Putting Name On Council Tenancy

Yorkie1

no1wf wrote: »

I know the mortgage lend is a struggle I've said that, but I'm pretty sure if my Dad applied for RTB I'm allowed to apply with him, it says so on the form itself

What exactly does it say on the form?

blckbrd

Racml34 wrote: »

It will be on his tenancy agreement whether it is secure or assured. In either case unless he has rent arrears or any other breaches of tenancy there are no grounds for possession. Therefore you really have no need to worry if you do leave as long as he can afford the rent. The only thing you need to remember though is that when you leave he will be under occupying by 2 rooms instead of one and his housing benefit will be reduced by 25% until he reaches pensionable age. If this makes it unaffordable then he would need to consider moving to a smaller property

He is a council tenant of around a quarter of a century standing. Councils give assured tenancied do they?

'Hi, I'm a Housing officer' implies you have some expertise. I'm sure you do in HAs.

Racml34

I'm not sure you needed to be so rude blckbrd. I clearly misread the original post and missed the fact that he was a council tenant. In that case yes he clearly has a secure tenancy. Apologies for my mistake.

duchy

OK Lets try this again......

Assuming that you with your part-time job and your boyfriend with his temporary job somehow manage to get a mortgage on your father's flat and manage to get RTB approved here's a few scenarios

Boyfriend gets offered his dream job in his field in say London ......so you want to move away. You can't sell the house -as it'd leave your Dad homeless-yet you can't afford to rent or buy in the new area *and* pay your mortgage on this flat.

You and boyfriend decide to start a family -I believe you said it's a 2 bedroom flat so bedroom for Dad and bedroom for you and boyfriend -where's the kids going to sleep ? You can't move to a bigger property as it'd leave Dad homeless. Your Dad isn't yet sixty - he could live for many more years -my partner's Dad is ninety and still drives -gets out and enjoys life. Would you give up on the idea of having children just to save a few thousand on a RTB ?

You and boyfriend split up -He could force the sale of the flat to take his third back

Dad's health gets worse and he can#t manage at home and needs to go into a care home and some years later dies. The flat would be sold after his death to pay his care home fees and you and BF would get to keep anything that is left -as Dad's names are on the deeds -nothing you can do about it.

You get ill or have an accident and die. Would your boyfriend want to continue living with your Dad and possibly having to care for him if you were no longer around ? Would your Dad even want him to ?

You mentioned earlier how your friends moved out from home and rented or bought -these are the kind of reasons why they didn't stay at home and try to do what you are proposing !

squinty

no1wf wrote: »

I live with him, we get housing benefit but it's 14% (I think) less than it used to be because of our spare bedroom. I pay £20 towards the rent each week does that still count?

I think you need to have a sit down and talk to your dad about money.

It might be helpful to try to explain how your dads benefit is worked out. Obviously I don'k know the full details, so I will need to made some assumptions.

Assuming that the rent up until April was £95 and you have a groos income of £200 per week. This would mean that your dad had a deduction made from his HB of £36 per week.

However from April assume your rent has gone up to £100 per week. However since the introduction of the bedroom tax the maximum benefit payable is reduced by 14% - in this example he must pay £14 per week. However the non-dependent deductions have also changed. From the new year the deduction for someone with the same income has increased to £42.90 per week. This means that between you you need to be paying £56.90 a week - which is a big jump. Remember this is only the contribution towards the rent - there will also be council tax / gas / electric / water / phone and other bills.

(Take a look at https://www.solihull.gov.uk/benefits/24482.htm to see what the levels of deductions are)

I understand you anxiety about the long term situation for your dad. However you also need to look at the short term facts.

I doubt many people will feel that you are being fair at the moment. Giving your dad £20 per week is simply not enough.

Also if my assumptions about your income are right (based on what you have said about the non-dependent reduction in benefit) it is very unlikley that you will be able to afford to pay a mortgage / repairs costs and other bills from your current income.

However, as others have said - as long as you ensure the full rent is paid there is no immediate threat to your dads tenancy. Forget about putting you name on the tenancy. Forget about the Right to Buy. But do focus on being fair to your dad right now. Only then should you start thinking about what you want to do in the long term.

Good luck

Mojisola

no1wf wrote: »

That was my original plan, but then Mum died and I don't want to leave Dad alone. He has random coughing fits and he'll go purple in the face and if he choked or something and I wasn't there I couldn't live with myself.

If you're out at work, you're not with him all the time. Wouldn't it be better if he was in a sheltered housing scheme where he would have help on call 24/7?

no1wf

Yorkie1 wrote: »

What exactly does it say on the form?

Part B is where you list the names of the tenants of the property which would be Dad, and part C says

'Family member(s) sharing the right to buy
If you wish to share the right to buy with anyfamily member who is not a tenant, give their details below:'

'You may share the right to buy with up to three family members who are not themselves tenants, if the property is their only or principal home.'

duchy wrote: »

OK Lets try this again......

Assuming that you with your part-time job and your boyfriend with his temporary job somehow manage to get a mortgage on your father's flat and manage to get RTB approved here's a few scenarios

Boyfriend gets offered his dream job in his field in say London ......so you want to move away. You can't sell the house -as it'd leave your Dad homeless-yet you can't afford to rent or buy in the new area *and* pay your mortgage on this flat.

