Renting on benefits


S

Sky_geek

:posted for a friend:

Afternoon folks,

Basically I have a housing association flat (one bedroom) all very
nice actually, but I have an ex in whom by we have a son together and
I want to be nearer to my son. I live about 110 miles away so
commuting is expensive and tiring.

I want to move to scotland into a housing association place, BUT there
are no one bed properties for out of towners to walk stright into as
there is a long long long waiting list.

I was wondering as I'm on income support and disability living
allowance if I could use my benefits to find somewhere to rent like a
small one bed flat near and pay for the rent myself out of my
benefits ?

I've never rented in my life so I haved absolutely no idea what I need
to do ? ......do I just look in the lettings and apply ?

I just hope if I can econimise enough I can afford it all.

Or am I making a big mistake by giving up a good flat with the housing
association ?

I'm so nervous about such a big move and scared I'll fall flat on my
face.

Could do with some advice on this situation please.

Ta
 
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S

Sky_geek

You can certainly privately rent a one bedroom flat and can claim
Housing Benefit to help cover the rent. As you are on Income Support you
will receive a standard amount of Housing Benefit as determined by the
Local Housing Allowance (LHA) for the area you wish to rent in.

The amount you will get can be found by following this link and looking
up the area in which you wish to rent.

https://lha-direct.therentservice.gov.uk/Secure/LHASearchIntro.aspx

Click on "Local Authority Search" (or "Post Code Search") and then
choose the LHA type (see below - for you it will normally be "one
bedroom self contained" i.e. a self contained one bedroomed
accommodation. If you are under 25 the rate may be "one bedroom with
shared facilities". Then choose the area and do a search. The maximum
amount you can get will then display.

You will only receive LHA for the "one bedroom self contained" rate for
the area since you are classed as needing only one bedroom, unless you
share with someone else or are aged under 25. If you are under 25 you
will only receive the "one bedroom with shared facilities" rate unless
you receive your DLA care component at the middle or higher rate. There
are a couple of other exemptions for under 25s too, mainly related to
recently leaving care.

You may be better off speaking to your housing officer at the housing
association. They may be able to help you with practical advice about
moving and there are schemes to help people move to other parts of the
UK. They may also have a welfare rights officer who can help with the
benefits side including applying for Social Fund loans for other costs
connected with moving.
Thanks super helpful!
 
N

Niteawk

Sky_geek said:
:posted for a friend:

Afternoon folks,

Basically I have a housing association flat (one bedroom) all very
nice actually, but I have an ex in whom by we have a son together and
I want to be nearer to my son. I live about 110 miles away so
commuting is expensive and tiring.

I want to move to scotland into a housing association place, BUT there
are no one bed properties for out of towners to walk stright into as
there is a long long long waiting list.

I was wondering as I'm on income support and disability living
allowance if I could use my benefits to find somewhere to rent like a
small one bed flat near and pay for the rent myself out of my
benefits ?

I've never rented in my life so I haved absolutely no idea what I need
to do ? ......do I just look in the lettings and apply ?

I just hope if I can econimise enough I can afford it all.

Or am I making a big mistake by giving up a good flat with the housing
association ?

I'm so nervous about such a big move and scared I'll fall flat on my
face.

Could do with some advice on this situation please.

Ta
Stay where you are, tell her to move. As she has a nipper it will be easy
for her to get a housing association property, probably in the same block
you live in so you only have to walk down the hall to visit.
 
M

mart2306

Stay where you are, tell her to move. As she has a nipper it will be easy
for her to get a housing association property, probably in the same block
you live in so you only have to walk down the hall to visit.- Hide quoted text -

- Show quoted text -
Or possibly somewhere a lot less suitable than she has now and not
with the same child facilities nearby. Nothing to say even with the
same housing association.

Martin <><
 
S

Sky_geek

You can certainly privately rent a one bedroom flat and can claim
Housing Benefit to help cover the rent. As you are on Income Support you
will receive a standard amount of Housing Benefit as determined by the
Local Housing Allowance (LHA) for the area you wish to rent in.

The amount you will get can be found by following this link and looking
up the area in which you wish to rent.

https://lha-direct.therentservice.gov.uk/Secure/LHASearchIntro.aspx

Click on "Local Authority Search" (or "Post Code Search") and then
choose the LHA type (see below - for you it will normally be "one
bedroom self contained" i.e. a self contained one bedroomed
accommodation. If you are under 25 the rate may be "one bedroom with
shared facilities". Then choose the area and do a search. The maximum
amount you can get will then display.

