Right to buy (council house purchase)

sam4sam

My Mother has lived in a council house for over 15 years, she is entiteld to buy the council house, she would get a good discount up to £150,000.

But she cannot afford to buy the property. But I can, plus I am looking to get on the housing ladder.

I have been renting since age 18 so have not been in the council property with my Mother, is there any way that I can somehow buy her council house with the right to buy scheme??

Or would I have to get her to purcahse it on my behlaf and thus her lose her right to a council house again and lose her housing benefit?

Is there a way I can purchase the council property?

Thanks

Torry_Quine

The only person who can buy the council house is your mother and even if you gave her the money it would be her name on the deeds.

How on earth would you have the money and does she even want to buy it? Also she would now be liable for all the costs of upkeep.

sam4sam

Torry_Quine wrote: »

The only person who can buy the council house is your mother and even if you gave her the money it would be her name on the deeds.

How on earth would you have the money and does she even want to buy it? Also she would now be liable for all the costs of upkeep.

Well I have been working the last 8 years since uni (I am 29!) and she is happy to allow me to purchase as long as she has somewhere to live, but I am concerned that if I get her to purchase it etc she would be off the council housing list and I would be responsible for her housing in essence.

I wondered if there is anyway I could get round this as I was a previous occupant of the house

Torry_Quine

sam4sam wrote: »

Well I have been working the last 8 years since uni (I am 29!) and she is happy to allow me to purchase as long as she has somewhere to live, but I am concerned that if I get her to purchase it etc she would be off the council housing list and I would be responsible for her housing in essence.

I wondered if there is anyway I could get round this as I was a previous occupant of the house

So you have saved enough to pay for this council house, that's a lot of savings! As I said only she can buy it as she is the tenant and nothing can change that and she would not be able to change the deeds into your name without having to pay back the discount for several years.

Justicia

sam4sam wrote: »

but I am concerned that if I get her to purchase it etc she would be off the council housing list and I would be responsible for her housing in essence.

Well, she would have just bought a house, so would not need to be on the list.

leveller2911

sam4sam wrote: »

but I am concerned that if I get her
to purchase it etc she would be off the council housing list and I would be
responsible for her housing in essence.





I wondered if there is anyway I could get round this as I was a previous
occupant of the house

Simple logic would tell you that your mother buying her house (via you) she would no longer need(be entitled) the Councils help with housing.Surely she would live in the house for the rest of her days, you will pay for the maintenance and then if she needed to go into Residential care the house would be sold to pay for the residential care....If she sadly passed away before needing the residential home then you would likely inherit the house.

Or am I missing something?.........

moremore

sam4sam wrote: »

My Mother has lived in a council house for over 15 years, she is entiteld to buy the council house, she would get a good discount up to £150,000.

But she cannot afford to buy the property. But I can, plus I am looking to get on the housing ladder.

I have been renting since age 18 so have not been in the council property with my Mother, is there any way that I can somehow buy her council house with the right to buy scheme??

Or would I have to get her to purcahse it on my behlaf and thus her lose her right to a council house again and lose her housing benefit?

Is there a way I can purchase the council property?

Thanks

What makes you think that the discount will be up to £150K the maximum your mother will get is about £50k and this if she is living a flat but if its a freehold accommodation then it will be less. Have a word with your council but there is no way she will get £150K. Your mother should have a word with her housing department and also the RTB section of the council.

sam4sam

moremore wrote: »

What makes you think that the discount will be up to £150K the maximum your mother will get is about £50k and this if she is living a flat but if its a freehold accommodation then it will be less. Have a word with your council but there is no way she will get £150K. Your mother should have a word with her housing department and also the RTB section of the council.

The discount is repayable if you sell the house before 5 years, obviously we would not sell within 5 years, but also I have resesrched through the RTB site and the details have not been updated to reflect the 150k max discount but she is entited to the maximum 100k disciubt as she has been in council housing for about 15 years or so I believe, also it is semi detached and in the suburbs of London.

The ideal plan would be for me to purchase the house, do it up (it is in a bad way - I would expect the council to reflect the price of the property for this - so a discount of more than 100 or 150k would be appropriate as it is not comparative to another 3 bed, 1 bathroom house in the area etc).

We would sell it in 5+ years realising the profit of the doscount and of doing it up and I then would provide something for my mother to live in more suitable.

But it is a big step and I am only looking into the idea, there are obvious ethical dilemmas.

leveller2911

sam4sam wrote: »

We would sell it in 5+ years realising the profit of the doscount and of doing it up and I then would provide something for my mother to live in more suitable.

But it is a big step and I am only looking into the idea, there are obvious ethical dilemmas.

There is nothing to stop your mother looking into a Council exchange.She would the have a property more suitable for her needs...A sheltered accomadation flat for instance and that way her existing house can be let to a family in need.......That way everyone is a winner.............

Mojisola

sam4sam wrote: »

The ideal plan would be for me to purchase the house, do it up (it is in a bad way - I would expect the council to reflect the price of the property for this - so a discount of more than 100 or 150k would be appropriate as it is not comparative to another 3 bed, 1 bathroom house in the area etc).

We would sell it in 5+ years realising the profit of the doscount and of doing it up and I then would provide something for my mother to live in more suitable.

You can't buy it at a discount. You can give your mother the money to buy it but then it will be hers and in her name.

greenface

I think your figures are possibly wrong here . You will be better staying away from this sort of agreement as it can legally get fuzzy. Keep your mum out of it if she is gtting HB etc as she will lose more than gain . You have a decent deposit buy one on your own .