Download - Northamptonshire Community Housing Network Housing Training Programme 4 th October 2011 SESSION TWO
Northamptonshire Community Housing Network
Housing Training Programme
4th October 2011
SESSION TWO
The programme is about….
Learning together by sharing and finding things out
We want to help you think about these 4 things
Our Rules 1. You need to come to all the sessions
2. You need to come with a supporter if you are under 18
3. If you live with your family you need to bring a family member with you, and
4. We need to be willing to help each other
5. We all need to respect each other
Today we will look at……
Home work from last time
What we found out
Housing rules, responsibilities & applying for a home
SESSION 2
Session 2 – will cover….
• Tenancy types• Responsibilities of landlords & tenants • Responsibilities of home owners• Who can help us find a home?• Ways of buying a home & rules • How to apply for a home to rent• Understanding Choice based lettings• Finding a private home (buy or rent)
Rights & Responsibilities
Responsibilities & Rights
We all have responsibilities,things we have to do as part of the
agreement about our home
These cover People & LandlordsHome buyers & Home sellers
We also have rights about our homeand how we can live in it
Housing Rules
Where ever we live we all have rules to follow,
Can you name some rules where you live now
Legal Housing Agreements
To live in a home we make an agreement with another person or organisation.
The agreement is between us and the people who supply the home.
Types of Housing AgreementsThere are many types of housing agreement
We can either :-• Buy a home
• Rent a home, or• Stay in a care home
• or hospital
Renting a Home
We can rent a home from:-• a Private Landlord• From a Council or Housing Association• From a Charity or Voluntary Organisation• from Parents & Relatives
Legal ways of Renting a Home
When you rent a home you will have a Tenancy and you become ‘a Tenant’
To do this you need to sign a Tenancy Agreement
This is a legal agreement between You as a Tenant and the Landlord who owns the home
Types of Tenancy agreement
There are many types of tenancy agreement
1. Some mean you can stay in your home for a very long time, like an Assured Tenancy
2. Some let you stay for a shorter time, like an Assured Shorthold Tenancy
3. Some let you rent a room in someone’s home ,a License agreement
The Rules The Tenant follows
You agree to follow the rules of the Tenancy,
1. To make a weekly payment to live there – this is called ‘the Rent’
2. To look after your home, keep it clean & tidy3. To respect people living near by & not make noise4. To report any repairs5. To let the landlord in to do repairs 6. Agree not to damage your home
What the Landlord must do
Landlord agrees to:
1. To make the home available to you to live in for the agreed time
2. To repair & look after the home3. To respect your privacy & only visit when agreed4. To give you regular details of the rent you have paid and
let you know if you get behind
What Happens if you break the rules
It can be very serious if you break the rulesof your tenancy. You could even loose your home
Often you will be warned if youare behind on the rent or if youbreak another rule
What if the Landlord breaks the rules
You can make a complaint if the Landlordbreaks the rules, either to:-
1. Other people that work for the Landlord or2. To the local council, police or Trading Standards
office
Responsibilities of Home Owners
If you own your home you also have responsibilities
• To pay for your home – often pay a mortgage• To keep your home in good order• To get along with neighbours• To let the mortgage company know if you want to rent
out your home
Any Questions Any Thoughts
Playing a Game
The Housing Snakes
& Ladders Game
Getting a Home
Buying a Home
• Buy your home outright• Shared Ownership or Home buy• Buying a home with a mortgage
What is a Mortgage
This is a way many people use to buy their Home. A mortgage is when you borrow the money to buy your home
You can borrow from • A bank• A building society• A trust or a charity• Or your family
Finding a Home to BuyYou can find a home to buy by……
• Looking in the paper• Going to an Estate Agent• Looking on the internet• Talking to people & friends• Talking to a Housing Association if shared ownership
Help with Buying
You will need help to buy your home, you can ask….
• A solicitor• Family & friends• A Housing Association• A Voluntary body like My Safe Home• Your support worker• Delos• The Community Housing Network
Finding a Home to Rent
You can find a home to Rent by……• Applying to the Council’s Housing list• Looking in the paper• Contacting Housing Associations &
charities• Going to an Estate Agents• Looking on the Internet• Contacting a supported housing
provider
Applying to Your Local Council
Every Local Council in Northamptonshire helps people find a home.
They all have a Housing Register that you can apply to go on
When your name comes up on the Register they may offer you a home to rent
How The Housing Register works
Most Councils run a Choice Based lettingSystem to decide whose needs are highestfor a home.
All available homes are listed each week and you can ‘Bid’ for the home you like.
Who ever is the highest on the list against each home is offered the home
How Choiced Based Lettings works
Applying to Keyways Steps:-• You fill in application form to join in• You are registered & then given a band depending
on your level of housing need• You can start bidding for up to 2 properties per
week• If your bid is near the top you may be asked to
view the home• If you like it you can sign a tenancy & move in
About BandingThis is the way the Council’s decide
who is in the most need of a new home. The higher the band the higher your
level of need.
Some Councils band A – D, where A is the highest & D the lowest
If you live with your family you may be in the lowest Band - D
BAND
ABCD
More Information about Choice Based Lettings
The Housing Network did some work with Keyways in the Spring 2011
We produced a very important report & 2 guides saying how it works
These are available today for you to collect
Residential Care
• Larger care homes• Small care homes• NHS Homes & Campuses
Applying for Residential Care
You can apply directly to care homes if you have your own money to pay, or
You can apply to Social Services to have your needs assessed & choose a care home
Rules in a Care Home
These are different to renting your own place:-
• You may have your own room or may share• You will have to help out with home care• You may not have much money left over• You have your meals at set times• Your rights & choices are less• Someone may have to go out with all the time
Any Questions Any Thoughts
Thank you – see you next time
To join the Community Housing Network contact
Marion Turner on
01933 381467
or look at our website
www.myhomemysay.co.uk