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Buying your council house

milewide Avatar
6y, 1m agoPosted 6 years, 1 month ago
Has anyone bought there council house??

I have checked online with my local authority just now and I have to request an application pack, fill that in and take it from there but they have as one of the questions where I will be getting the money from, well whats it to them where I get it from?? it aint anywhere illegal but I dont know yet as I dont know how much they want for it yet. Also say the house is worth £80,000 what kind of discount can I expect to receive (20 years living there)

Thanks
milewide Avatar
6y, 1m agoPosted 6 years, 1 month ago
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[helper]#1
My Auntie purchased her council house after living their just 5 years and recieved a whopping £26,000 discount...so i reckon youll recieve quite a bit x
#2
Think the maximum discount you can get is £38K (down here anyway - hampshire area). Go on right move.co.uk and find a comparable to your house and that will give u an idea of how much yours is worth - that's basically how it's done. As for the funding question - they probably have to ask due to money laundering regulations - you will probably need to provide evidence of where the money is and ID if you state it is cash (put simply).
#3
we bought our house from the council 3 years ago and got around 26000 off as we was council tennants for 6 years thats 4 previous home and 2 the home we have bought off the council,
i think there is a cap, up here liverpool area i think we got just about maximum 26000.
Be aware though you cant take out your equity or borrow anymore until after 3 years of having your mortgage. thats the only thing from buying from council but i suppose getting that massive discount makes it worth while.

Any questions please drop me a message good luck...
Mark
#4
The thing around here now there is no such thing as a council house anymore as they have been taken over by someone else.
#5
with the housing association down here they cap the discount at £16000
4 Likes #6
Shouldn't be allowed imo.
#7
thanks everyone, still pie in the sky until i hear back as to what they want for it

Edited By: milewide on Oct 25, 2010 22:01: spelling error
banned 4 Likes #8
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
#9
Exactly! :|
1 Like #10
I got a council house after leaving the Army, after 2 years i was eligable for the "right to buy" scheme. i got the normal discount plus an extra 7% ( 1% for every year served in the army ) which dropped my house price for £65k to £40k ... can you say bbbbbbbbbaragin ?
#11
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?

i was classed as homeless after leaving the barracks - my parents had no room to house me so i was put as a priority case for rehoming
[helper] 2 Likes #12
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?

Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
[mod] 1 Like #13
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?


Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx


But in that case i would like to think people would then use their new found position to get on the housing ladder privately and free up the house for someone who was in the same position they were at the beginning.
#14
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
plus maybe the other houses in the area are more expensive and maybe (if on a low income) cant afford to get a larger mortgage
#15
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx

If one could now afford it fair enough, but why on earth should they be entitled to discount? that is the part that angers me. Any profit made by the council should go towards new council housing for those who are in need. Its the discount systen thats wrong, not the actual purchasing per say. imo.
#16
geegee-pinata
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
If one could now afford it fair enough, but why on earth should they be entitled to discount? that is the part that angers me. Any profit made by the council should go towards new council housing for those who are in need. Its the discount systen thats wrong, not the actual purchasing per say. imo.
i know that alot of houses here were purchased by the welsh assembly goverment so surely they have some spare money(the councils/housing assoc) from the rent we pay to buy new houses

not all the houses these days can be bought
mine cant,and as we are in a nice area the houses prices here are sky high so we could never afford to buy and my kids are all settled in the local schools and we are part of a nice community
[helper]#17
geegee-pinata
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
If one could now afford it fair enough, but why on earth should they be entitled to discount? that is the part that angers me. Any profit made by the council should go towards new council housing for those who are in need. Its the discount systen thats wrong, not the actual purchasing per say. imo.

Oh i understand what you mean, but the discount is also based on any improvements you have made to the home. For example in my aunties situation she was a single parent of 2, rented the house for 5 years met a fella, they married he was very well off, and therefore they did a lot of stuff to the house, then bought it. Their discount was based on improvements they had done to their house. The slightest thing as in Plastering, Presentation, Wooden Floors, Carpets, Front Doors etc All mounts up, they discount all of that off, well the valuer comes round and looks at it as it stands now values it then asks what you have done and deducts everything off. Then i think you do get a bit of discount for renting it for so long x
#18
I bought mine, got advised to when I left the army, as all my time in the Army counted as a council tenant got maximum discount.

