rtb

tab99_uk

Ember999 wrote: »

I am sat in bed here in my privately owned (bought on a very large mortgage) home and having just read this thread was so angered by some of the unfair comments I wanted to give my opinion for what it's worth...I state that I am a homeowner, who is quite well off for a reason - I don't live in a council house, yet I am supporting the 'Right to Buy' scheme in the United Kingdom!

I see some of you unfairly criticising a person who wants to better themselves by buying their own home. AND why shouldn't they want to? Every man and woman in this country, if not the entire world (or most of them!) aspire to buy their own home to give them security, self worth and a feeling of achievement throughout their life. Some want to have something of value to leave their children on their death. If someone starts life in a council property due to not earning very much or bad circumstances they are stuck renting for the rest of their life! Should their situation change and they become more affluent why should they not receive a discount for all the rent they have paid to live in that council house? We are all stung monthly by tax, council tax and NIC paid to either the government or local councils....getting some of the rent back in the form of a discount should be the right of all council tenants...by the time a 25 yr tenancy has been completed they have paid probably more than the house cost the council to build and yet at the end of it all they own nothing and the council has made thousands upon thousands from them. For a tenant to be able to buy their own home, give them a FUTURE for themselves and their children in the form of RTB is one of Maggie's greatest achievements on bettering the lives of council tenants. It gives them pride in their achievements, it gives them something so precious that a mere tenancy doesn't and will never give. I believe they deserve a discount for all the rent they have paid. I believe they should be able to buy their homes and good luck to them! and if I rented privately and I couldn't get on housing list I would still say that. Good luck to them!

I also know several people who live in Housing Association houses and most HA don't allow RTB so they are stuck renting for the rest of their lives and HA rents aren't that cheap compared to privately rented properties. I think all HA tennants should be able to buy their home (and it is their home!) too.

So from me to you, good luck mate! you go buy your council house, get your name on those deeds and feel how good is feels to make something of your life, provide well for your wife and bairns and walk tall and proud and ignore the people who slate you for wanting to buy your home with a discount you have earned by being a rent paying tenant of your local council.

I wish you and your family all the happiness...:T :T :T


Ember xx

thanks for your nice comments only if all moneysavers were like u.

tab99_uk

little update just go my figures today house was valued at 95k the discount was 24k total price comes to 71k still a bit steep for me.

i think they surveyor valued to high a house oposite mine was also a ex councill hosue was valued it 86k and with discount came to 62k.

as my kitchen needs a full refurb and bath and toilet need a refurb to this is going to cost a bit to put right.

and about 6 other things wrong with property inc damp,and wood rot few tiles on roof and a few more things.

could i negotiate a price with the councill and use this to get the price down a bit so i can get the repairs done to the property.

dont really know what will happen after this will they revalue the property??

thanks tab99_uk

Graham_Devon

Theres a phrase that ends with 'Trash'.

I think it applies here.

Only one with an attitude problem is the OP. Nice to know I'm supporting that kind of 'lovely' person.

Running_Horse

Come off it. He/she has already got a £24,000 discount courtesy of the taxpayer, and is now whining they want more, in between sending out private message death threats. Hilarious. This is why I worked my backside off to escape from scroungers like this on the estate I grew up on.

judderman62

robwend wrote: »

u judging bunch of twonks, very sad to see you mse,ers going into attack,the guy was askin advise. not your personal moral opinion, grow up all of you

well said robwend - some people don't seem happy unless they're having a pop at someone.

This place seems to be getting more and more of the unpleasant type of posters nice to see there are still folk like you around though :beer: :beer:

Graham_Devon

robwend wrote: »

u judging bunch of twonks, very sad to see you mse,ers going into attack,the guy was askin advise. not your personal moral opinion, grow up all of you

He's PM'ing users telling them to watch their steps and he's gonna kill them if they post on the thread again :rolleyes:

We may have judged, but at least were judging correctly!

Gorgeous_George

OP., If I was you I'd keep renting for a while.

If you believe that prices will fall (there's a sticky for House Price Crash discussions), then your home could lose say, 20%. A new valuation of £76K and the discount of £24K leaves you a mortgage of just £52K. This could be even less if falls are greater. There is a risk that prices could rise that you also need to consider).

Good luck with whatever you decide to do.

GG

robwend

ooh and where theres trouble wheres graham................ lol i wonder, just leave it and stop the playgroud crap. be the better person. last comment i shall make on it coz im not joining the clan

judderman62

Gorgeous_George wrote: »

OP., If I was you I'd keep renting for a while.

If you believe that prices will fall (there's a sticky for House Price Crash discussions), then your home could lose say, 20%. A new valuation of £76K and the discount of £24K leaves you a mortgage of just £52K. This could be even less if falls are greater. There is a risk that prices could rise that you also need to consider).

Good luck with whatever you decide to do.

GG

Love the sig george :rotfl::rotfl::rotfl::rotfl:

mishmash

Hi All

Just thought I would Throw my 'two peneth' in, for what it's worth.

I agree that the current system seems unfair. My parents and indeed grandparents bought their longterm homes (of some 20 + years) many many years ago under rtb. Some time later, I find myself in need of social housing. I was very young, only working part time and had 3 babies. Their father asked me to leave,as he had found someone else. We had only the clothes we stood up in.

I Moved into my parents house (me and three babies in one room), and tried to get a motrgage While I could get a motgage it would have crippled me. There would have been nothing left to furnish a home, I did not even own a tea towel let alone anything else. The spineless father would not even let me have the kids beds.

Eventually I put my name down on the council house list. It took nearly 2 years waiting before a house came up, in that time I had been living in overcrowded conditions, my Mum had become very ill needing emergency surgery, things were bad.

The house I got was the only one on a street ( the others being bought). It was minging, engines in the garden, grass above the windows, no heating, faeces smeared on the walls.

I was very young and did not know my rights, so went into debt to put in a new kitchen, bathroom,heating system, carpets, decorating which ran into thousands. All the time I was a tennant the coucil never did any work on the property (some 10 years). The area was dodgy, drugs and antisocial behaviour were rife. So I worked to organise a community clean up, create a community garden, gave evidence against offenders and worked with many agencies and landlords about their latting policies. Many hours of unpaid work.

When the area eventually improved I bought my home, with a 16 grand reduction, I still could not afford a mortgage without the rtb. I think it is fair to say I had put more in than I took out. Now some years later I have met a new partner, we have a new baby and my little house is too small so I am selling.

I just do not think it is so black and white, if there had not been the right to buy scheme. I would not have waited 2 years in overcrowded conditions, although housing officers told me the bigest probelm they faced was little old ladies still living in 3 bed family houses. Friends I have who work in housing tell me of applicants who state their only interst in council housing is right to buy.

Before I decided to buy my home (when I realised I could not afford this without some help) I tried to see if there was an option of the council giving me the discount to buy another home (some councils do) leaving my home for a person who needed it. They had stopped this scheme a month before my enquiry. If I was aware of the shared ownership thing I would have done that.

I suppose it has taken me too long to say I can see both sides, I think it was right I was able to buy my home, although I am sad that it means the ghetoisation of soacial housing, leaving only the worst for those in need.

I think the money from these sales, should either be put into new council houses, or given instead of right to buy as deposits to ensure there is suffuciant stock. I also think that council homes should be on a needs basis I.E you get a 2/3 bed home as long as you need that. People taking them up now should know it is not a home for life and when they no longer need a house of that size they will be moved to a smaller property.

Just my thoughts.

Night all

Mish