You and boyfriend decide to start a family -I believe you said it's a 2 bedroom flat so bedroom for Dad and bedroom for you and boyfriend -where's the kids going to sleep ? You can't move to a bigger property as it'd leave Dad homeless. Your Dad isn't yet sixty - he could live for many more years -my partner's Dad is ninety and still drives -gets out and enjoys life. Would you give up on the idea of having children just to save a few thousand on a RTB ?

You and boyfriend split up -He could force the sale of the flat to take his third back

Dad's health gets worse and he can#t manage at home and needs to go into a care home and some years later dies. The flat would be sold after his death to pay his care home fees and you and BF would get to keep anything that is left -as Dad's names are on the deeds -nothing you can do about it.

You get ill or have an accident and die. Would your boyfriend want to continue living with your Dad and possibly having to care for him if you were no longer around ? Would your Dad even want him to ?

You mentioned earlier how your friends moved out from home and rented or bought -these are the kind of reasons why they didn't stay at home and try to do what you are proposing !

I agree with you on the first scenario, however boyfriend is a computer games designer so it is unlikely.

It's a 3 bedroomed house so plenty of room. I understand other people know over 60's that are very capable, my dad is capable of similar things but he gets extremely out of breath after doing them

He's not that cold hearted and he really likes my Dad, even if he for some reason hated me I doubt he would do that but I understand what you mean

Good points, not something I had considered.

To be fair most of them got pregnant and got council housing, one rented with her boyfriend and then split up and is now back home but I think her parents own that house anyway.

squinty wrote: »

I think you need to have a sit down and talk to your dad about money.

It might be helpful to try to explain how your dads benefit is worked out. Obviously I don'k know the full details, so I will need to made some assumptions.

Assuming that the rent up until April was £95 and you have a groos income of £200 per week. This would mean that your dad had a deduction made from his HB of £36 per week.

However from April assume your rent has gone up to £100 per week. However since the introduction of the bedroom tax the maximum benefit payable is reduced by 14% - in this example he must pay £14 per week. However the non-dependent deductions have also changed. From the new year the deduction for someone with the same income has increased to £42.90 per week. This means that between you you need to be paying £56.90 a week - which is a big jump. Remember this is only the contribution towards the rent - there will also be council tax / gas / electric / water / phone and other bills.

(Take a look at https://www.solihull.gov.uk/benefits/24482.htm to see what the levels of deductions are)

I understand you anxiety about the long term situation for your dad. However you also need to look at the short term facts.

I doubt many people will feel that you are being fair at the moment. Giving your dad £20 per week is simply not enough.

Also if my assumptions about your income are right (based on what you have said about the non-dependent reduction in benefit) it is very unlikley that you will be able to afford to pay a mortgage / repairs costs and other bills from your current income.

However, as others have said - as long as you ensure the full rent is paid there is no immediate threat to your dads tenancy. Forget about putting you name on the tenancy. Forget about the Right to Buy. But do focus on being fair to your dad right now. Only then should you start thinking about what you want to do in the long term.

Good luck

My income is a lot less than £200 a week, but I remember dad used to take around £60 with him to the post office on a wednesday, that might have been for rent but again I dont know why its gone down now

I don't understand that link, is that what I'm meant to pay or what is being deducted? And from what?

I know I wouldn't be able to afford a mortgage on my current income, I wouldn't try anything unless I was working full time.

Mojisola wrote: »

If you're out at work, you're not with him all the time. Wouldn't it be better if he was in a sheltered housing scheme where he would have help on call 24/7?

I only work 4 or 5 hours a day, and I have an agreement with my manager that I'm allowed to keep my phone and car keys in my pocket incase he rings me, then I can be straight out the door and it's only 5-10mins down the road.

System

So even if you did follow the right to buy route, Between you and your father you are still incapable of servicing a mortgage of sufficient size to buy the property, not forgetting the fact that the mortgage will be short term (probably less than 10 years) due to your father's age with a correspondingly high monthly payment

You need to look at the deductions from your father's benefits due to your residence in the house and that should be the absolute minimum that you should be paying in rent to your father not forgetting to add on extra for electricity/gas council tax etc.

no1wf

!!!!!! wrote: »

So even if you did follow the right to buy route, Between you and your father you are still incapable of servicing a mortgage of sufficient size to buy the property, not forgetting the fact that the mortgage will be short term (probably less than 10 years) due to your father's age with a correspondingly high monthly payment

You need to look at the deductions from your father's benefits due to your residence in the house and that should be the absolute minimum that you should be paying in rent to your father not forgetting to add on extra for electricity/gas council tax etc.

I know that, I've said already that I wouldn't start anything unless I got more contracted hours at work and one of the points of this thread was asking if a mortgage with someone who is 60+ is possible. I knew it would be difficult to get but I just wanted some opinions and I definitely got them lol

I agree that I should probably help more financially but he's always said if he needs money he'll ask for it and he's only just started asking for rent. Even if I moved out he would still be using his jobseekers to pay for the rent and shopping, I don't know if he would have to pay more of anything because I'm not there, if he would get any more benefits, I know his housing benefit would be cut more due to another spare bedroom and he'd still have other bills to pay.

Joyful

I would suggest you check if the council tax is being paid. I don't think your dad will need to pay if he is on benefits but you should have been paying . If you don't sort that out your dad could be fined.