Just dug this up
£38,000 in the South East, unless your home is in
the local authority areas of:
• Chiltern
• Epsom & Ewell
• Hart
• Oxford
• Reading
• Reigate & Banstead
• Tonbridge & Malling
• Vale of the White Horse
• West Berkshire
In these local authority areas, the maximum
discount is £16,000;
£34,000 in the Eastern Region (unless your home is
in Watford where the maximum discount is £16,000)
£30,000 in the South West
£26,000 in the North West, and the West Midlands
£24,000 in the East Midlands, and Yorkshire and the
Humber
£22,000 in the North East
£16,000 in Wales
£16,000 in London (unless your home is in Barking
and Dagenham or Havering, where the maximum
discount is £38,000).
[helper]#19
I too live in a council house in a very very nice area, and will never move, i am not in a position to buy as yet, but when it comes to that i am, i will definately buy this property...I would be stupid not to! x
#20
my mum and dad bought their council house a few years ago now, 3 bed rooms, massive garden, garage and off road parking

just under £30,000....now thats a bargain

Edited By: ilovepink on Oct 26, 2010 10:52: 236
#21
missgem
geegee-pinata
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
If one could now afford it fair enough, but why on earth should they be entitled to discount? that is the part that angers me. Any profit made by the council should go towards new council housing for those who are in need. Its the discount systen thats wrong, not the actual purchasing per say. imo.
Oh i understand what you mean, but the discount is also based on any improvements you have made to the home. For example in my aunties situation she was a single parent of 2, rented the house for 5 years met a fella, they married he was very well off, and therefore they did a lot of stuff to the house, then bought it. Their discount was based on improvements they had done to their house. The slightest thing as in Plastering, Presentation, Wooden Floors, Carpets, Front Doors etc All mounts up, they discount all of that off, well the valuer comes round and looks at it as it stands now values it then asks what you have done and deducts everything off. Then i think you do get a bit of discount for renting it for so long x

I understand where you are coming from and of course, you want to make your house as nice as you possibly can. But i don't think that amount of discount is acceptable. Merely my own views, and good on her for getting the discount as she was clearly entitled to it, i just think its wrong.
#22
no ilovepink. Thats a disgrace.
1 Like #23
Syzable
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
But in that case i would like to think people would then use their new found position to get on the housing ladder privately and free up the house for someone who was in the same position they were at the beginning.

that may not be the case for some people - for the likes of us Yorkshire men who live in towns that are predomentantly made up of council estates, it's more expensive to buy a private home than is a council home you already live in - where your children go to the local school, you have all your friends around you?
Why would i move away from everything i know just so that the council can have my home to give to some one who's more than likely just moved to the country ad doesn't speak english and has their rent paid for them? Plus as Paddy has mentioned we get a big discount on the homes we live in - i got £25k off the price of my house. and tbh i couldn't have afforded much more at the time .. i am now currently looking at selling my home even though the value hasn't changed all that much from when i bought it - the council don't want to buy it back as they have new homes being built for them ...
1 Like #24
we were offered our last house for £64000 and we were going to buy it we had also been on the waiting list for a few years for a bigger house,anyway we were going to stay put and buy it and convert the loft but then we had the neighbour from hell move next door so im glad now we didnt buy
luckily we were then offered the place we are now and our housing officer said our discount should carry over and said we should have the right to buy
we didnt really look much at how much of a state the property was in as we were just happy to move from where we were
then 3yrs ago we applied to buy but the application came back saying this house can never be bought
we live in a nice area have great neighbours,fantastic school etc but we could never afford to get on the property ladder here so will continue to rent until children are older or our situation changes
#25
arcangel111
Syzable
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
But in that case i would like to think people would then use their new found position to get on the housing ladder privately and free up the house for someone who was in the same position they were at the beginning.
that may not be the case for some people - for the likes of us Yorkshire men who live in towns that are predomentantly made up of council estates, it's more expensive to buy a private home than is a council home you already live in - where your children go to the local school, you have all your friends around you?Why would i move away from everything i know just so that the council can have my home to give to some one who's more than likely just moved to the country ad doesn't speak english and has their rent paid for them? Plus as Paddy has mentioned we get a big discount on the homes we live in - i got £25k off the price of my house. and tbh i couldn't have afforded much more at the time .. i am now currently looking at selling my home even though the value hasn't changed all that much from when i bought it - the council don't want to buy it back as they have new homes being built for them ...

