northamptonshire community housing network housing training programme 1 st november 2011
TRANSCRIPT
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Northamptonshire Community Housing Network
Housing Training Programme
1st November 2011
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Our Rules for Today
1. Listening to & Respecting each other
2. Only one person to speak at a time
3. Put your hand up to speak
4. Be willing to have a go at all exercises
5. Come to the sessions ready to start by 6.30pm
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Today we will look at……
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Home work from last time
What we found out
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The Cost of housing & and help available
•Help with paying the rent
•Help with paying the mortgage
•Help to claim housing benefit
SESSION 4 – 1st Nov 2011
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Session 4 – will cover….• What Housing Costs• The cost of various sorts of housing• Getting help to pay for housing• Housing benefit & Local Housing Allowance
– How to apply
• Mortgage help• Help from families or trusts
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WHAT HOUSING COSTS
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Paying for your homeTo live where you want you need to pay money to stay there.
You will pay this each week or each month
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Paying for your homeThe money you pay will have a different name depending on the legal rules for having your home.
Eg. If you rent your home the payment is called RENT
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Paying for your Home
If you buy your home through a bank or building society this payment would be called
Mortgage
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Costs to help you live You could have 2 or 3 main costs to live where you wish
(a) Money for your home(b) Money for support and(c) Money for care
All of these will affect if you can afford
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Paying for your home
We will look at what it costs for your home
and
How to get help with this
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What Housing Costs
Different sorts of homes cost different amounts of money
Why do you think that is?
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What Housing Costs
Is it because of the SIZE of the home?
Or the space just for you
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What Housing Costs
Might it cost more if you have other services included, like
Care or Support Costs?
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What Housing Costs
Does it cost more if you rent or buy
What do you Think?
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What Housing Costs
Does it cost more if you have a home to yourself
or if you share with others?
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What the many housing options cost
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Buying a Home• Buy your home outright - from £60,000 to
a few £million pounds)
• Buying a home with a mortgage – this varies could be from £300 to £3,000 pm
• Shared Ownership – you pay rent & mortgage monthly, amounts vary
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Renting a 1 or 2 bed House or Flat
• Private from about £85 to £150 pw• Social Housing from about £70 to £100 pw• Parents & Relatives - will vary
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Renting a room in a home or shared
• On your own - from about £55 - £95 pw• With friends where you share the full rent of
the home - from about £50 to about £120 where support is also provided… pw
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Housing with Support or Care
1. Living Residential Care • Larger care homes• Small care homes• NHS Homes & Campuses
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Housing with Support or Care
2. Supported Housing or Living
Housing Cost only - about £80 to £180 pwSupport /care costs – about £300 - £400pw
Total - about £380 & £580 pw
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Housing with Support or Care
3. Sheltered Housing & Extra Care
– Sheltered - about £90 to £120 pw (inc support cost)
– Extra care schemes – about
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Housing with Support or Care
4. Adult Family Placement, like Shared lives services
About £65 pw for rentAnd £360pw for care &support
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Housing with Support or Care
5. HomeshareWhere people swop….
May not cost you much more than usual rent or mortgage costs & could reduce support & care costs
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Community Living
Intentional Communities The local CamphillCosts at Milton Keynes
• Housing Costs £200 pw
• Care costs about £400 pw ave
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The Housing Costs game - N0 1
Look at each picture of a home , how much do you think it costs to live there
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Housing Costs Game No2
Some questions for you to answer
• What home would you like to live in?• What might it cost?• Do you have enough money?• If not, how much more do you need?
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Getting Help with Housing Costs
Different Help
1. Renting – Housing Benefit may help2. Buying – some help with Mortgage3. Help from your friends or family4. Getting more income from benefits or
getting a paid job
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Claiming Housing Benefit
• Money to help you pay your rent• Need to apply to local councils• You may get help you may not• Some people get more help than others
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Housing Benefit – will I qualify
• The amount of money you have coming in will affect the amount of housing benefit you get
• If you have a very small amount of money coming in you may get Housing Benefit
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How to Apply• You have to complete a
form and give it to the Council
• You may need help it can be complicated
• You will need to give them evidence of how much money you have
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Who Qualifies
Some people may not get much or any Housing Benefit, such as:-
(a) People under 35 years old(b) People renting a large house(c) Some people who are working and earn a lot
of money(d) People with a lot of savings
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People with Disabilities
• Sometimes people with severe disability may get more Housing Benefit
• If you need a live in carer you may get more
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Two types of HB System
1. Private Renting – Local Housing Allowance2. Social Renting – General HB
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Local Housing Allowance
• For people renting privately• This is a set amount depending on the size of
your home• Amounts vary across the County• Amounts can change monthly
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HB for Social Renting
• If you qualify may get actual rent amount
• If rent thought to be high it may be limited by the Rent Officer
• If this happens HB paid to limited amount which may be less than your rent
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HB can be very confusing
Arragh!
Its best to get help if you can
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One very important Rule
You must let the Council Know if your money changes
• Goes up or down• If someone moves in with you• Or if you get a job• Or your benefit goes up• Or you leave your home
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Something you might not know
If a family owns a home you can rent it to a family member and they can get HB if they qualify , as long as:-(a) It’s a separate home(b) It’s a proper legal arrangement
Check it out with your local council before you start
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Any Questions Any Thoughts
Thank you – see you next time
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To join the Community Housing Network contact
Marion Turner on
01933 381467
or look at our website
www.myhomemysay.co.uk
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Housing
We live in many sort of homes