You will only receive LHA for the "one bedroom self contained" rate for
the area since you are classed as needing only one bedroom, unless you
share with someone else or are aged under 25. If you are under 25 you
will only receive the "one bedroom with shared facilities" rate unless
you receive your DLA care component at the middle or higher rate. There
are a couple of other exemptions for under 25s too, mainly related to
recently leaving care.

You may be better off speaking to your housing officer at the housing
association. They may be able to help you with practical advice about
moving and there are schemes to help people move to other parts of the
UK. They may also have a welfare rights officer who can help with the
benefits side including applying for Social Fund loans for other costs
connected with moving.
Thanks for that buddy.

I hope I may ask a few more questions:

Basically so what do I do now ... Do I go out and find somewhere,
check the place out and agree to some kind of renting ? and then sign
on the dotted line and then apply for housing and ocuncil tax
benefit. ? ... but whilst its being worked out do I have to pay the
rent in the mean time ?

....I found one place already, the guy said he needs £950 upfront which
is a depost and one months rent. Rent is £400 a month. Council tax is
£794 I think. He said he needs that £950 upfront before I move in. So
do I save up and pay for the deposit and one month and then fill out
the housing benefit and coulcil tax form ASAP and then wait for them
to do my claim (how long may that take ?) as I may not have to finds
to pay for month number 2.

I read I can get an application for housing benefit and ocuncil tax
from the jobcentre ?

As I'm moving from another part of the country how do I go about
chenging my benefits over ? do I just tell them my address is changed
and they will continue my benefits payment into my bank ?

Also sorry :) what happens if this person say decides to sell their
flat or ask me to leave or something effectively I'll be homeless ?
what would I do then ? as moving is a expensive thing.

So when you move I'm trying to make a list of htings you must get
round to doing please correct me if I'm wrong or add things to it,
would be very very helpful as I feel so stressed out and I don;t want
to forget anything.

Change address on driving license
Contact DLA and Income support and tell of new address
Set up electricity (how do I do that?)
Tell bank of new address
Mobile company of new address
Contact water/sewage to set up an account (found that already)
Tell TV lincece people of change of address
Car insurance company of change of details
Also send the vehicle registration form for change of address
Electrol register ? (How'd I do that one ?)

Have I missed anything ? :-s

Appreciate the guidance as I'm very nervous and apprehensive about
doing this. To be honest a bit scared.

Thank you all sooo much!
 
M

mart2306

Thanks for that buddy.

I hope I may ask a few more questions:

Basically so what do I do now ... Do I go out and find somewhere,
check the place out and agree to some kind of renting ? and then sign
on the dotted line and then apply for housing and ocuncil tax
benefit. ? ... but whilst its being worked out do I have to pay the
rent in the mean time ?

...I found one place already, the guy said he needs £950 upfront which
is a depost and one months rent. Rent is £400 a month. Council tax is
£794 I think. He said he needs that £950 upfront before I move in. So
do I save up and pay for the deposit and one month and then fill out
the housing benefit and coulcil tax form ASAP and then wait for them
to do my claim (how long may that take ?) as I may not have to finds
to pay for month number 2.

I read I can get an application for housing benefit and ocuncil tax
from the jobcentre ?

As I'm moving from another part of the country how do I go about
chenging my benefits over ? do I just tell them my address is changed
and they will continue my benefits payment into my bank ?

Also sorry :) what happens if this person say decides to sell their
flat or ask me to leave or something effectively I'll be homeless ?
what would I do then ? as moving is a expensive thing.

So when you move I'm trying to make a list of htings you must get
round to doing please correct me if I'm wrong or add things to it,
would be very very helpful as I feel so stressed out and I don;t want
to forget anything.

Change address on driving license
Contact DLA and Income support and tell of new address
Set up electricity (how do I do that?)
Tell bank of new address
Mobile company of new address
Contact water/sewage to set up an account (found that already)
Tell TV lincece people of change of address
Car insurance company of change of details
Also send the vehicle registration form for change of address
Electrol register ? (How'd I do that one ?)

Have I missed anything ? :-s

Appreciate the guidance as I'm very nervous and apprehensive about
doing this. To be honest a bit scared.

