Advice needed about moving in with elderly grandmother!!

astonsmummy

I agree, why not just move in with her and rent your flat out, i think all areas are different, round here if you live with someone and they die or go into a home, the council rehouses you in a property suitable to your needs, exapmle, my firends mum and dad died, they had a 3 bed house, as he was on his own the council said he had to move to a 2 bed or less place.

kelticangel

krisskross wrote:

I think it is wrong for you to buy it. The property has provided a low cost home for your grandmother for decades, and now you want to buy it, so you can turn a profit on it. The house should eventually be used to provide a family home for someone unable to buy.

I would have had no problems with it had your grandmother bought it 20 years ago and continued to live in it but I feel you are taking advantage of the fact that you could buy a cheap house.

thanks for the advice but you are wrong with this! My intention would be to care for my grandmother hoping to improve her living conditions at the moment and lengthen her life, we were not in the position to buy her house that we are in now, my grandfather worked extremely hard on the garden which was his pride and joy before passing away and my mother, brother (with partner and 4 children) and several very close family friends border the property, and anytime someone passes on or leaves the area LA are housing undesirables in the area, who would destroy my grandfathers hard work. We live in a very bad area at the moment, my car has had tyre cut with knives and three houses broken into in the last 7 months - what else are we supposed to do to find decent accomodation that we can afford?

krisskross

kelticangel wrote:

thanks for the advice but you are wrong with this! My intention would be to care for my grandmother hoping to improve her living conditions at the moment and lengthen her life, we were not in the position to buy her house that we are in now, my grandfather worked extremely hard on the garden which was his pride and joy before passing away and my mother, brother (with partner and 4 children) and several very close family friends border the property, and anytime someone passes on or leaves the area LA are housing undesirables in the area, who would destroy my grandfathers hard work. We live in a very bad area at the moment, my car has had tyre cut with knives and three houses broken into in the last 7 months - what else are we supposed to do to find decent accomodation that we can afford?

I do understand what you are saying but what about all the families that have been on the waiting list for years with no hope of a property? Why can't you as suggested, move in to help her but rent out your flat so you have a home of your own still. I do not see why you feel the need to buy the property.

kelticangel

i know you are right about the housing situation im just feeling desperate!

Renting would be a possibility but not many people will stay long in the area we are in, and risk the possibility of having the house empty for a period of time? There are properties at the moment to rent that are unoccupied.

msw_2

bonnie is right - you are allowed one succession only so you need to find out if your grandmother/father were joint tenants. If so, you should be ok though I think you need to live there for a certain length of time (a yr or so) to establish your right to succeed the tenancy so there would be a bit of risk involved. You should check this with your local housing dept.
Re- benefits. You need to find out if your grandmother is receiving Attendance Allowance. If so this will protect her Housing Benefit from a deduction which would normally be made (called a non-dependant deduction). However, if she is receiving AA, she may be receiving some additional money via Pension Credit which you get if you receive AA and live alone. This is all quite complicated and you need to go get some welfare rights advice from a CAB or other advice agency - you will need details of all your grandmothers income/savings etc.

viktory

I strongly disagree with RTB, especially in the case above. People who genuinely need social housing are now having to wait for approximately 6 years for housing. The situation above will certainly not help and I do think it is selfish in the extreme.


Renting out your property and moving in to help is definately the better solution.

blossom30

kelticangel wrote:

i know you are right about the housing situation im just feeling desperate!

Renting would be a possibility but not many people will stay long in the area we are in, and risk the possibility of having the house empty for a period of time? There are properties at the moment to rent that are unoccupied.

Hi Kelticangel, Can I first of all say how very caring and thoughtful you are for looking out for your grandmothers' welfare.
As for buying her council property, if she is on DLA she can buy the property herself and get her discount. Her benefits are not affected and the mortgage interest is paid with the capital amount outstanding until such times as can be paid off. As mentioned in a previous post, your uncles cannot step in to claim the house in the event of your grand mothers passing, if she draws up a DEED OF TRUST and names whosoever she wants to get the property. Another thing worth mentioning is that in the sad event of your grandmother passing shortly after the property is purchased the 3 year rule of holding on to the property does not apply and the owner of the property can sell with immediate effect. Please talk to someone about this and move quickly as it is a situation that is firstly beneficial to your GM and also to you. win win situ shrewdal

astonsmummy

shrewdal wrote:

Hi Kelticangel, it is a situation that is firstly beneficial to your GM and also to you. win win situ shrewdal

but what about other people who actually need the house? the op is lucky to be able to own a property, there are many people out there who have unsuitable accommodation, surely these should be the ones to benefit?