party? Even if you are a temporary worker in the US, you can buy a home. I am just wondering whether there is a chance I could get a mortgage on a flat or house? It might be. How long did it take you to get a council house. If you move to live in a different council area, your Housing Benefit claim will end. Or could I use the inheritance money to buy myself a new house to live in. Sorry, shouldn't think so, mortgage providers are not allowed to take incapacity and DLA into consideration. They would have to base your mortgage calculations on unreliable sources - sources that will change as your children get older. my deposit was 10,000 it is true they are getting stricter. I have a mortgage pretty sure you have to be working ring a mortgage company they will give you lots of advice. a council, a housing association, or the NHS trust). If you are not working your rent could not be £60 you would only pay the water rates about £4.00 a week. The council will write to tell you how much your new Housing Benefit payments will be. Where is the best place on Reddit for Renting & Real Estate questions? There are 2,000,000 plus of us who have been given a massive discount to buy a coouncil house - My sister bought a nice 3 bed Council House for circa £30,000 in the last decade and it … You can challenge the decision if you think they’ve made a mistake. You’ll need to notify us of your decision by returning the intention form within 12 weeks (which you’ll receive with the S125 offer notice). Even working we got accepted for 90 grand mortgage but that isn't even enough to get anywhere.. Can an apartment complex deny you based on previous history with them? If you are on income support your' rent is paid by DSS. Can you please help me with a good guidance sir so as to see if I can be of I'm sorry if I offend but Getting a mortgage when on housing benefit is poss the daftest thing iv read on here..surely HB is for ppl that can't afford to pay their rent never mind buy their own house! How do I know if I’m eligible for Right to Buy? As I have read online that some people on … I am the executor of her Will, but am on Income Related ESA, DLA and receive Carers Allowance for my daughter. I wouldn't be complaining about the rent you're paying, I have to rent privately and pay £600 a month! It is more or less the same thing but after 65 it is called Attendance Allowance. Council Tax Benefit: "Earmarked capital [HB Sch 6. Can someone help me please. my parents are claiming income support but i saved 12000 to give them as a gift to buy their council house i can lend them the rest will this affect their benefit Our house is Council. If I buy my house now, I could sell with a £75,000 tax-free gain. How to get the smell of sick out of a carpet? I wouldn't imagine so. my wife is on incapacity benefit @ also gets attendance allowance.i myself get income support.our rent is £60 pre week but morgage would be £43. Get your answers by asking now. Council Housing. I am on benefits as I'm a single mum so I get income support, child benefit and child tax credits and I also have housing benefit. To find out exactly what discount you might be eligible for, you can use the government’s Right to Buy discount calculator . If you don't know don't answer. Even asking this question, in some quarters, could cause jealousy, my advice to you would be to keep quiet about it, because you might be very genuine people but not too bright, if you think that it would not cause an outrage if it was known that you are on benefits, and buying a house, regardless of the state of your health. Find out if you have the right to buy your council home at a discount. Why should tax payers buy you a house??? My daughter receives DLA, and my partner receives CA for looking after me (he is also included in the ESA claim). I have heard that some people who aren't earning can still get a mortgage. No mortgage lender takes just benefits into considerations, some take partial benefits in, upto 80% of the benefits but that is only when one of the applicants is working and has a guaranteed income, plus when applying for a mortgage you would both have to be credit searched and this would be used to determine what level of interest you would have to pay on your mortgage, there is no way you could already know that you would be paying £43 a week before this had been done. I'm sorry but how would you afford to pay a mortgage on income support, child benefit and tax credits? Some one is always asking this question and the short answer is " No". You probably have the Right to Buy if you’re a secure … Do all tenants make renters sign a lease? Most people I know recieve ing these benefits can barely afford to out food on the table and pay the bills! There will be no changes to other Yahoo properties or services, or your Yahoo account. How an earth could u find a 10 grand deposit living on benefits? However, don't just go to any practice,ensure it is a legal firm that specialises in conveyancing. Whilst your wife is ill and obviously can't work, can't you find a job which would then allow you to borrow the money? You have a secure tenancy agreement. She only asked a question and there are very few nice comments. You can get a discount on the market value of your home when you buy it if you qualify for Right to Buy. Can you add someone to your council tenancy? My Girlfriends just got a council house for her and her little girl and wants me to stay over, she claims housing benefit and child tax as she can only work 25 hours around the little one. There are lots of government schemes which may be able to help you buy a house even if you are on benefits, they include: Lifetime ISA– gives you a government bonus of £1,000 if you save the maximum £4,000 a year. You usually need to challenge the decision within 1 month after the date they told you they were reducing your Housing Benefit. Yes, you can add your son or daughter to your council tenancy but you will first need to get written permission from your landlord. Contrary to what a lot of people have told you, my daughter is a lawyer and here in Scotland you can buy your own house on benefits, I am unsure how it all actually works but it is often cheaper for the DSS (not what it is called now) to pay an Interest Only Mortgage. Think the only people who can buy their council houses are those who have paid the rent themselves, otherwise thet house would be being paid for by the state. I am currently in rented accommodation and if bought a house I would actually be paying out less in rent each month, so I understand her question. The Government’s Right to Buy Agent service also offers free and impartial advice on Right to Buy and, if you decide home ownership is the right choice for you, our advisers can help you through the process of buying your home. For a fortysomething whose net worth dips below £750 in a bad month, the idea of being worth £75,000 is very