Housing Benefit for daughter renting basement annexe from parents ?

evenasus

marliepanda wrote: »

What a strange broad statement.

What about children who go to university and don't want to stay in their home town?

Or children who get jobs at 18 which are not in their hometown.

These two situations are totally different to 'not wanting them living with you' because they've reached a certain age.

bspm

Tommo1980 wrote: »

There are options other than providing a guarantor. A higher advance rental payment for example.

The eligibility requirements for a guarantor would be prohibitive to many.

Tom

Even though we acted as guarantor he still had to pay a higher advance rental payment, well we did not him. If my memory serves me right I think we had to pay three months rental as a deposit, approximately £2700.

rockingbilly

evenasus wrote: »

Just think how much money your children could have saved, if they'd lived at home until they were ready to buy.
I wouldn't have dreamt of wanting my sons out of my home at 18 years old.

At home until they are 25? Are you having a laugh?
The last thing they would have wanted was to live with us - having their own place meant that they could live their life as they wanted and at the same time get used to the responsibilities of life. As for saving for a deposit, we both knew that they would have difficulties doing that when paying rent, hence why we had already told them that when the time came we would fund the deposit out of their future inheritance whilst they funded the legal costs etc. Much better that way than having the money taken to fund health care provision should we need it in the future.

rockingbilly

marliepanda wrote: »

What a strange broad statement.

What about children who go to university and don't want to stay in their home town?

Or children who get jobs at 18 which are not in their hometown.

Not all children want to stay at home until they buy a house. Many want to spread their wings and do all sorts of things instead.

It's not just a case of being kicked out at 18.

I agree, but it does depend on how much they are tied to having to stay at home.
I remember when I was 18 all those years ago, I hated having to live at home. I still loved my mum and dad, but I wanted a life for myself as well. By the time I was 22 we had bought our first home and at 28 (in 1977) we had two properties (the second was a small cottage) bought with the help of a very cheap mortgage from the council as it was much nearer to both of our employment.

mumps

nannytone wrote: »

it isn't a question of trust.

what if they lose their job?
what if they become ill?
thats Ok if you can afford their rent on top of your own living expenses, but the majority of people probably;ly can't.

is they can't afford to rent then they do what everyone on here says benefit claimants should do.

they move to an area they can afford, they share or they stay at home with their parents.

a guarantor is only usually required if someone is very young ( so has no decent work history) had a bad credit report or is on benefits.
any of those would indicate that the young person isn't ready to be on their own

I was a guarantor when all 4 of my kids went to university. They lived in halls for a year and those were the university rules. For two of them I was guarantor for 2nd and 3rd year private lets, again no choice, big city and high rents the only other option was to give up their studies and move home.

I've also been the guarantor for the friend one of my children was sharing with, he didn't have anyone who could be a guarantor so they would have lost their flat. We knew him well and I trusted him.

I never lost a penny, trusted them all and if I had needed to pay the rent I would have. It is a hard world out their for kids going off to study.

eskimo26

Since when has HB been paid when your LL is a family member from your immediate family? I thought this would exclude you?

xylophone

I was 27 and living at home when I bought my first property - my parents didn't want me to leave!

donnac2558

eskimo26 wrote: »

Since when has HB been paid when your LL is a family member from your immediate family? I thought this would exclude you?

Exactly, they will not pay if renting from family. Makes no different if annex or totally separate property.

Mojisola

donnac2558 wrote: »

Exactly, they will not pay if renting from family. Makes no different if annex or totally separate property.

HB can be paid to someone who is renting from a relative.

marliepanda

donnac2558 wrote: »

Exactly, they will not pay if renting from family. Makes no different if annex or totally separate property.

They might. But it's not guaranteed and they will look at it more closely.

In this scenario mum would clearly not kick her daughter and granddaughter out on the street if she didn't pay rent, and would probably let her live there free. The housing benefit is just a nice bonus for them.

I don't see it being approved but I'm not in charge.