Empty

Total: £0.00

Mailing ListTwitterFacebook  YouTube

When everyone has a home

Housing and debt helpline for Northern Ireland – 028 9024 5640

Affordability

The Department for Communities announced today they have reviewed and updated the roll out schedule for Universal Credit in Northern Ireland.

As a result, the roll out phase which was due to complete in September 2018 will now be extended to December 2018.

Tagged In

Benefits, Welfare Reform, Affordability

Local charity Housing Rights is urging homeowners with interest only mortgages who do not have a repayment plan in place to contact them for free advice.

The call comes on the back of concerns expressed by the Financial Conduct Authority (FCA) that a significant number of interest only customers may not be able to repay the capital at the end of their mortgage.  According to the FCA nearly one in five mortgage customers have an interest only mortgage. 

Ursula Toner, Advice Services Manager with Housing Rights, commented:

Response for a breathing space scheme for people in serious debt

Our work includes helping people with mortgage, tenancy and other housing debts, and working to ensure that our clients are empowered to sustain their tenancies. Whilst the consultation on a “breathing space” scheme is initially relevant to England, Housing Rights welcomes the potential for this to be extended to Wales and Northern Ireland, and is pleased to have the opportunity to contribute on this basis. 

Tagged In

Policy, Affordability

Coleraine and Magherafelt will be the third area in Northern Ireland to have Universal Credit introduced on the 13 December 2017.

This new benefit will replace Housing Benefit, Working Tax Credits, Child Tax Credit, Income Support, Income based Job Seekers Allowance and income related Employment and Support Allowance.  Anyone of working age who gets these benefits will be affected.

Tagged In

Benefits, Welfare Reform, Affordability

In the recently launched consultation on social housing allocations, the Department for Communities made 20 proposals. We consider one of the biggest of these: allowing the Housing Executive to discharge “Full Duty Applicant” (FDA) homeless households into the private rented sector.

Tagged In

Social Tenancies, Private Tenancies, Policy, Homelessness, Affordability

Chancellor for the Exchequer, Phillip Hammond, has announced a £1.5 billion package to address some of the concerns which have been raised in relation to Universal Credit.

Tagged In

Benefits, Welfare Reform, Affordability

In January 2017 the temporary absence rules for Housing Benefit changed. Since then, there has been a four-week limit placed on absences outside Northern Ireland. If a person is absent from Northern Ireland for more than four weeks, that person is no longer entitled to receive Housing Benefit, unless the absence is for specific reasons.

Tagged In

Benefits, Welfare Reform, Affordability

Regulations converting Support for Mortgage Interest to a loan have recently been passed. We take a look at how the new payments of SMI will operate for claimants.

Loans for mortgage interest

All payments of SMI made on or after 6th April 2018 will take the form of a loan.

Tagged In

Benefits, Repossession, Welfare Reform, Affordability

According to HomeLet rental index for September 2017, the average rents in Northern Ireland have increased at double the UK rate over the past 12 months.

The survey shows the average rent in Northern Ireland in September 2017 rose 4.3% to £636, from £610 in September 2016.

Housing Rights Policy and Practice Officer, Sarah Corrigan, is concerned by the news.

Tagged In

Research, Private Tenancies, Affordability

Pages

Subscribe to Affordability