Northamptonshire Community Housing Network

Housing Training Programme

1st November 2011

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

Today we will look at……

Home work from last time

What we found out

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

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

WHAT HOUSING COSTS

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

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

Paying for your Home

If you buy your home through a bank or building society this payment would be called

Mortgage

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

Paying for your home

We will look at what it costs for your home

and

How to get help with this

What Housing Costs

Different sorts of homes cost different amounts of money

Why do you think that is?

What Housing Costs

Is it because of the SIZE of the home?

Or the space just for you

What Housing Costs

Might it cost more if you have other services included, like

Care or Support Costs?

What Housing Costs

Does it cost more if you rent or buy

What do you Think?

What Housing Costs

Does it cost more if you have a home to yourself

or if you share with others?

What the many housing options cost

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

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

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

Housing with Support or Care

1. Living Residential Care • Larger care homes• Small care homes• NHS Homes & Campuses

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

Housing with Support or Care

3. Sheltered Housing & Extra Care

– Sheltered - about £90 to £120 pw (inc support cost)

– Extra care schemes – about

Housing with Support or Care

4. Adult Family Placement, like Shared lives services

About £65 pw for rentAnd £360pw for care &support

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

Community Living

Intentional Communities The local CamphillCosts at Milton Keynes

• Housing Costs £200 pw

• Care costs about £400 pw ave

The Housing Costs game - N0 1

Look at each picture of a home , how much do you think it costs to live there

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?

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

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

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

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

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

People with Disabilities

• Sometimes people with severe disability may get more Housing Benefit

• If you need a live in carer you may get more

Two types of HB System

1. Private Renting – Local Housing Allowance2. Social Renting – General HB

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

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

HB can be very confusing

Arragh!

Its best to get help if you can

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

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

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

Housing

We live in many sort of homes