Course you would stay put, i completely understand that. However, its the discount system that is wrong.
#26
i know over here the maximum discount they will give u is £16000
#27
geegee-pinata
no ilovepink. Thats a disgrace.


i think thats a bit harsh, they have done nothing wrong, i myself am i victim of the shortage in council homes so i can see from both sides

they both lived in it for many many years, the council actually promoted the idea to them to buy their property, am going back years here now

what the council should of done is build new homes with the money they made from selling the old ones on, i dont know what happens to the money they get so this is just a personal opinion
[mod]#28
arcangel111
Syzable
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
But in that case i would like to think people would then use their new found position to get on the housing ladder privately and free up the house for someone who was in the same position they were at the beginning.


that may not be the case for some people - for the likes of us Yorkshire men who live in towns that are predomentantly made up of council estates, it's more expensive to buy a private home than is a council home you already live in - where your children go to the local school, you have all your friends around you?
Why would i move away from everything i know just so that the council can have my home to give to some one who's more than likely just moved to the country ad doesn't speak english and has their rent paid for them? Plus as Paddy has mentioned we get a big discount on the homes we live in - i got £25k off the price of my house. and tbh i couldn't have afforded much more at the time .. i am now currently looking at selling my home even though the value hasn't changed all that much from when i bought it - the council don't want to buy it back as they have new homes being built for them ...


If i was in your situation i would have done the same...........but i feel the systems still wrong.

I first got on the property ladder at 18 and have always bought my homes. I wasn't rich at 18, i just worked hard to get there and into the position i'm in today.
1 Like #29
the discount system is not wrong ( IMO ) - it is there for the exact reason i am talking about - it gets the council tennants onto the housing ladder and away from rented accomodation - also puts money back into the council coffers for building more homes. if the they were being sold at full market value then most people wouldn't be able to afford them - also if you think about it - they have probably paid the amount of discount in back rent over the years lived there... £500 pcm rent ... well you work it out !
1 Like #30
So many systems are wrong, expenses (both MP and company), taxation, compulsary purchase, i could go on all day.......i am sure if you ask any of the folks who have said it's wrong, "would they?" how many would say, no thank you and either stay as a tenant or do the social "right" and move out and rent privately or buy on the private market.........
#31
I worked VERY hard from the age of 18 - 25 wasn't in a position to "put down roots" so when the time came i was glad for the helping hand !
[mod]#32
It backfired massively where i am..........there are no longer any council houses. Just housing association hell holes in rough estates.
#33
move to Leeds - it's one GIANT council estate !!
#34
arcangel111
Syzable
missgem
lumoruk
Sorry for this but if people can afford to purchase their council house, what are they doing in a council house?
Because most likely at the time of going into a council house they were unable to afford a mortgage etc. But after x amount of years may be in a position to purchase a house, therefore why would you go and look at a different house, if you were happy in the area, and could of spent a lot of money doing that house up, you wouldnt would you, you would stay put. xx
But in that case i would like to think people would then use their new found position to get on the housing ladder privately and free up the house for someone who was in the same position they were at the beginning.
that may not be the case for some people - for the likes of us Yorkshire men who live in towns that are predomentantly made up of council estates, it's more expensive to buy a private home than is a council home you already live in - where your children go to the local school, you have all your friends around you?Why would i move away from everything i know just so that the council can have my home to give to some one who's more than likely just moved to the country ad doesn't speak english and has their rent paid for them? Plus as Paddy has mentioned we get a big discount on the homes we live in - i got £25k off the price of my house. and tbh i couldn't have afforded much more at the time .. i am now currently looking at selling my home even though the value hasn't changed all that much from when i bought it - the council don't want to buy it back as they have new homes being built for them ...