tempting. Even families where both are working struggle to get a mortgage because you ned a huge deposit these days. Also, if it was acceptable then everyone would just give up working to own a house. I think it depends on your council rent contract and their policies. There is no way on benefits u would get accepted for a mortgage. The home is your only or main dwelling. My oh works full time,I can't due to disability but he earns ok.. Just wondering if anyone knows what I can claim for example help with rent as my rent is 495 a month and council tax 95. You don't know where Tara lives and how much the rent costs so how about some positive answers people. This will then create a joint tenancy. And giving us security, saving me money and meaning that we can get a house that is suitable for us all long term! You may be able to buy your home at a discounted price under the right to buy for secure tenants. I know of somebody who is renting their council house to their daughter while she stays at her friends and will then be travelling for a year. Many H-1B visa holders want to buy a house but still hesitate because of their visa status. The whole idea of "Benefits" is supposed to be a stopover until you are fit enough to get back to work, buying property is not part of that situation, as I said, no matter how logical it might seem to you at the time. You can find more information about the Yahoo Answers shutdown and how to download your data on this help page. If you qualify, you can buy your home: by yourself . Lastly I can see your thinking in a £17 per week difference, ie saving.... but try to keep in mind it is the tax payer who is paying your rent, and probably you if you have paid tax for many years; and on that basis I think few would wish to pay a mortgage for you as I'm sure you would feel the same if both you and your wife were in full time employment. Right to buy a council home. Make sure your wife is receiving the right benefits to avoid an recoverable overpayment which may cause possible problems later with a mortgage lender. You can get Housing Benefit as long as you want to go back to your home at some point and the council thinks it’s reasonable to pay for both the hostel and your home. The maximum discount is £84,600 across England, except in … I think this is completely wrong as there my wife is on incapacity benefit @ also gets attendance allowance.i myself get income support.our rent is £60 pre week but morgage would be £43 All the facts I am giving you may not be 100% accurate and again I am unsure what happens in other parts of UK. https://www.coventry.gov.uk/info/54/benefits/1382/housing_benefit_and_council_tax_support I doubt if a mortgage lender would be willing to lend you the money on the basis you are both on benefits, even though the figures stack up for you. When I was working I had to pay about £250 a month Rent + £50 Council Tax, my parents got the rest in Housing Benefit. She has done this so her daughter can save up a deposit to buy a house with the money saved versus private renting. The cash is from selling her house last year. You can use any of the Government schemes below to buy your council house while on benefit but there are two main schemes which target those who live in council houses and are recipients of benefits, these are the right to buy scheme and the preserved right to buy. Missing submarine is found, broken into at least 3 parts, UFC 261 fight ends instantly with horrific injury, Half a year after Trump loss, Ariz. GOP does a recount, Ashley Cain's baby daughter loses cancer battle, Ex-employees of Scott Rudin tell horror stories, L.A. police fatally shoot man wearing body armor, Millions are skipping their 2nd vaccine doses, History nerd discovers rare Barbie dolls in attic, Michigan's COVID wards fill up with younger patients, Fans hardly noticed country star's big catch, 'He will rest in peace': Stars honor DMX in Brooklyn. Mortgages are available for people on benefit as long as you can show you can afford the repayments, Im a little surprised your wife is getting both IB and AA. Still have questions? Should I thank everyone in the real estate section for convincing me to go into real estate? First of all if your wife is on IB it is probably DLA - Disability Living Allowance she receives. I would check with a mortgage broker but with no income apart from benefits doubt if these would be enough to service a mortgage - You wont get housing benefit with a Mortgage. Government schemes which can help you buy a house. Yahoo Answers is shutting down on May 4th, 2021 (Eastern Time) and the Yahoo Answers website is now in read-only mode. How could u find hundreds of pounds a month for a mortgage payment? Sorry I can't answer your question Tara but good luck finding out . If you are a single working parent in receipt of income support I would guess it would be possible as you are working but you need a large deposit these days when purchasing a house. If I’m a real estate agent, can I look at the MLS on my cell phone . Basically, he has sold a property and is in a position to offer to buy a house for me and my 2 children that would be mortgage and rent free, in effect he wants to give me my inheritance while he is still around to see us enjoy it!! As far as I can see I can either tell the DWP about the inheritance and no doubt lose all benefits while I rent somewhere and basically live off the inheritance money until it runs out in a few years and then start the whole routine again of putting in a new claim. She has dementia can I sign for her and myself? The government won't pay for you to buy your own home. The way mortgages are approved is becoming stricter and stricter. I'm actually laffing at this , How nice of you all to have a go at Tara when you have no idea of her circumstances. Use the eligibility checker on the Right to Buy website to find out if you can apply. The Right to Buy discount varies depending on where in the country you live, how long you’ve been a council tenant and whether your home is a house or a flat. IB is payable to working age people (under 60) and AA is payable only to those over 65. Will my award be affected if I have a non-dependant living with me? Hi, I am due to inherit about £100,000 from my mother, after various care home and legal costs, etc have been paid. Oh works full time, I ca n't due to Disability but he earns ok Allowance she receives belongs. Mortgage, as owner you 'd be responsible for everything in the real agent! Company they will give you lots of advice but he earns ok buy a house unreliable sources - sources will... ' rent is paid by DSS challenge the decision if you did manage to secure a mortgage because ned... Accepted for a mortgage, as owner you 'd be responsible for in! Proof of tenant insurance if you think they ’ ve made a mistake and I have a non-dependant living me... 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