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Soulstarr
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Posted: Thursday March 29th, 2007 10:24 |
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| Everytime i mention wanting to move out, sombody says something about housing associations but I'm not entirely sure how they work. Can anyone shed some light?
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Tahliba
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Posted: Thursday March 29th, 2007 11:12 |
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http://england.shelter.org.uk/advice/advice-3171.cfm/setcountry/true/?r=gaw&WT.srch=1&frmAlias=/associations/
http://www.housingcorp.gov.uk/upload/pdf/Charter_print.pdf
They are social housing.(=cheaper rents) Usually charities supported by Government money.
In terms of application many require that you register via the Council. Some will except registration regardless.
The good thing is many specialise in providing housing for specific groups, for example Caribbean HA's; Learning Disabilities, Single women.
Although they all operate waiting lists.
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bdiamond
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Posted: Thursday March 29th, 2007 22:17 |
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go on the web and click on history of housing assoiciation, this information will give your all the information you are looking for. start being an independent learner and do not wait for others to get information for you. remember, you control your destiny. 
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bdiamond
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Posted: Thursday March 29th, 2007 22:17 |
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| go on the web and click on history of housing assoiciation, this information will give your all the information you are looking for. start being an independent learner and do not wait for others to get information for you. remember, you control your destiny.
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bdiamond
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Posted: Thursday March 29th, 2007 22:17 |
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| go on the web and click on history of housing assoiciation, this information will give your all the information you are looking for. start being an independent learner and do not wait for others to get information for you. remember, you control your destiny.
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bdiamond
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Posted: Thursday March 29th, 2007 22:18 |
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| go on the web and click on history of housing assoiciation, this information will give your all the information you are looking for. start being an independent learner and do not wait for others to get information for you. remember, you control your destiny.
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bdiamond
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Posted: Thursday March 29th, 2007 22:18 |
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| go on the web and click on history of housing assoiciation, this information will give your all the information you are looking for. start being an independent learner and do not wait for others to get information for you. remember, you control your destiny.
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Soulstarr
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Posted: Thursday March 29th, 2007 22:26 |
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bdiamond wrote: go on the web and click on history of housing assoiciation, this information will give your all the information you are looking for. start being an independent learner and do not wait for others to get information for you. remember, you control your destiny.
You do not know me so DON'T make assumptions on my character.
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bdiamond
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Posted: Thursday March 29th, 2007 22:42 |
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stop hating man, i did not make assumptions on your character, what i am trying to tell is that, you control your own destiny. in order to control things in life, you have to start taking control. you have to take yourself out out a box in order to get to another box. so what i am saying to you is that, there are many different ways in finding information, but sometimes you can find the information in your own time and in your own way of thinking.
goodnight, i am currently doing my university essay, so am signing off, later
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bdiamond
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Posted: Friday March 30th, 2007 07:12 |
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HI, everyone, i am feeling happy today, no university for 1 month  yippie
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Tahliba
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Posted: Friday March 30th, 2007 08:58 |
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bdiamond wrote: stop hating man, i did not make assumptions on your character, what i am trying to tell is that, you control your own destiny. in order to control things in life, you have to start taking control. you have to take yourself out out a box in order to get to another box. so what i am saying to you is that, there are many different ways in finding information, but sometimes you can find the information in your own time and in your own way of thinking.
goodnight, i am currently doing my university essay, so am signing off, later
Sometimes it is just easier to ask someone eles!
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Soulstarr
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Posted: Friday March 30th, 2007 09:21 |
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@Tahliba, i mean't to say thanks for the information sis. Contrary to what others may think, i DID check numerous housing association websites but none of them really explained the process properly so it was helpful to have it broken down in human form. 
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bdiamond
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Posted: Friday March 30th, 2007 13:51 |
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Well, I would like to inform you, that maybe you was not searching hard enough. information is vast on the internet, use your local library, go to a housing assoication in your borough. use your thinking skills, its is about making use of your resources.
by the way, r u shy?
where are you friends, can they help you?
i just like to say, i am living in the real world, you are a dreamer.
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Soulstarr
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Posted: Friday March 30th, 2007 13:57 |
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bdiamond wrote: Well, I would like to inform you, that maybe you was not searching hard enough. information is vast on the internet, use your local library, go to a housing assoication in your borough. use your thinking skills, its is about making use of your resources.
by the way, r u shy?
where are you friends, can they help you?
i just like to say, i am living in the real world, you are a dreamer.
oh for crying out loud will you shut the hell up??
