Right To Buy (Bungalow)

Person_one

snappyfish wrote: »

Marksoton, why dont you just give yourself a rest! You come across a very mad and angry person who doesn't really listen to the actually conversation at hand.

It's like trying to talk to a child while the ice cream man is driving past, they just do not listen.

Lots of posters besides this one have expressed very legitimate concerns about your plan. Maybe you could answer some of those posts and explain to us why your plan is better long term for your mum than her keeping her secure tenancy?

pathtofreedom

I guess this depends how old you both are, what sort of problems your mum has, do you work full time outside the home, do you have a partner or any plans to in the next 10+ years or to have kids.

The answers to all these questions could mean the short term benefit of the extension, is actually detrimental to your mum in the long term you see. That is what people are trying to get you to understand.

This isn't as simple as rtb is right or wrong (personally I'd rather people didn't) but if you're in your 30's say, your mums in her 60's and could live another 30 years. Are you going to live there for another 30 years, never have kids or a partner, be her carer full time if it gets to that point, yet have enough income to pay for all the maintenance and mortgage on the place? Also not die yourself before your mum, so no car accidents or anything?

Just what people are trying to explain is the benefits of the tenancy she has right now vs the risks, which are many, of you two buying the place.

Have you checked to see if you can get it adapted more, and have an extension through the council, depending on what you need it for? Or if there is a bigger bungalow available, although bedroom tax might become a problem.

If you do go ahead and buy the place, you'll be limited to what mortgages you can get depending how old your mum is as the term will be shorter. If you did die first, will there be enough life insurance to cover not only the rest of the mortgage, but all the maintenance costs on the place for the rest of her life, eg boiler breaking, roof leaking etc etc. Depending on what benefits she is on that life insurance money might cause her different issues with means testing for savings. Or if you got sick or were in an accident and couldn't pay the mortgage, do you have enough funds to still cover all the above? Else if you were repossessed what would happen to your mum? Yes these things might never happen, but they could, and that is why in your situation buying is taking your mum's secure tenancy away from her, and meaning she is at risk of losing her home later for all sorts of different reasons, a lot related to your income or any plans you have for kids.

Have you asked her if she wants you to be her carer like this for the next 20-30 or however many years. Or would she be quite happy still renting, but with you living in your own place near by with kids who could visit. I'm not a kids person, so don't get me wrong you might be quite happy not having any in your life. If there is any chance you want some though I really think this is a risky plan for your mum long term.

snappyfish

Person_one wrote: »

Lots of posters besides this one have expressed very legitimate concerns about your plan. Maybe you could answer some of those posts and explain to us why your plan is better long term for your mum than her keeping her secure tenancy?

I appreciate everyone's answers, honestly I do. Buy some are replying based in the way they think I am thinking about RTB. They are making assumption before I have posted.

I may answer questions once the air has cleared.

But thanks so far for all the normal questions and concerns .

Cheeky_Monkey

Mokka wrote: »

Even if the council decided the bungalow was particularly suited to elderly/disabled people the OP could try to challenge the decision.

Challenge it on what basis?

Afterall, the lead tenant is indeed elderly and 'disabled' and has been living there quite happily for all these years so it obviously meets her needs.

However, this whole thread is about the 'needs' of the son/daughter not the mother.