Desperate to buy for disabled child

homeforh

someone out there must know something!
myself and husband both work, we have 7 children, one of those is our 6 year old son who is severely disabled! We currently rent and have been here 4 years our landlords now want to move back. Current rent and council tax is £3000 pcm

I can’t find any information about help to buy for families with disabled children.

we need a forever (or very long term home) suitable for our son. We need to be able to adapt it as he cannot share with his siblings, he needs a downstairs bedroom and bathroom as he’s incontinent.

If we rent again we can never do these things as the property is not ours.

we we’re born in an expensive area of the uk average 3 bed house is 500k. We can’t move out the area as we work in the area, children at school and our son is at a specialist school. We need to buy a 5 bed plus house.

we have some deposit but not enough to cover the shortfall in mortgage for the house size we need.

the government offers help to buy and equity loans on new build properties. None of these properties are big enough or suitable plus none even available in our area!

what else is available to help people in our situation to buy, desperate as renting is just paying off someone else’s mortgage and we can’t adapt, we face uncertainty if a landlord wants too sell!

there must be someone that knows something out there!!!???  Or any equity companies that will take a share of the property?? 

wjr4

Compromise is the only option. Either move to a cheaper area or buy a property with less bedrooms/space. 

wjr4

Have you looked into shared ownership?

[Deleted User]

Sadly this is just what the UK is like, insane house prices making it difficult for people who can't move to deprived areas where they are more reasonable.

As you have discovered there is zero support for people wanting to buy. All you can really do is tell the council that you will be homeless and ask them to help, but of course they will not be able to get you anything good.

You will get a torrent of "sell your iPhone" type nonsense in response, but sadly the reality is that there is no help for people these days.

homeforh

wjr4 said:

Have you looked into shared ownership?

Yes and it’s only for new build properties  

kazwookie

Can you buy the house you are in, and the LL buy something else?

Pixie5740

homeforh said:

someone out there must know something!
myself and husband both work, we have 7 children, one of those is our 6 year old son who is severely disabled! We currently rent and have been here 4 years our landlords now want to move back. Current rent and council tax is £3000 pcm

I can’t find any information about help to buy for families with disabled children.

we need a forever (or very long term home) suitable for our son. We need to be able to adapt it as he cannot share with his siblings, he needs a downstairs bedroom and bathroom as he’s incontinent.

If we rent again we can never do these things as the property is not ours.

we we’re born in an expensive area of the uk average 3 bed house is 500k. We can’t move out the area as we work in the area, children at school and our son is at a specialist school. We need to buy a 5 bed plus house.

we have some deposit but not enough to cover the shortfall in mortgage for the house size we need.

the government offers help to buy and equity loans on new build properties. None of these properties are big enough or suitable plus none even available in our area!

what else is available to help people in our situation to buy, desperate as renting is just paying off someone else’s mortgage and we can’t adapt, we face uncertainty if a landlord wants too sell!

there must be someone that knows something out there!!!???  Or any equity companies that will take a share of the property?? 

There aren't any government schemes other than the HTB you've already found and I don't think there are any companies who want to buy a share of the property with you which I can understand as it is not a great investment opportunity and you'd have a hell of a time getting a mortgage.

Some alternative options are:

1) Move.  I know you say you can't but there are jobs, schools and even specialist schools outside of the most expensive area in the UK.

2) Apply for social housing and see if your son's disabilities are enough to move you up the waiting list.

3) Buy some land and self-build a house that meets the needs of your family.  Not that this is a cheap option as land will be expensive where you are but it might be cheaper than trying to find a large house that you will then need to adapt.

turnitround

I really feel for you as it cant be easy. However, paying 3000 a month for housing when it does not suit your needs is crazy. I understand what you say about schools and jobs but it may be better to bite the bullet and go through the upheaval of moving to a cheaper area in order to find something more suitable even if it means changing jobs and schools.

I would also question why you need a 5 bed plus, obviously I dont know the ages etc of your children but its not unusual in a big family for 3 or more children to share a bedroom.  Im from a family of 5 children and we had 2 bedrooms and a box room. Mum and dad had the smallest bedroom, brother had a the box room and 4 girls had the biggest room with 2 sets of bunk beds. That was the way till I married and left home. Sometimes compromise is the only way round things.

I have every sympathy for anyone with a disabled child but at the same time you chose to have 7 children and with that choice comes the need for bigger houses and the associated costs.

Obviously its not an easy thing to do but Ive just done a search on Rightmove looking at a range of 40 miles from where I live and there are over 2000 properties with a minimum of 4 bedrooms available at under 1500 a month. 

Ive found a couple with 3 on-suites which may help with your childs need which are under 2000 a month. There is property out there but it may be that in order to fill your families needs that moving to a cheaper area is the most sensible option.

Snookie12cat

turnitround said:

I really feel for you as it cant be easy. However, paying 3000 a month for housing when it does not suit your needs is crazy. I understand what you say about schools and jobs but it may be better to bite the bullet and go through the upheaval of moving to a cheaper area in order to find something more suitable even if it means changing jobs and schools.

If you have experienced the effort and work involved in getting your disabled child into a specialist school you would seriously think about this comment. 
I am too scared to leave my county because I can't bare the fight involved and the risk he will be out of school for a long time while you fight the council.

FrugalCat

I feel empathy for your situation, as you're coming from the right place.

But it reads like you need to review your points of view;

A) Inability to move (to area with cheaper housing)
Housing need
C) Specific need of children
D) Need to purchase

They don't align with each other, therefore you have a situation that won't resolve, until you change some of them.
In your position I'd make a list of priorities. Keep striking away at the bottom of that list until you have a solution.


You could share some more details about where you're looking to live and what your budget is, then people may be able to help you find a compromise.

Snookie12cat

I completely sympathise. As someone with a disabled child myself I know first hand how lucky you are to get the specialist school space so I can understand why you don't want to leave the LA area. 
I am literally trapped in my county for the same reason as are many people I know. 

My friend is in the same position as you but needs a 4 bed and there is only one in the entire county and it's £1800pcm! She is on benefits and will never be able to afford that.

All I can suggest is you appeal to the council and see if they can rehouse you. If you take your eviction notice to them it so bump you to the top of the list.

There are no other schemes than the ones previously mentioned unfortunately and nothing specifically to help those with disabilities