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Housing options Finding a place to live. Building and design Built form: house flat or maisonette bungalow Property can be: purpose built adapted ordinary.

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Presentation on theme: "Housing options Finding a place to live. Building and design Built form: house flat or maisonette bungalow Property can be: purpose built adapted ordinary."— Presentation transcript:

1 Housing options Finding a place to live

2 Building and design Built form: house flat or maisonette bungalow Property can be: purpose built adapted ordinary street property Rented or owned

3 Rented housing Social renting from: council housing association (RSL = Registered Social Landlord) Ordinary property OR specialist scheme (sometimes in partnership with support provider)

4 Rented housing Private renting from: private landlord charity (not RSL) family members family Trust private sector leasing (usually council or RSL)

5 Tenure: what sort of tenancy? Important because sets out legal rights: “security of tenure” - to stay in property for re-housing if made homeless to stay if relative dies (succession) responsibility for repairs & maintenance and lots more – but it’s not easy If you need advice about tenancies, contact a specialist advice agency or Shelter’s website or national Helpline.

6 3 ways to get social housing through local allocation schemes or Choice-based lettings – but have to be on Housing Register OR because a person is homeless, or threatened with homelessness OR succeeding to a tenancy after death of parent/other relative

7 Homelessness Not just “roofless” Local housing authority has legal duties to: work with partners to prevent homelessness provide housing advice help secure housing if someone is legally homeless, in ‘priority need’ and did not become homeless ‘intentionally’ If you need advice about homelessness, contact a specialist advice agency or Shelter’s website or national Helpline.

8 Succession Local authority secure tenancy: one succession only (e.g. couple, parent-child) both parents are joint tenants: son/daughter can succeed. one parent was tenant, & widow(er) succeeded: no right. Housing association (RSL) assured tenancy: no right for children/other relatives to succeed only partners (married, civil partnership, cohabiting). RSL should create a new tenancy if meets housing need. Secure and assured tenancies: Parent and son/daughter can request a joint tenancy but this is discretionary. Most private tenancies: no right to succession

9 Home ownership Home ownership with: mortgage &/or family money or no mortgage (eg inheritance) BUT who will take responsibility, organise and pay for repairs & maintenance?

10 Shared ownership Part rent, part buy: 25% (minimum) share is owned by shared owner rent paid to RSL on rented share (entitled to Housing Benefit) HOLD (Home Ownership for people with Long- term Disabilities) through specialist RSLs mortgages available (interest only, interest paid by benefits if entitled to Income Support) &/or with family money RSL can deal with repairs & maintenance no deposit, but need £3k for legal fees etc paid work and sharing are difficult


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