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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

In Charging rent

199 replies

Hooseproblems34 · 17/02/2020 09:05

Hi I'm looking for opinions on what others would do in my shoes. I live in a 2 bed council house and in 3 years time I could own it outright I would need about 12,000 to do this. But I would not be able to save that amount .

I have 3 children and one of them has said they would have the savings to do this as have been saving for a deposit. This would be used as a family home for them as they have DC .

Would I be unreasonable in then charging them rent to live here? The property would still be in my name. But obviously I wouldn't be in the position of owning it if it wasn't for them.

I would like it to go to family. But also have two other children to think about. As one said they would of liked to buy it the other isn't bothered. The two other DC don't have children of their own.

So what would you do? I plan on moving in with my partner so don't plan on living in my house in the next 3 years .

OP posts:
user32564567 · 17/02/2020 10:13

It's perfectly legal to buy your SH. And if something came along to give your children a leg up on the housing ladder there's no doubt that you would take advantage of it.

user32564567 · 17/02/2020 10:15

OP your first mistake was to mention SH on MN. Always brings out the ranting and raving about scroungers.

ChardonnaysDistantCousin · 17/02/2020 10:16

OP wants her the money her child has to buy the property in her own name, knowing she will move out and will rent it out.

That's not in the spirit of social housing, User and the fact that you think this is fait thing to do say more about you than about those who think OP is unreasonable.

sunshinesupermum · 17/02/2020 10:17

I agree with other PPs. THIS IS NOT YOUR HOUSE. Give it back to the council if you are not living in it unless you are happy to commit fraud and deprive a family from getting a home. As for charging your DC rent should they be able to buy that is ridiculous.

DelpheDaisy · 17/02/2020 10:17

Can I ask, where do retired people who do not have social housing or their own bought property, live? How do they afford market rent without benefits (if over state pension age) on a state pension?

user32564567 · 17/02/2020 10:20

I don't care what you think about me and I don't even agree with Right to Buy.

But it is legal and I think if anyone on here could take advantage of it, they would. I'm sure their morals would fly out of the window if their DC could buy a house for 12 grand.

Dontdisturbmenow · 17/02/2020 10:25

@MadameMeursault, there is nothing wrong with right to buy when it is used properly, ie. The family worked, all ft once the children are old enough, and they are able to save and pay for it to become their home to stay until they pass away.

Not for a single parent to buy with money they don't have to pass to children whilst they go and live with their partner, getting income from something they've never paid towards or peanuts.

Thesispieces · 17/02/2020 10:30

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

Cyberve · 17/02/2020 10:31

But it is legal and I think if anyone on here could take advantage of it, they would. I'm sure their morals would fly out of the window if their DC could buy a house for 12 grand.

No because I couldn't knowingly take away a house for a tiny amount from another family who was struggling or homeless, or a pensioner who had nowhere to live or anyone who was homeless. Such people who would are lacking in morals and humanity.

Billben · 17/02/2020 10:32

OP, people like you are the reason why the rest of society thinks of people on benefits and in council houses as scroungers.

recordbox · 17/02/2020 10:33

I live in a 2 bed council house and in 3 years time I could own it outright I would need about 12,000 to do this.

Read this a few times. You could not own it outright in 3 years because...

I would not be able to save that amount

I plan on moving in with my partner so don't plan on living in my house in the next 3 years

Return the keys and surrender your lease then

Badoukas · 17/02/2020 10:35

If they lend you their money to buy the house, they should live there rent free while they recoup their savings and buy a place of their own. Then, get a solicitor to do the necessary to ensure that on your death the house goes to your children but with a greater percentage to your child who put in the 12k.

mclover · 17/02/2020 10:35

People like you make it so hard for real people in need. You should be ashamed

Walnutwhipster · 17/02/2020 10:35

What's legal isn't necessarily moral. This sort of shit is the reason for the social housing crisis. Your child will benefit hugely from your 26 year discount and plus they're always undervalued..

BuzzShitbagBobbly · 17/02/2020 10:35

But realistically not many people would turn down the opportunity to buy one if they could, so let’s move past that.

Have you not met the Martyrs of Mumsnet? Grin
They would buy a house at over the asking price, then freely give it away to a random passer by who looked a bit cold, because they are so much better than you or I.

Dontdisturbmenow · 17/02/2020 10:36

But it is legal and I think if anyone on here could take advantage of it, they would
That's where you are very wrong and separate those with asocial conscience and those who really only care about what 4hey can get for themselves, often happen to be the same ones who moan about the government and rich people lacking a sense of social responsibility!

MaryBerrysBomberJacket · 17/02/2020 10:38

Not everyone would take advantage of it; my grandfather was offered the right to buy in the last year of his life, with my mum paying for it. No one in the family could stomach the thought; the council housing had supported my grandparents when they needed it and could go to another family needing it.

I hate the entire right to buy scheme; look at the mess the country is in now.

blue25 · 17/02/2020 10:40

How will you afford the maintenance and upkeep of the house? As others say if you can’t afford to save 12k over 3 years, you’ll struggle.

The costs of home ownership are ongoing.

NomDeDieu · 17/02/2020 10:41

If you are buying ths house and cant save the money in 3 years, I am going to assume that you would be able to save that money lets say in 5 years.
I would ask your older dc to LENT you the difference and reimburse them WITH INTEREST. Then the house would actually be yours (if your older dc gives you the money, it would mean they own part of the house imo).
Then you could discuss how much rent would be, how long they would be able to stay in the house wo paying rent (beause you would be pying the deposit back to them!) etc...

I would also review with a lawyer where you would stand re inheritance. If your olkder dc had been living in the house for 10 years when you die wo paying rent, can the house still be divided equally amongst the dcs??

Last question is a moral one. Seeing how hard it is to get any council house, is it fair for you to buy that house, meaning no one else will be able to have it as a council house, when you are not intending to live in it??

rbmilliner · 17/02/2020 10:44

If they are of working age they should be paying you rent.
That aside would your DC have his / her name on the deeds in anyway as proof of ownership? I'd take legal advice as to how your child would stand if you ever needed to sell the house for any reason for example if you needed to sell the house to cover your care in old age.

user32564567 · 17/02/2020 10:44

You can bang on about morals on MN until the cows come home. It all boils down to, someone has taken advantage of the RTB scheme and you can't.

It's easy to say 'give the keys back' but in reality you would do exactly the same and buy the house given half the chance.

Candyfloss99 · 17/02/2020 11:01

You are everything that is wrong with this country.

user32564567 · 17/02/2020 11:02

And you Candyfloss need the DM comments page.

LolaSkoda · 17/02/2020 11:02

Just because you can do something, it doesn’t mean that you should.

mumwon · 17/02/2020 11:03

been doing a google
basically you cant buy it with someone unless they have been living with you as a family in the last three years (not afterwards that doesn't count)
you need to be living in your home as a tenant (not have sub it to them while you live elsewhere
If you sell it on within 3 years you have to repay discount
any work done on the house within a set period will be taken off the discount
Anything else is illegal & morally wrong
www.gov.uk/right-to-buy-buying-your-council-home/applying
lots of information on other pages on this

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