To think being able to use housing benefits as a mortgage is unfair?

Maybe the OP could state if there's relevant stuff going on in the news that is pertinent to their post

This is a zombie thread about something Johnson said two years ago!

Maybe the OP could state if there's relevant stuff going on in the news that is pertinent to their post.

Maybe you could consider that maybe people don't watch the news, are too busy to watch the news, or do watch the news but just haven't settled down with a brew yet to switch the telly on.

Thank you for pointing this out.

The government are experts at pitting us against each other, demonising disabled people and causing more division. Disabled people have the least. The problem isn’t us.
The problem is right at the top.

See, you’re one of those people who’ve fallen for government divisive tactics.

You think because one demographic is worse off, others should be too. But disabled people and pensioners are the ones with the least, and yet you advocating for more being taken from them?
No. The problem isn’t the people at the bottom of the ladder. It’s those at the top hoarding wealth, giving £billions in government contracts to their partners and friends, and not taxing massive companies in the UK as they should be.
Don’t keep falling for their tactics. It’s a diversion from them to others you can pick on 🙄

It's just guff from Johnson.

That's because the cost of means testing is too high and would be counter productive

They can’t even means test who gets £400 off their gas and electricity bill how on earth do you think they would set up government departments that would be able to calculate that fairly ?

The government wins because a mortgage has an end date, housing benefit being paid out is a bottomless pit.

As above but if it's only a percentage of the home paid with benefits then that percentage goes back to government

Let them buy the house with benefits but with the stipulation if its sold the money goes back to goverment

5128gap · 09/06/2022 16:47

ClocksGoingBackwards

It would be ridiculous to allow housing benefit to be used to gain a mortgage, but allowing people to claim it after having an affordable mortgage and then having a no fault drop in income would be a positive thing. It’s a shame that’s not what they’re focusing on.

It makes no difference to the cost whether HB is paying for a new mortgage or an existing one though, does it? Or to the fact that public money is helping someone buy a house. Why would you consider one ridiculous and not the other.

The difference is the deserving and un deserving, people are making moral judgements on who should get this help and those that shouldn't. Again all this does is pit is against each other and while this is happening, those in control stay in control and nothing gets better.

@Tohaveandtohold Do you not understand that it’s not an option to choose to work or to claim universal credits this isn’t a choice situation for 99% of the population.

they will have you on and off universal credits as fast as his feasibly possible so you’re not gonna get to make a lifestyle choice here.

and given what an absolute nightmare it is to get the council or housing association to do any repairs whatsoever there are people that are renting from these establishments and paying for the repairs themselves this also happens with private landlords to I’ve known friends that have had to make repairs to boilers because the alternative as they sit in the cold.

I’m looking at it this way.
If Boris does this and people who get housing benefits use the money to get a mortgage on their property, at that point, the state stops paying the HB and they need to work to pay their mortgage (since people who pay mortgage are not entitled to HB). Though they now own their house, they are now liable for all the repair cost, etc as well as liable to make payment for the mortgage. I can imagine people who would rather claim benefits and not work will prefer to just continue claiming hb and paying it to the housing association who also will take care of their home repairs.
Its such a bad idea anyway and I agree with the op,

Of course it’s a easier for a home ownership to stay in the hands of the person who lives in the house they then have skin in the game to maintain and look after it and keep it in a good standard of repair and this is what the likes of Lois misses the government doesn’t want the responsibility. They never did.

This isn't correct. They lose £4.35 per month for every £250 or part of over £6000, which is the same as those of us on other benefits.

Has anyone actually thought this through - it's cheaper to allow someone to use HB to buy their house than pay for 30 years of HB? (such as those of us with long term illness, carers, etc)

UC claimants will have a different disregard. For every £250 over 6k they will lose £4+ per week (can't remember exact figure) and it amounts to £17 +change per month deducted from UC.

@Ddot
Anything over the savings disregard is reduced by £1 for every £500 (or part of) over the allowance.

I see both sides of the coin.
My rent is £795pm but I could get rent paid up to £975 if I received benefits, as the LHA is that higher amount, which would mean money going to make a landlord living in a £1m house even wealthier.
I would think it more prudent for local authorities to allow long term benefit claimants to put their housing benefit towards a suitable property purchase and I mean suitable for their present needs.
The mortgage would be much lower and the property would be in the government's name with an unlimited tenure to the tenant. Rent arrears would not therefore be an issue and if the tenant moved on, it could be re-let.
There are bound to be snags that I'm not aware of and legalities which would need to be sorted out but it would, IMO, not be wasting government money as happens at present.

£16000 in savings is not entirely correct. Its £6000 then if you have more your benifit is reduced so much each £1000 until you hit £16000 then you get nothing

You used to get some help towards your mortgage back in the day but it was only for a short time or it only covered the interest. Now you have to apply for a loan through benefits to pay mortgage but it has to paid back. How you pay it back I haven’t got a clue but I assume they would take a small percentage of your continuing benefits or a percentage of your wage when you start working again.
This scheme is purely to allow those living in social housing to buy the council house they are living in. It scheme doesn’t allow people to buy any house. It is also going to only be open to those in work.
All it will do is further deplete the already inadequate social housing stock which means more in housing benefit will need to rent privately.

The scheme is aimed at those in work, in receipt of housing benefit, in-work benefits , in low paid jobs & in a council property.
This is the Tory’s way of further depleting an already inadequate social housing stock. You can’t buy any house with the scheme.

It just means more people who are in work can get on the housing ladder & more people who can’t will have to rent privately which will further line the pockets of the few with £££.
This only works if the housing benefit used to buy the property is paid back if the property is ever sold!
The houses shouldn’t be bought so they can be used for profit but to be a lifetime home.

Maybe he was planning to pay for them with the £350 million a week we’re not paying the EU.

This will not happen. Johnson is just being his usual twatting self. Lenders will not loan to people on benefits, they will not have a big enough deposit. They also will not want to buy their own house & have to pay for maintenance themselves. It's a ludicrous idea and will just lead to people claiming benefits are too high.

I don't think that one should be able to apply and obtain a mortgage whilst on benefit but for people who took out a mortgage whilst working who then have to go on benefits through unforseen circumstances I think it's a good thing. I'm thinking of families where a parent suddenly becomes long term or even terminally ill and has to cease working, or when a parent suddenly dies or a child becomes seriously ill and they need to take time out care for or to help children over a period of bereavement and adjustment for example. It always seemed to me unfair that such families should be forced into losing their family home at such times of crisis.

It’s divide and rule bollocks. Something the Tory’s are masters at. Meanwhile the 1% are about to have another bonanza as the just about managing default on their mortgages.

They’ll keep you looking down or sideways with stories about ‘woke’ whilst they pick your pockets.

Hey, Some people on here really need to take a good look at themselves. I bet you are happy for refugees to be sent to Rwanda too.