Been living with my mom for 5 years, she has right to buy, I can buy the house outright....

Caz3121

jone111 wrote: »

My mom was the one who proposed it

what has given her the idea? there are far more cons for her than pros?
It sounds like you would be best looking for a different property to purchase

Simby

scoey8 wrote: »

As above your mum would need to apply for the right to buy with you named on the application as having lived with her for the past 1 year. You could then buy the property jointly but you would be 50/50 on the deeds. Also if you need a small mortgage to make up the funds that would have to be joint aswell as far as i'm aware.

You would need to then come to an agreement with your mum as to what would happen from there with regards percentage of ownership etc. but as people have pointed out there are also a lot of pro's to her staying as a council tenant.

I don’t this is correct if they did a joint application and opted to be tenants in common When the purchase completed instead of joint tenants they could specify the shares so there is no reason for it not to be 1 percent to mum ( or mom) and 99 percent to the op.


Joint tenants
As joint tenants (sometimes called ‘beneficial joint tenants’):

you have equal rights to the whole property
the property automatically goes to the other owners if you die
you cannot pass on your ownership of the property in your will



Tenants in common
As tenants in common:

you can own different shares of the property
the property does not automatically go to the other owners if you die
you can pass on your share of the property in your will

Simby

Lots of people use mom, lots use mum, some use mummy some mommy.

I don’t see the big deal.. I actually realised I use both interchangeably but it does not make me or the op American , I have never lived in America or Canada I am British and so are my parents and grandparents and great grandparents, great great grandparents .... it just means we have adapted to a global society and accept the use of both words.

Listen movies etc.. and people can very quickly pick up both uses of the word.,..

Neither is incorrect whether in the UK, US or anywhere else in the world...

Lummoxley

Simby wrote: »

Neither is incorrect whether in the UK, US or anywhere else in the world...

Yes [STRIKE]mom[/STRIKE] mum.

lookstraightahead

Wanderingpomm wrote: »

We don’t have moms we are not American. If you are American you def cannot buy your parents council house

My brother, my ex husband and his family, and my in laws all use mom. Most live in the midlands, some in the South East. The spelling usually passes down the generations. Irrespective of where the spelling originated, it's usually up to the individual what they call their relatives. You can still be British and call your father Vater if you want to. You can call your pet what you want to as well. And your children. Shocking isn't it .....

ayupmeduck

lookstraightahead wrote: »

My brother, my ex husband and his family, and my in laws all use mom. Most live in the midlands, some in the South East. The spelling usually passes down the generations. Irrespective of where the spelling originated, it's usually up to the individual what they call their relatives. You can still be British and call your father Vater if you want to. You can call your pet what you want to as well. And your children. Shocking isn't it .....

I'm from the midlands and say mum So many grow up watch American TV & movies and pick it up from there.

45002

Simby wrote:

Lots of people use mom, lots use mum, some use mummy some mommy.

https://www.youtube.com/watch?reload=9&v=PwNEQF6h4EA






.

Mojisola

ayupmeduck wrote: »

I'm from the midlands and say mum So many grow up watch American TV & movies and pick it up from there.

Last year, the Oxford University Press analysed 134,790 stories that were entries into the BBC Radio 2's 500 Words competition run on Chris Evans’ Breakfast Show. ‘Mom’ was the top word used more in the West Midlands than any other area.

Professor Carl Chinn has said "I have memoriams from the local papers in Birmingham which show the term mom being used in the West Midlands prior to people being influenced by talkies.

"In this area people have been replacing the 'a' with an 'o' since the ancient medieval times. We see in documents the words 'hond' and 'lond' instead of 'hand' and 'land'."

https://www.birminghammail.co.uk/news/midlands-news/mom-mum-right-your-birmingham-14747370
and
https://www.telegraph.co.uk/news/2018/03/09/mothering-sunday-cards-using-mom-instead-mum-language-expert/

Liandan3

You need to be wary incase your mother has claimed Housing Benefit whilst you have been living there these past years. as if she had you would have been paying a non dependent charge towards the rent which would be full rent if, as you say, you have enough earnings/savings to buy out right. Failure to declare is fraud. Unless she did not claim housing benefits while you were there. In which case you could apply jointly

Slubberd

You mention your mother would have no interest in the property.


She is the sole tenant from what you have said and you are trying to access her discount, her "right to buy" the property stating she has no interest. That confuses me - she will be the home owner - not you. She would continue to live there and the deed would be in her name.