I am a home owner i can not pay my mortgage how do i get a council house

Bingo, you can sell your house to a housing association and rent it back.

 

I am unsure of current HA's running this scheme, however many do.

 

Please contact them for help!

Shelter have lots of independent advice on their website, including what to do when you can't afford your mortgage: http://england.shelter.org.uk/get_advice/debt_and_arrears/mortgage_arrears

It includes information about the scheme you mention along with other options. I wouldn't discount social housing altogether, just not necessarily a council property.

you go back in time, assassinate maggie thatcher, prevent the sell off of one of the world's greatest public housing stocks and then join a queue which is not impossible to reach the end of.

 

good luck with your problem but you ain't getting a council house, there aren't any available -a tragedy - I grew up in fantastic one

As did so many other people, unsurprisingly the fantastic ones were the first to be sold! However, I don't hold MT solely responsible, no-one forced all those people who didn't vote for her to go against their party's principles and buy.

Anyone seriously strugling to pay their martgage needs to talk to their mortgage supplier asap, practical measures you can take include a 'mortgage holiday' though this is just a temporary solution for a couple of months and will not help in the long term.

A better long term sollution to reduce your monthly outgoings is to change to an 'interest only' mortgage. Your mortgage company should help you to do this with your existing mortgage and without charging ANY fees if you are in difficulties, and it can seriously cut your monthly outgoings. The only downside is that you will only be paying the interest and the mortgage will never reduced, however if you are just trying to make it over the next few weeks, months or years then it doesn't realy matter.

For example: a £70,000 mortgage, at 3.99% will be £233 PCM Cheap as Chips!

for your figure just multiply the amout you owe (eg£70k) by your mortgage percentage rate (0.0399 in this case) and then divide by twelve (moths in the year). and that would be your monthly cost. This is how landlords make a profit from renting out hundred grand houses for five hundred quid a month.

If your mortgage supplier do not assist you with this to help keep your head above water, which they are obliged to do, you sshould seek advice from a credit help charity, not a credit relief company. They will not charge for help and they will negotiate with your mortgage suplier on your behalf.

Best wishes in these difficult times. J

As did so many other people, unsurprisingly the fantastic ones were the first to be sold! However, I don't hold MT solely responsible, no-one forced all those people who didn't vote for her to go against their party's principles and buy.

And they were sold to the people who were living in them at the time.

Had those people not bought them, would they have moved out?

Would they have passed the council leasehold of the house down to other family members?

Are the original purchasers still living in a privately-owned house, maintained at private expense?

If the original purchasers are no longer alive, what did they do with the houses they owned when they died?

Did they not pass them down to other family members?

Every council house that was sold reduced the number of houses owned by the council by one, but as it also reduced the number of tenants by one it made no change to the number of houses available.

It did, however, reduce the number of houses which needed subsidising by one and the number of houses which needed to be repaired/modernised at the taypayers' expense by one.

Should the Councils have been allowed to use the money they got from the sale of Council Houses to build new houses? - Probably.

How would the Council have raised money to make up the shortfall in their budgets if they had not used the money from the sale of Council Houses to fund other schemes? - By raising council rents to match those in the private sector.

DO NOT INFORM YOUR MORTGAGE PROVIDER, I did this when we were struggling to pay our mortgage last year. They immediately put an alert on our account.

We got no help what so ever. No holiday releif, would not let us change to interest only, would not let us change to a fixed rate. Told me that we could miss 3 payments and then they would start proceeding to recover what we owed.

If you take interest only you also have to take out a policy like an 'endowment' forgot what its called. They wouldn't tell me how much payments would be until I had set up this 'policy'. What good is that! Luckily we managed to struggle through, and when I returned to set up a new fixed rate with them, i was told I couldn't because of the alert on our account.

Please talk to CAB first.

Good luck and hope you can turn things around in your favour.

As did so many other people, unsurprisingly the fantastic ones were the first to be sold! However, I don't hold MT solely responsible, no-one forced all those people who didn't vote for her to go against their party's principles and buy.

absolutely - including my committed socialist mum who bought the 4 bedroom house with a big garden for £19,000 many years ago - led to a big fall out, but maggie knew what she was doing, divide and rule - the idea of a massive stock of good quality, communally owned housing was central to labour belief, it only took the whiff of a cheapie and everyone's principles went straight out of the window

We have been in the same boat, went to our local housing and was told that we would be declared homeless and would have to go into a hostel (me hubby and our 2 boys). Our cab were really helpful. We informed our mortgage company nationwide of our situation, and I can't praise them enough they have been fantastic. There is light at the end of the tunnel, good luck.

absolutely - including my committed socialist mum who bought the 4 bedroom house with a big garden for £19,000 many years ago - led to a big fall out, but maggie knew what she was doing, divide and rule - the idea of a massive stock of good quality, communally owned housing was central to labour belief, it only took the whiff of a cheapie and everyone's principles went straight out of the window

How does/did Townie Bliar fit into your utopian socialist society - please tell.

I did not vote for Maggie, but we took advantage of the wonderful opportunity to buy our council house - probably the best thing we ever did. We now have a comfortouble life in our twilight years - all due to Maggie, and despite what Bliar (the war criminal) did to the Country during his and NEW LIEbour's tenure.

Angel.

How does/did Townie Bliar fit into your utopian socialist society - please tell.

 

I did not vote for Maggie, but we took advantage of the wonderful opportunity to buy our council house - probably the best thing we ever did. We now have a comfortouble life in our twilight years - all due to Maggie, and despite what Bliar (the war criminal) did to the Country during his and NEW LIEbour's tenure.

 

Angel.

obviously - getting a nice house for silly money is personally great. problem is, it lead to the current housing crisis and the situation where renting even crappy properties is dearer than buying which leaves great swathes of people unable to have decent housing for their families - just like in victorian and edwardian times when the idea of publicly owned housing was gaining ground for the same reason.

blair - lying war criminal - we agree on that.

Not too much to do with the thread, then...

DO NOT INFORM YOUR MORTGAGE PROVIDER, I did this when we were struggling to pay our mortgage last year. They immediately put an alert on our account.

We got no help what so ever. No holiday releif, would not let us change to interest only, would not let us change to a fixed rate. Told me that we could miss 3 payments and then they would start proceeding to recover what we owed.

If you take interest only you also have to take out a policy like an 'endowment' forgot what its called. They wouldn't tell me how much payments would be until I had set up this 'policy'. What good is that! Luckily we managed to struggle through, and when I returned to set up a new fixed rate with them, i was told I couldn't because of the alert on our account.

Please talk to CAB first.

Good luck and hope you can turn things around in your favour.

Yes talk to CAB but you also need to talk to your lender.

Your situation may not be the same as the OP's.

The last thing a lender wants to do is repossess your house.

They make their money providing mortgages.

OP - Have you any equity in the house? Is selling an option?

If you default and have to have your house repossess you can say goodbye to owning another for a good few years.