Planning for future for disabled daughter 28

Magic_Sister

I’m 62, and my daughter is 28. She has CFS, ADHD, PTSD, Depression, Anxiety and severe asthma. 

We live in private rented as properties that have had in the past have been listed through divorce and high interest rates. We’ve been in rented for the last 20 years in fact. 

We can’t get on the council list even to loiter at the bottom, as we are adequately housed.
I’m trying to plan. For the future. I’m in good health, and if that continues I shall work till I’m 75. 

What would be the best planning for my daughter’s housing if and when something happens to me? Hope that she gets social housing? Should I try and buy? Has anyone done shared ownership? Just looking for some ideas tbh, as it’s so hard thinking about these things on your own! Thanks. 

marcia_

Magic_Sister said:

I’m 62, and my daughter is 28. She has CFS, ADHD, PTSD, Depression, Anxiety and severe asthma. 

We live in private rented as properties that have had in the past have been listed through divorce and high interest rates. We’ve been in rented for the last 20 years in fact. 

We can’t get on the council list even to loiter at the bottom, as we are adequately housed.
I’m trying to plan. For the future. I’m in good health, and if that continues I shall work till I’m 75. 

What would be the best planning for my daughter’s housing if and when something happens to me? Hope that she gets social housing? Should I try and buy? Has anyone done shared ownership? Just looking for some ideas tbh, as it’s so hard thinking about these things on your own! Thanks. 

 I would think before buying. Would you or she be able to afford unexpected repairs such as a broken boiler or a large roof repair etc? Secure tenancy is the way to go if not, if she is not named on your tenancy she should be able to get a place on the list. 

Magic_Sister

Thank you. We have tried but as she is adequately housed with me she is not allowed on the list. That’s the sort of thing that concerns me about buying tbh, it’s the stress and the upkeep. I think a secure tenancy is absolutely the way. LHA here is £500pcm, and the minimum rental (if you can get one) is £800. So that’s its own worry 😞

itsthelittlethings

You can’t even get on the council list? You may need CAB to help you fill out an application then.

The way I see it is, if you do not have a realistic prospect of owning, and it’s a 10 year wait for a property, at 72 you will be jolly glad you got on the list aged 62.

If you get social housing it will be a 2 bed and this will cause issues for right of succession. Really, unless she needs 24/7 care from you, I  personally would get both of you on the list as I like my own space and am crap with money so could not manage a 2 bed property on benefits.

I'm in shared ownership. It’s ok. Look at how high the rent and service charges are.

itsthelittlethings

Are you in London or another overcrowded area? I did not know that anywhere had closed their lists.

itsthelittlethings

I just checked and Tower Hamlets have no lets band 3 23/24 for 2 bed properties. I guess so many have been lost to RTB. Shame.

Magic_Sister

Thanks all. I’m in the Midlands. I have done a thorough application but we do not even warrant getting on the list. I think that the only way will be for her to wait until I’m gone and to hope Social Services help her to get social housing before she loses the home we are in. It’s just so frustrating. I’ve passed affordability for Platform Housing for shared ownership, and could have 25% paid off in 10 years (or with my life insurance if I died before then). But 84 of 85 reviews on Trustpilot for them are just horrific. 

Just got to keep looking g for a good solution I suppose 😞

Magic_Sister

itsthelittlethings said:

You can’t even get on the council list? You may need CAB to help you fill out an application then.

The way I see it is, if you do not have a realistic prospect of owning, and it’s a 10 year wait for a property, at 72 you will be jolly glad you got on the list aged 62.

If you get social housing it will be a 2 bed and this will cause issues for right of succession. Really, unless she needs 24/7 care from you, I  personally would get both of you on the list as I like my own space and am crap with money so could not manage a 2 bed property on benefits.

I'm in shared ownership. It’s ok. Look at how high the rent and service charges are.

Many thanks. She would not cope alone at the moment. And we can’t get on the list. At all. We are stuck I think. 

marcia_

Magic_Sister said:

Thank you. We have tried but as she is adequately housed with me she is not allowed on the list. That’s the sort of thing that concerns me about buying tbh, it’s the stress and the upkeep. I think a secure tenancy is absolutely the way. LHA here is £500pcm, and the minimum rental (if you can get one) is £800. So that’s its own worry 😞

 You need to say she is not adequately housed, ie you want her to move out into her own place. If she is not a joint tenant in your property she isnt in secure housing as she can be thrown out should you die, want to move etc As someone else mentioned its worth getting advice from citizens advice 

KxMx

If she wouldn't manage alone, I'd suggest getting her a needs assessment with the view to her moving into some kind of supported living housing now. There are varying kind of set ups available.

https://www.nhs.uk/social-care-and-support/help-from-social-services-and-charities/getting-a-needs-assessment/


If you did get a social housing property, she may be able to succeed the tenancy but not the property, so she would then be expected to downsize. 

Magic_Sister

Many thanks all. I will approach Citizen’s Advice, and see if I can get her a Care Needs assessment.