or it could free it up for people who were in exactly the same situation as yourself who are currently homeless.
#35
ilovepink
geegee-pinata
no ilovepink. Thats a disgrace.
i think thats a bit harsh, they have done nothing wrong, i myself am i victim of the shortage in council homes so i can see from both sides they both lived in it for many many years, the council actually promoted the idea to them to buy their property, am going back years here nowwhat the council should of done is build new homes with the money they made from selling the old ones on, i dont know what happens to the money they get so this is just a personal opinion
Not harsh - realistic. Nothing personal at all, (am assuming based on the average house price, and the fact that you said few years ago) But surely as house prices have risen so dramatically, there should be a system in place to pay that discount back. Why people should be allowed to make massive profit on what was initially a benefit (the house) is beyond me. (seriously nothing personal here) :)
[helper]#36
Thing is the council probably didnt pay much for the house to begin with, so giving people discount may probably get them there money back and a bit besides, and this money should then go to building new homes. Im sorry but i disagree with buying a different house, when like i said before you could be settled in the area, kids in school, and then you up and move just to free up your house that has been your home for x amount of years, nope sorry! x
1 Like #37
arcangel111
the discount system is not wrong ( IMO ) - it is there for the exact reason i am talking about - it gets the council tennants onto the housing ladder and away from rented accomodation - also puts money back into the council coffers for building more homes. if the they were being sold at full market value then most people wouldn't be able to afford them - also if you think about it - they have probably paid the amount of discount in back rent over the years lived there... £500 pcm rent ... well you work it out !
i too have paid rent through the years and spent thousands on renovating the property tbh the condition they gave it to us in was appauling electric sockets hanging off the walls in childrens bedroom live wires out etc
we had problems with electric from day on i know we kept getting a shock of our dishwasher too so they have done a re-wire now (after 4 yrs) we only had a couple of cupboards in the kitchen to which were rotten but luckily they have put new kitchen in too now
we have done alot of work ourselves but it has taken us years but the did the major work the re-wire and the kitchen
#38
@ Randa1 - again i mirror someone elses comments. i spent money and time redecorating, making the house my Home. don't want anyone else to just walk in - plus i wasn't in a position to get a £150k mortgage to buy a new home. /discussion :)
[helper]#39
or it could free it up for people who were in exactly the same situation as yourself who are currently homeless
[b]
[/b]

What foreigners? The majority of people here where i live who are waiting for houses are foreigners, and are getting houses before british people, which is god damn wrong! Not our fault they decided to move over here with their 20 kids, 15 brothers and sisters, and 2 sets of parents! There should be enough money from the rent and from the buying of council houses to build more houses!
#40
geegee-pinata
ilovepink
geegee-pinata
no ilovepink. Thats a disgrace.
i think thats a bit harsh, they have done nothing wrong, i myself am i victim of the shortage in council homes so i can see from both sides they both lived in it for many many years, the council actually promoted the idea to them to buy their property, am going back years here nowwhat the council should of done is build new homes with the money they made from selling the old ones on, i dont know what happens to the money they get so this is just a personal opinion

Not harsh - realistic. Nothing personal at all, (am assuming based on the average house price, and the fact that you said few years ago) But surely as house prices have risen so dramatically, there should be a system in place to pay that discount back. Why people should be allowed to make massive profit on what was initially a benefit (the house) is beyond me. (seriously nothing personal here) :)

geegee-pinata
ilovepink
geegee-pinata
no ilovepink. Thats a disgrace.
i think thats a bit harsh, they have done nothing wrong, i myself am i victim of the shortage in council homes so i can see from both sides they both lived in it for many many years, the council actually promoted the idea to them to buy their property, am going back years here nowwhat the council should of done is build new homes with the money they made from selling the old ones on, i dont know what happens to the money they get so this is just a personal opinion

Not harsh - realistic. Nothing personal at all, (am assuming based on the average house price, and the fact that you said few years ago) But surely as house prices have risen so dramatically, there should be a system in place to pay that discount back. Why people should be allowed to make massive profit on what was initially a benefit (the house) is beyond me. (seriously nothing personal here) :)


i didnt mean harsh about just my parents i ment everyone :)

i can absolutey understand about the making a profit as the house is now worth loads more, saying that my dad has paid to have stuff done to it, central heating, double glazing etc etc and has the potential to be extended a lot

i just think if the money made by selling was put back into building new homes then the situation wouldnt be as bad (the need for homes)

obviously there is a cap on the discount now, which is a lot less than it was for my mum and dad

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