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Council Housing
3 Answers
My partner and i have been on the Council Housing list for 4 years and we have now been offered a house which we are accepting. (In Scotland)
It will be in both our names but i was wondering if it was possible to change it so it is in my name only? If so, will it affect the current offer? And is it a long, complicated procedure?
Also, does anyone know if we both have to agree to it? (Sounds bad, i know).
I would be greatful for any useful site with information on this subject.
Thanks in advance to any replies.
It will be in both our names but i was wondering if it was possible to change it so it is in my name only? If so, will it affect the current offer? And is it a long, complicated procedure?
Also, does anyone know if we both have to agree to it? (Sounds bad, i know).
I would be greatful for any useful site with information on this subject.
Thanks in advance to any replies.
Answers
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You should be able to change it from joint to sole once you've moved in, but normally you would need to wait say 1 yr.With regards accepting it or not, it varies from one Local Authority to another. Some of them will give you a certain amount of refusals before temporarily removing you from the list and some will let you refuse as many as you like.
If it's only you that is going to moving in I would assume that your application would have a different amount of points therefore you on your own may not be elegible to move in.
If it's only you that is going to moving in I would assume that your application would have a different amount of points therefore you on your own may not be elegible to move in.
There is another way
Two people go to work, don't spend all the money earned (this is called saving, its just one of the things banks are for) once you have proved you can do this they will offer you a mortgage. It can take 30 years or so to pay this back, but you own the property at the end of it. It is hard sometimes but worth it. If enough people do this in theory Tax should be less because you wont be partially paying for houses that are not yours.
If those two people split up one person can buy out the other or they can both sell up and take the money earned through a rising property market and buy a new house each.
Two people go to work, don't spend all the money earned (this is called saving, its just one of the things banks are for) once you have proved you can do this they will offer you a mortgage. It can take 30 years or so to pay this back, but you own the property at the end of it. It is hard sometimes but worth it. If enough people do this in theory Tax should be less because you wont be partially paying for houses that are not yours.
If those two people split up one person can buy out the other or they can both sell up and take the money earned through a rising property market and buy a new house each.
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