You know NOTHING about me and to be real, it aint that serious. I was contemplating something, I asked for a little advice and I got it. The End. I really don't need some sensless half wit telling me what to do and how i should do it and assuming that they know what i have or havent don't.
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bdiamond
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Posted: Friday March 30th, 2007 14:10 |
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you have just described your character. study ethics and you will see what your character is truly like.
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bdiamond
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Posted: Friday March 30th, 2007 14:10 |
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| you have just described your character. study ethics and you will see what your character is truly like.
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Soulstarr
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Posted: Friday March 30th, 2007 14:18 |
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bdiamond
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Posted: Friday March 30th, 2007 14:37 |
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Apedemak
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Posted: Friday March 30th, 2007 15:37 |
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Was gonna apply when I was 17, really wish I did looking back at it now. Local JC should have all the info you need.
http://www.placesforpeople.co.uk/kush/index.aspx
Would probably be better. Last edited on Friday March 30th, 2007 15:40 by Apedemak
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Tahliba
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Posted: Friday March 30th, 2007 18:45 |
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| Forgot to mention they are all big on this part rent, part buy scheme(or is that scam?)
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LadyDay
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Posted: Saturday March 31st, 2007 10:52 |
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call them and ask for an application form and they will either send one to you or advise you to go on yur local housing register
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Mezmerized
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Posted: Friday June 15th, 2007 12:39 |
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Just bumping this thread as i am also getting closed doors at me with this housing issue....i have done the research, have contacted some housing associations and ALL of them keeps saying i have to go through the council.....the problem is, the council ONLY give priorities to people with children, or elderlies. I believe my form was thrown in the bin because they couldn't even find me in the register...  which means i have to hand in another application form next week....even though i am so dis-heartened already.
Oh and i was told by my local housing officer that i am WAISTING my time coming to them...
Does anybody know of those Housing Associations in London that take SELF REFERRALS instead of going through the local council?
Cheers
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Tahliba
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Posted: Sunday June 17th, 2007 13:46 |
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Try these people http://www.housing.org.uk/ And also contact your nearest Shelter organisation. They should provide list of associations and co-operatives that provide housing.
You may have to be a little creative with your application forms.
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Twistedsista
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Posted: Sunday June 17th, 2007 16:46 |
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If you're interested in part /shared ownership, try metropolitan housing association they have a scheme for this which is applicable to anyone earning over 17,000. Search on google
However like Talhiba said when you look into it, it's a bit of a scam
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Le Moor
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Posted: Sunday June 17th, 2007 17:13 |
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Twistedsista wrote: If you're interested in part /shared ownership, try metropolitan housing association they have a scheme for this which is applicable to anyone earning over 17,000. Search on google
However like Talhiba said when you look into it, it's a bit of a scam
Why is it a scam? Its a way for low income earners and those unable to get a deposit together, to get on the housing ladder.
As far as i was aware S.O. schemes operate on a 'first come first serve' basis , unlike the waiting list system the Council operate for their homes. So if any do operate like this, try and find another as many don't.
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Twistedsista
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Posted: Sunday June 17th, 2007 18:32 |
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The reason I say its a scam is because of the rent part of the shared ownership. The ones that have been advertised are part payment towards your owned portion of the property and the other part is 2 loans on which you are paying interest as well as the morgage interest. Yes its a great idea to get on to the property ladder. But most of the money you will be paying out will not be going towards you owning the property.
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Le Moor
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Posted: Sunday June 17th, 2007 19:18 |
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The rental payment isnt an advantage obviously, but if the overall package is affordable, owning 50% of a property is better than owning 0%, surely?.
Remember the schemes allow you to 'Staircase', which put in laymans terms means you can gradually buy more shares in the property right up to the maxuim of 95-100% ownership, depending on which Association you use. The more you own the less you pay in rent. The other altenative is to sell completely once your situation improves and enter the market on standard terms.
I dont see it as a scam, but more as no-one offers nothing for nothing.
An example of exactly how expensive it is as follows.
Asuming a 50% share is on offer, a Shared Ownership purchase price of £120,000 would mean a mtg of £60,000 + rent on the remaining 50% share.
Cost per month of a £60k Repayment mtg, over 25yrs, int rate 5.5%, = £368.45
Typical cost of rent on reamining £60,000 = £225pm
Total cost of shared ownrship package = £ 593.45
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