Buy council house for mother in law

Dan-Dan

Love these threads , they make me reach for the toffee popcorn

Out,_Vile_Jelly

I'm sure one day the socio-economic effects (mostly negative) of the wretched Right To Buy policy will be studied by our more enlightened descendents.

teddysmum

Also, if the lady needs residential care later in life, subject to the size of her savings, at the moment she may be fully funded, but if she part owns the house, the value of her share will be required as a contribution to care costs.

-taff

CobaltBlue wrote: »

If you and your girlfriend have been officially resident at the property for one year or longer, then you can both apply for joint tenancy.

That all depends on whether the g/f can be a joint tenant.
Is is definitely council or HA?

System

CobaltBlue wrote: »

OP - where is your official residence, for council tax etc?

Do you mean that your girlfriend is living with her mother?
You say mother in law, but you're not married, so I'm not certain of the situation.

If you and your girlfriend have been officially resident at the property for one year or longer, then you can both apply for joint tenancy. .

That is assuming that there has not already been a change of tenancy (I.E MIL & FIL joint tenants and FIL dies so tenancy changes to MIL only). Most councils/HAs limit tenancy changes to one to prevent a house being handed down via rolling tenancies.

System

CobaltBlue wrote: »

What if the tenants exchange properties?
Do they carry their tenancy terms with them, or does it start from fresh in the new property?

Slightly off topic, but if a single private tenant (on AST) gets married, does the spouse automatically gain the right to joint tenancy?

I'm sure I recall reading that marriage gives the spouse joint tenancy rights.
ie 50/50 property rights on marriage is law and trumps any adverse contract terms the landlord may have imposed etc.

If it is an AST then the spouse gets no rights whatsoever unless the LL is willing to renegotiate the contract.

As it is only rented then 50/50 doesn't come into it . That only applies to stuff OWNED by the couple.

Running_Horse

This forum has a search function.

Pixie5740

CobaltBlue wrote: »

I'm sure I recall reading that marriage gives the spouse joint tenancy rights.
ie 50/50 property rights on marriage is law and trumps any adverse contract terms the landlord may have imposed etc.

When the tenant marries someone not named on the tenancy then the person not named on the tenancy gets home rights. This is not the same thing as being a joint tenant and named on the tenancy agreement. Home rights end when the marriage ends and/or when the spouse named on the tenancy agreement no longer lives in the property.

It is unlikely the council will allow the girlfriend to become a joint tenant and the OP doesn't stand a snowball's chance in hell of becoming a joint tenant.

I think only those named on the RTB application can be named on the mortgage but I could be wrong.

[Deleted User]

I wonder why you can have two children with your gf.., have two properties but not have you and your gf living in one of them? Or work something out based on the properties you have (horror, you could sell them if they aren't big enough and buy a property for your family). Instead you propose to take another house out of social housing, get a property on the cheap and ultimately leave your gf's mother with a few risks to deal with. What happens if you and your gf break up? Does the mortgage stop being paid? Do you try to sell the property and all that brings with it?

If there's no risk of that happening, marry her and buy a property for your family. You have two children after all.

-taff

I think [and I'm not one hundred percent sure] that the only people who can become a joint tenant are a spouse or a partner and that's only if the tenancy hasn't already been passed on once as has already been described from FIL to MIL for example.
There is no automatic right to become a joint tenant and it's not likely that your girlfriend can be.

You could gift your MIL the money to buy the house but it's totally up to her what she does with it, but again, then you're looking at a whole host of other stuff such as deprivation of assets....