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Selling a Part ownership HA house

8 replies

fataroundthemiddle · 02/11/2024 14:55

Mother is in a Nursing home , no chance of her coming home, the savings all gone and now need to sell her house. She owns 25%. Housing association told me I need to put it on the market .The costs of having the house valued, Estate agents bills solicitor, plus the Housing association costs etc are all on me (mother).
I am looking after the house minimum bills, security lights , gas on minimum gardener keeping the place looking presentable. Can't buy it myself as don't have the money. Don't live local so now need to make the move and sell.
Of the 25% of mothers share, all the costs paid , the rest will go into the bank and be used for the carehome. It's a lovely house , been very well looked after.
Seems to be alot of trouble for nothing... what would you do? Looking for advice. Have no idea what to do.
What should I do for the best?

OP posts:
Geneticsbunny · 02/11/2024 15:01

I think it they need the money for the care home fees then you don't really have a choice. I don't think you pay the full solicitors fees or anything to estate agents until you complete. Do you have power of attorney for her finances?

dollopofsauce · 02/11/2024 16:13

What do you think your options are? Your mum has an asset that now needs to be sold to pay for her care, no matter how small her share is. I know it's going to be stressful for you but it's what you have to do.
Her bills etc shouldn't be down to you to pay. Do you have access to her accounts through having LPA?

GoingDownLikeBHS · 02/11/2024 16:19

I see what you mean - I think - are you saying that once it's all sold, the money will go direct to care home fees? Will you be forced to sell anyway to pay her fees? Or is her 25% worth so little it would be below the threshold? I think we need more info OP.

Iloveeverycat · 02/11/2024 17:14

Why don't the housing association want to buy it back as its only 25%.

fataroundthemiddle · 11/03/2025 17:32

Sorry I disappeared, I locked myself out of Mumsnet. Back now.
Yes I do have POA. I know the money will go to the care home fees.I do have access to her bank account and with her money I was paying the care home fees plus her share of the HA rent plus the small bills, electric (security lights and cameras) gas ( boiler needs to be kept on minimum. ).Her pension keeps going in... Now I am wondering if I am doing the right thing using her money...All is accounted for... I am not spending it on holidays for myself. Need to take a breath. Back in a minute

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fataroundthemiddle · 11/03/2025 17:42

She has been self funding in the care home for nearly 3 years now Savings are down to £16,000.... the council has stepped in to pay but I get an invoice every 4 weeks and I pay the council back( always out of mothers account)
I contacted the HA about what to do to come into possession of mothers share and they told me to get it on the market and sell it. I also don't understand why they dont take it or sell it as they own 75%...Any advice of any kind will be welcome

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GoingDownLikeBHS · 11/03/2025 23:13

The housing association sometimes insist on selling it themselves or buy back but I suspect from what you have said that it's a low value property? There will be limitations on who can buy it, it's not as simple as just sticking it on the market - did they really tell you that? There's a Facebook group called Shared Ownership Help Group which includes some solicitors, can you post on there to ask for advice?

fataroundthemiddle · 14/03/2025 21:47

Thanks.Will look into that

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