Quizzes & Puzzles1 min ago
Housing Tenancy Transfer?
We have a Housing association house, have been in it for 39 years. Assured tenants.
Can we transfer the tenancy to my son?
He moved out to a house share , but is having problems with the other people who live with him.
If he moves back can we transfer our tenancy to him he was born here and lived here for 21 years.
What are the implications ? Would he 'inherit' our right to buy the house at a discount?
I realise some may say this is unfair ,but I think a prospect of giving him a house where he can purchase it at a large discount may be the only chance he ever has of getting on the 'housing ladder'. We live just outside Cambridge by the way where house prices are 'through the roof'
Can we transfer the tenancy to my son?
He moved out to a house share , but is having problems with the other people who live with him.
If he moves back can we transfer our tenancy to him he was born here and lived here for 21 years.
What are the implications ? Would he 'inherit' our right to buy the house at a discount?
I realise some may say this is unfair ,but I think a prospect of giving him a house where he can purchase it at a large discount may be the only chance he ever has of getting on the 'housing ladder'. We live just outside Cambridge by the way where house prices are 'through the roof'
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Shelter are very good at explaining this sort of enquiry and are easy to speak to.
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Eddie51
As MallyJ, has mentioned mentioned I also knew of a similar family who lived in a 3 bedroom Council House. The father was the original tenant, on his demise the tenancy passed to his wife, as agreed with the tenancy agreement. Their daughter who lived with them was refused tenancy of that house on the demise of her mother, as tenancy could only be passed on once. However the Council were obliged to re-house the daughter in an appropriate accommodation after the demise of her mother. In this instance as she was single and did not have children, that accommodation was a 1 bedroom flat. 5 years later, plus a few years she now has the possibility to buy the flat on the "Right to Buy" scheme. The discount is clearly defined on the "RTB" and will give her the foot onto the housing ladder. I think after 5 years the discount is 50% then 2% for each subsequent year.
I realise that it is not where your son would like to start on the property ladder, but at least it is a start.
As MallyJ, has mentioned mentioned I also knew of a similar family who lived in a 3 bedroom Council House. The father was the original tenant, on his demise the tenancy passed to his wife, as agreed with the tenancy agreement. Their daughter who lived with them was refused tenancy of that house on the demise of her mother, as tenancy could only be passed on once. However the Council were obliged to re-house the daughter in an appropriate accommodation after the demise of her mother. In this instance as she was single and did not have children, that accommodation was a 1 bedroom flat. 5 years later, plus a few years she now has the possibility to buy the flat on the "Right to Buy" scheme. The discount is clearly defined on the "RTB" and will give her the foot onto the housing ladder. I think after 5 years the discount is 50% then 2% for each subsequent year.
I realise that it is not where your son would like to start on the property ladder, but at least it is a start.
what are you actually trying to acheive eddie? If it's just to allow him to buy (if/when the right to buy comes in) i am not sure you can acheive this in the way you want. would he qalify for a tenncy from the HA in his own right? From what you have said, you are early 60s - you could live another 30 years
Could you afford to buy it now and leave it to him in your will?
Or could he chip in? ... I did this for an ancient relative , all above board and organised by a solicitor who put some sort of hold on the amount of money I invested so that it would be totally safe when the house came to be sold even if she didn't mention me in her will, or if she had to have care home fees taken out of it. The solicitor gave me the clear impression that he had done this many times.
Or could he chip in? ... I did this for an ancient relative , all above board and organised by a solicitor who put some sort of hold on the amount of money I invested so that it would be totally safe when the house came to be sold even if she didn't mention me in her will, or if she had to have care home fees taken out of it. The solicitor gave me the clear impression that he had done this many times.
Even if he comes back to live here and has to start his tenancy from zero,he will still earn a 'right to buy'discount after the qualifying period. He will still be a lot better off than paying rent for 1 room in a house share.
In the first instance the idea is he comes back to live here and we tell the housing association he is back living at home. We will lose some but not all our housing benefit ,so he just makes up the difference.
I looked up the housing benefit aspect a while back and we will lose around £35 a week in benefit. He is paying £150 a week for 1 room in his house share with bills on top !
In the first instance the idea is he comes back to live here and we tell the housing association he is back living at home. We will lose some but not all our housing benefit ,so he just makes up the difference.
I looked up the housing benefit aspect a while back and we will lose around £35 a week in benefit. He is paying £150 a week for 1 room in his house share with bills on top !
Ladyalex no chance of us getting a mortgage we only have pension credit income.
Getting him to 'chip in' and pay a 'right to buy ' mortgage is something I have thought about as well.
We have been here so long we qualify for the maximum rebate under right to buy, it seems silly to 'waste' such an opportunity.
Getting him to 'chip in' and pay a 'right to buy ' mortgage is something I have thought about as well.
We have been here so long we qualify for the maximum rebate under right to buy, it seems silly to 'waste' such an opportunity.
Been doing a bit more googling.
1 We do have the right to buy with the maximum discount of £77,900.
2.House is worth around £162,000 so £84.100 left to pay.
3 At current rates that is just under £400 a month ( full rent is £126 a week)
So if my son does move in and help us by being grantor for the mortgage it will cost him less per week than he is paying to live in 1 room of a house share.
Plus in 25 years he will be the outright owner of a 3 bedroom house.
I have also found that from 2013 all cash from right to buy sales HAS BY LAW to be used to build more social housing. So it looks like a win / win situation even from a moral viewpoint.
1 We do have the right to buy with the maximum discount of £77,900.
2.House is worth around £162,000 so £84.100 left to pay.
3 At current rates that is just under £400 a month ( full rent is £126 a week)
So if my son does move in and help us by being grantor for the mortgage it will cost him less per week than he is paying to live in 1 room of a house share.
Plus in 25 years he will be the outright owner of a 3 bedroom house.
I have also found that from 2013 all cash from right to buy sales HAS BY LAW to be used to build more social housing. So it looks like a win / win situation even from a moral viewpoint.
