Realistically what happens to a single older man who becomes homeless.

[Blueshape]

I suspect this is bothering me more than it should and people will (reasonably) tell me to look at the realtionship, but purely on a practical basis;

Middleaged BF currently living with relatives. Partly because they need care, but also he doesn't have property of his own.

He has a reasonable income which means he can have a decent lifestyle, but also he doesn't have property of his own, I.e. living costs are low.

He has some savings, but I doubt he'd get the mortgage required to make that a house deposit.

I've been seeing him for a while and it's good. He's kind and reliable, pays he way etc etc, but I have no ambition to live with him, or any other man, and am a little concerned that if I stick with it I may be pushed into it, should he become homeless when relatives die.

He will inherit, probably, but not the whole thing.

I know I don't have to agree to anything, but realistically are you going to let some one you love who is bereaved and getting on a bit become homeless?

For me, it would depend on his attitude and plan. If he’s sat scratching his head and wondering what will happen with absolutely no plan at all, then I would give this a wide berth. Has he got a plan? Like renting, buying somewhere small etc? Or is he expecting to move into yours?

God how depressing to end up in this situation in your 50s, with little hope of buying or renting a proper home again.

Which places are you referring to?

Sheltered housing for over 60's is classed as independent living. Some still have a warden normally there part time. And people live there who still work.

You do get sheltered with care for people with higher needs and carers on site but these schemes are less common.

Where I live there is over 20 sheltered complexes but only 3 sheltered with care.

My question is why doesn't he have a property of his own at his age?

Has he just been sitting around twiddling his thumbs living with his parents and not being active about his own housing situation?

Is he really taking care of his parents or is he just taking out the trash for them or maybe taking them to the chemist occasionally?

You mentioned that you are older than he is why is it that you have housing?

HMO - although people in my town protest so much about them it is likely they will not be many around

My relative was single and was a lodger in a family house for many years. After recovering from a stroke, he had a room in an assisted living home run by a charity.

One of the ones shared has staff on site and the costs are fairly high for someone who will just be us ING the small housing unit. Fine if you need the wardens and organised bingo, book clubs, etc.

What do you mean, you have no idea what he’s supposed to do?

You mean because he can’t afford to rent somewhere himself or what?

@Blueshape I can see why you’re worried realistically if someone you were dating was homeless, you’d end up taking them in wouldn’t you? Unless they got in an HMO. But if they were literally homeless…. But he shouldn’t be he’s got a wage so he should be in an HMO or flatshare or whatever.

But why would he be entitled to social housing?

Do you think he’s totally clueless (actual question!), because if he works and he gets any inheritance then he can rent even if his col is higher than it was.

They can apply for over 50’s accommodation with their local Council. The lists for this type of accommodation are not as long as general housing lists. Or rent a room in a shared house.

He can rent somewhere. Just like anyone else with an income.🤷‍♀️

If he is 55+ he will be eligible to rent specialist, single occupancy social housing for older single people.

X-post.

If he has savings and a reasonable income he should be able to rent?

Yes but the question is will he want to rent? Or will he put pressure on OP to let him move in to her place, which would probably be nicer than whatever he could afford to rent?

Don’t give him a get out away from sorting his own life out. Really.

If he lives with his parents and is over 60, the value of their home is likely to be disregarded if they are being assessed for help by the local authority for care. That might mean he is more likely to inherit the property than other non-disabled or non-spousal adults

Really? That's quite a loophole. Maybe I (already over 60) should move in with my parents 😆

I know several over 55’s in social housing and none of them have a disability. If they have low income and than 16k savings they get housing benefit and the turnover is much quicker than other housing for obvious reasons.

My DF only had to wait a couple of months once he was on the list.

In answer to the OP - he will have to use his savings/potential inheritance/income to subsidise renting somewhere (either a flat or room in a shared house) until such a point that he is retired/on a low income, then he will qualify to apply for over 55 housing.

As I said in my reply to another poster, the turnover is quicker and he may also get housing benefit when the time comes.

Does he know you have no intention of ever living with him? If not maybe you need to make that crystal clear so he doesn’t get any ideas and start making plans.

I think this depends where you live. Where I live over 55s housing all has staff and so you are supposed to have a need for that. Housing benefit will not pay the increased cost of the rent unless there is an evidenced need.

So where I live the local housing rate for a one bedroom flat is £550. This is the maximum benefit you will get for your housing. But the warden supported one bedroom flats for over 55s cost £1100 a month in rent. This is only paid by benefits if you have a medical need for the increased support.

What I think you are talking about is simply ordinary housing designated for over 55s. Because of a severe shortage of social housing, that housing in my area has been largely changed to general social housing.