Will my mum lose her house ….???

Ali_lovesTheUK

Hello everyone . 

I’m desperate for some advice . Me and my partner want to get married next month . But I’m gravely concerned that cos I live in a council house with my mum who has cancer . That she may lose her council house if I give my notice of marriage to the register office . Also my partner rent he own flat by himself and when we married that where I would be living but my partner will still pay the rent . Can some please help and tell me where I may stand on all of this . Thanks all  

Ali_lovesTheUK

woodbine said:

The question is who is named on the council tenancy for the council house you and your mum live in? it might not even be an issue if you have both lived their for the last 12 months, if in doubt ask CAB for advice.

My mum has her name on the tenancy agreement and I’m lost down as living with my mum as then same thing for my sister . Would this be an issue if I move out into my parents own flat  after the wedding next month ???????

poppy123456

Your mum will not lose her house if you moved out. Her name is on the tenancy agreement and not yours.

However, if she’s renting from social housing and you moving out means there will be a spare bedroom then she maybe affected by the bedroom tax, if she’s claiming for help with any rent. 

When you move in with your partner if you or your partner are claiming any benefits then these maybe affected. It will depend on your joint circumstances and which benefits (if any) either of you are claiming.

Ali_lovesTheUK

poppy123456 said:

Your mum will not lose her house if you moved out. Her name is on the tenancy agreement and not yours.

However, if she’s renting from social housing and you moving out means there will be a spare bedroom then she maybe affected by the bedroom tax, if she’s claiming for help with any rent. 

When you move in with your partner if you or your partner are claiming any benefits then these maybe affected. It will depend on your joint circumstances and which benefits (if any) either of you are claiming.

That the other thing I meant to have said my mum on housing benefit via universal credit . Will this affect her house benefit and UC cos I don’t want  her to  lose this as she only been on this for 6 months . 

poppy123456

Her rent be paid in with her Universal Credit known as housing element. She will only be claiming housing benefit if she's living in either supported or temporary housing.

You moving out will not mean she's no longer entitled to any help with the rent. Does she live in social housing or privately rented?

Ali_lovesTheUK

poppy123456 said:

Her rent be paid in with her Universal Credit known as housing element. She will only be claiming housing benefit if she's living in either supported or temporary housing.

You moving out will not mean she's no longer entitled to any help with the rent. Does she live in social housing or privately rented?

She lives in the council house as this was pass over to her when my dad pass away in 2018 . 

poppy123456

That would be known as social housing. This means if you move out and she has a spare bedroom she'll be affected by the bedroom tax, which will reduce her housing element by 14% per week. https://england.shelter.org.uk/housing_advice/benefits/how_to_deal_with_the_bedroom_tax

Kimmy87

One option for your Mum would be downsizing.

That way she wouldn't have her UC Housing Element reduced as no spare bedroom. 

Councils often have incentive schemes and help available to facilitate this- my Mum downsized and received much financial and practical support.

I appreciate though that your Mum may not want to move, just throwing it out there as on option. Even if it's a no from her now, she may change her mind in the future. 

Ali_lovesTheUK

Kimmy87 said:

One option for your Mum would be downsizing.

That way she wouldn't have her UC Housing Element reduced as no spare bedroom. 

Councils often have incentive schemes and help available to facilitate this- my Mum downsized and received much financial and practical support.

I appreciate though that your Mum may not want to move, just throwing it out there as on option. Even if it's a no from her now, she may change her mind in the future. 

I’m sorry but she wants to stay where she is and moving would open up a huge amount of troubles and problems . And as she has cancer that the last thing I want to put my mum thought moving house when the house she currently lives in house that has  too many precious memories  . She been thought a lot with her cancer and the treatments for it . It not an option at all . Thank you for your comments . 

Hannah_Alumni

I'm so sorry to hear about your mum's diagnosis @Ali_lovesTheUK

If there is anything we in the community could do to help, please don't hesitate to reach out  

Kimmy87

woodbine said:

Kimmy87 said:

One option for your Mum would be downsizing.

That way she wouldn't have her UC Housing Element reduced as no spare bedroom. 

Councils often have incentive schemes and help available to facilitate this- my Mum downsized and received much financial and practical support.

I appreciate though that your Mum may not want to move, just throwing it out there as on option. Even if it's a no from her now, she may change her mind in the future. 

often not an option as smaller sized properties are in demand and low supply

I'm very aware that social housing is in short supply overall, but where a bidding system exists those downsizing get some priority within the system. 
Councils and HA's are desperate for family sized homes. 
For example when Mum downsized she was automatically placed into the highest bidding band. Obviously varies from LA to LA but you get the idea.