can we buy a right to buy?

homealone_2

my mother was widowed last year and now lives in a one bedroom flat where she was payinf 3/4 of the rent. now she is alone she is not paying anything. she has been given the right to buy before on a different property but her husband was not keen. she has been a council tenant for 30 years and so should get a healthy discount. we have the forms to fill in but do not know whether we should just put her name alone on the application. she is not working and is 68 or would she need me or my full time work husband on it. i am off sick at the moment. we both live in a housing association property and my mum feels it would be an opportunity to leave us something. officially can we do this??? and how???

robdog

The only part of your letter that I can help with is the bit about discount. The maximum discount you can get is 30% off the market price of the property, [with a secured sitting tenant], and the property is not in certain catorgeries, ie.sheltered accom. tied to a job eg school caretaker etc., I hope this is of some help.

Pal

Your mother is the only one with the right to buy, so only she can actually buy it. You could go and see a bank about a mortgage to buy that you act as guarantors on. You then pay the mortgage for her and inherit the house when she dies.

thaylock

I purchased my mums house back in 1990, I put the money up & added my name to the list of applicatants on the right to buy application, so in effect the application was made in mine & my mothers names. It should still be possible to do this unless the rules have changed.

trafalgar_2

thaylock wrote:

I purchased my mums house back in 1990, I put the money up & added my name to the list of applicatants on the right to buy application, so in effect the application was made in mine & my mothers names. It should still be possible to do this unless the rules have changed.

just curious ,were you also living in the property at that time thaylock

homealone_2

thanks everyone, i need to initially fill in the right to buy form and send that off this weekend. at least i now know to put it in just my mums name. i have also read they offer a facility where if you cant afforf the whole mortgage you can pay the same as you did in rent and then buy the rest later on. this is apparently finishes being available on the 21st july. think this may be the only way will be able to afford it as as well as paying our own rent but we will have to see what figure they put on it. at the moment its pie in the sky

thaylock

trafalgar wrote:

just curious ,were you also living in the property at that time thaylock

Yes, indeed I was