Thank you all sooo much!- Hide quoted text -

- Show quoted text -
If the landlord decides to sell the flat, doesn't want to renew
contract or wants you out then its up to you to find another place. Or
if landlord goes bankrupt or his company goes under again you are out.
Or be homeless. Your choice, up to you to find somewhere though many
areas do have help finding accomodation.
Yes, moving is expensive. Not sure there's any help for that but
looking at a couple if hundred pounds to move someone if getting a
couple of guys and hiring a van. Or maybe friends will work for free
and someone has a van you can borrow.

Martin <><
 
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R

Robbie

Sky_geek said:
Thanks for that buddy.

I hope I may ask a few more questions:

Basically so what do I do now ... Do I go out and find somewhere,
check the place out and agree to some kind of renting ? and then sign
on the dotted line and then apply for housing and ocuncil tax
benefit. ? ... but whilst its being worked out do I have to pay the
rent in the mean time ?
To get HB and CTB, yes that's all you have to do. What happens with
regards to paying rent in the meantime will be between yourself and your
landlord. Some landlords will wait until the HB is sorted out, others
aren't as generous
...I found one place already, the guy said he needs £950 upfront which
is a depost and one months rent. Rent is £400 a month. Council tax is
£794 I think. He said he needs that £950 upfront before I move in. So
do I save up and pay for the deposit and one month and then fill out
the housing benefit and coulcil tax form ASAP and then wait for them
to do my claim (how long may that take ?) as I may not have to finds
to pay for month number 2.
To get HB you will need to have moved in although you can claim HB up to
12 weeks (I believe, not 100% sure) in advance of moving in though no
benefit can be paid until you are living there.

You can claim a Social Fund payment for rent in advance though not for a
deposit. The SF payment is a repayable loan and will be either a
Budgeting Loan or a Crisis Loan (the latter being less likely to be paid
unless it is a genuine emergency).

I read I can get an application for housing benefit and ocuncil tax
from the jobcentre ?
You will need to complete a new Income Support form for when you move,
there should be a HB / CTB form with that. You can contact the relevant
council direct and get a form from them if you want.

As I'm moving from another part of the country how do I go about
chenging my benefits over ? do I just tell them my address is changed
and they will continue my benefits payment into my bank ?
Contact your current benefit paying office (for Income Support) to get
advice about this, they should be able to tell you how you go about this.

For DLA you just phone them up to report a change of address.

Also sorry :) what happens if this person say decides to sell their
flat or ask me to leave or something effectively I'll be homeless ?
what would I do then ? as moving is a expensive thing.
I'm afraid that's a chance you take. You will be giving up a secure
accommodation for a less secure tenancy.

So when you move I'm trying to make a list of htings you must get
round to doing please correct me if I'm wrong or add things to it,
would be very very helpful as I feel so stressed out and I don;t want
to forget anything.

Change address on driving license
Contact DLA and Income support and tell of new address
Set up electricity (how do I do that?)
Tell bank of new address
Mobile company of new address
Contact water/sewage to set up an account (found that already)
Tell TV lincece people of change of address
Car insurance company of change of details
Also send the vehicle registration form for change of address
Electrol register ? (How'd I do that one ?)

Have I missed anything ? :-s
You will need to register with a new Doctor, Dentist

Appreciate the guidance as I'm very nervous and apprehensive about
doing this. To be honest a bit scared.

Thank you all sooo much!
If you have a car why can't you try and arrange access to your son which
could involve, for example, weekend stays at your place. If the ex is a
100 miles or so away surely it would be cheaper to drive up and back
than to give up a secure tenancy and to incur expenses over the next
month or two which will run to over £1,000?
 
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A

anthonyberet

Sky_geek said:
:posted for a friend:

Afternoon folks,

Basically I have a housing association flat (one bedroom) all very
nice actually, but I have an ex in whom by we have a son together and
I want to be nearer to my son. I live about 110 miles away so
commuting is expensive and tiring.

I want to move to scotland into a housing association place, BUT there
are no one bed properties for out of towners to walk stright into as
there is a long long long waiting list.
Are you aware of the mutual exchange scheme?
This might help you:

http://www.direct.gov.uk/en/HomeAndCommunity/SocialHousingAndCareHomes/MovingHome/DG_10025972
 

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