What options are open to me?
Discussion
Mods if you wouldnt mind leaving this in the lounge for a day or 2 it'd be much appreciated.
Nyself & the other half are looking into getting a place of our own together.
She is currently a single mum - out of work as she has to finish her teacher training & look after her 2 boys.
I'm in full time employment, however i'm not earning a large amount of money (£18,500).
I don't live with my gf or support her as she's currently on benefits.
She's been on a council housing register but the waiting list is 4.5years.
I don't have any savings currently & neither does she.
She was in a case of domestic violence & should of been re-homed.
She sent in police statmenets/court orders etc but the homing people have said it's not enough to re-home her.
Her ex trashed her current house & if her landlord inspects it she will no doubt be evicted and lose her current deposit.
We can try and put most of the work right in here house to try and minimise this risk which we will obviously do.
I cant move in with her or give her any money as it will get her in trouble with the benefits agency etc.
Our obvious first route is to get her house in shape & try and prove to the housing people she should be re-homed.
But failing that the only other options i can see are renting.
Neither of us want to rent as we'd rather have a place of our own.
However neither of us have any money for a deposit.
Is there any sort of schemes availabe as i dont really have a clue about thehousing market!
Cheers in advance.
Nyself & the other half are looking into getting a place of our own together.
She is currently a single mum - out of work as she has to finish her teacher training & look after her 2 boys.
I'm in full time employment, however i'm not earning a large amount of money (£18,500).
I don't live with my gf or support her as she's currently on benefits.
She's been on a council housing register but the waiting list is 4.5years.
I don't have any savings currently & neither does she.
She was in a case of domestic violence & should of been re-homed.
She sent in police statmenets/court orders etc but the homing people have said it's not enough to re-home her.
Her ex trashed her current house & if her landlord inspects it she will no doubt be evicted and lose her current deposit.
We can try and put most of the work right in here house to try and minimise this risk which we will obviously do.
I cant move in with her or give her any money as it will get her in trouble with the benefits agency etc.
Our obvious first route is to get her house in shape & try and prove to the housing people she should be re-homed.
But failing that the only other options i can see are renting.
Neither of us want to rent as we'd rather have a place of our own.
However neither of us have any money for a deposit.
Is there any sort of schemes availabe as i dont really have a clue about thehousing market!
Cheers in advance.
Part-buy, part-rent schemes allow you to take out a mortgage for as little as 25 per cent of the value of the property, with a housing association owning the rest. You pay the mortgage on your percentage and rent the remainder from the association at an affordable rate. The idea is that, over time you incrementally increase your share (known as 'staircasing') until you own the property outright. Seen as a way to help low-paid workers and first-time buyers get a foot on the housing ladder, shared ownership has become more widespread in recent years. Figures provided by housing research group Core show a 38.3 per cent increase in sales, from 3,957 in 2003/04, to 10,332 in 2007/08.
No, in Berkshire it is called the sovereign housing association for example, you need to go into your council offices and speak to them, they can give you all the details.
You would then be interviewed by a financial adviser who would work out what your maximum to buy pride would be and go from there.
Be advised that for a lot of local councils, unfortunately the budgets they had have already been spent this year, I have a friend who is doing all this as we speak which is how I know a bit about it.
You would then be interviewed by a financial adviser who would work out what your maximum to buy pride would be and go from there.
Be advised that for a lot of local councils, unfortunately the budgets they had have already been spent this year, I have a friend who is doing all this as we speak which is how I know a bit about it.
Edited by Dakkon on Tuesday 25th August 11:53
It's highly unlikely that your salary alone will be enough to pay the mortgage, bills and for food and necesities for four people.
Can I ask where you live to give an idea of how much a property will be for a 2 or 3 bed property?
If your girlfriend can sort out a roof over her and the kids heads, you could perhaps consider living in a shared house so that you can save a deposit.
Your girlfriend should be allowed to work 16 hours/weel (I believe) without it effecting her benefits.
Can I ask where you live to give an idea of how much a property will be for a 2 or 3 bed property?
If your girlfriend can sort out a roof over her and the kids heads, you could perhaps consider living in a shared house so that you can save a deposit.
Your girlfriend should be allowed to work 16 hours/weel (I believe) without it effecting her benefits.
I'm in Torquay.
She was supposed to be entitled to a council house and has been on the list for 3 years now.
She was supposed to be bumped up the list due to the recent happenings (well end of last year).
But the housing officers contacted her this mornign and said there isnt enough police evidence.
We know her parents (who are fairly well off) will give her some money towards a deposit (& i'm oping my parents could help me out a bit) - but im not relying on them.
We're going on my salary atm as she does'nt have a job.
But will be getting one when her kids go back to school in a few weeks. (Kids are 4&&7).
She was supposed to be entitled to a council house and has been on the list for 3 years now.
She was supposed to be bumped up the list due to the recent happenings (well end of last year).
But the housing officers contacted her this mornign and said there isnt enough police evidence.
We know her parents (who are fairly well off) will give her some money towards a deposit (& i'm oping my parents could help me out a bit) - but im not relying on them.
We're going on my salary atm as she does'nt have a job.
But will be getting one when her kids go back to school in a few weeks. (Kids are 4&&7).
I don't know you from Adam, but if you have been together for around 3/4 of a year, it could be too early to commit buying a place together.
Refer to my earlier post about her getting a house on the social and you finding a way of living cheaply... for the time being.
I know that you were only asking for advice about housing, but I feel it's worth mentioning the length of your relationship and the difficulty of living with someone.
Anyway, good luck and well done for acting responsible
Refer to my earlier post about her getting a house on the social and you finding a way of living cheaply... for the time being.
I know that you were only asking for advice about housing, but I feel it's worth mentioning the length of your relationship and the difficulty of living with someone.
Anyway, good luck and well done for acting responsible
ApexJimi said:
Personally speaking, I'd walk away - sounds like too much hassle to me.
Then again, I'm cynical sod
I'd have thought exactly the same thing....Then again, I'm cynical sod
But i gave her the benefit of the doubt & just thought i'd get to know her, turns out we get on really well & i've not been happier.
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