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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland

Affordability

Joseph Rowntree Foundation (JRF) Findings[1] published last month revealed that household incomes, poverty rates and the labour market have all worsened in Northern Irelan

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Social Tenancies, Policy, Affordability

A number of consultation events are just about to get underway to look at new proposals for the operation and administration for the provision of energy efficiency improvements for low income households.

The events are being held as part of a consultation process which is looking at targeting help at low income households, regardless of whether they are in receipt of benefits. The events are being held as follows:

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Affordability

The Court of Appeal has upheld a High Court ruling which found that the Bedroom Tax discriminates against people with disabilities yet held that this discrimination was justified.

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Welfare Reform, Affordability

Housing professionals will be only too aware of the increase in the number of applications for possession of residential dwellings.  What many are less aware of is how useful an application for a Time Order can be to homeowners who risk losing their homes due to a secured loan or second charge.

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Repossession, Case law, Affordability

Advising homeowners who Are at risk of losing their home due to arrears on secured loans is a complex area. With this in mind, it’s essential that you’re aware of the very particular problems that can arise when your client has a second charge on their property. 

Advisers and clients alike need to be aware that when a borrower defaults on payment of a secured loan or a second charge the lender may be entitled to:

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Repossession, Affordability, Adviser

January is always a busy month for our services as people make resolutions to sort out their debt and housing problems.  Getting help can make a massive difference to clients facing repossession, even if they leave it to the very day of their court hearing.  Last week, our adviser at court helped one vulnerable family save their home:

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Repossession, Homelessness, Affordability

I recently met Teresa, a lone parent and Housing Executive tenant in rent arrears.  Teresa was at risk of possession and really needed help. 

Teresa was having difficulties paying her rent because she was under a lot of financial pressure and she had debts including a couple of payday loans which she’d taken out to tide her over at a time when she was finding things particularly tough.

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Social Tenancies, Practical tips, Affordability, Adviser

HM Treasury has announced that the Help to Buy Mortgage Guarantee Scheme is now open to lenders. The scheme offers a government guarantee to lenders in the hope that this will encourage banks and building societies to offer more mortgages to people with a small deposit.  To qualify for the scheme lenders must pay a fee to the government which will then guarantee 15% of the value of the loan.

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Affordability

Here at Housing Rights Service we do a lot of work helping tenants who live in social housing deal with rent arrears and housing benefit problems.  There are so many different aspects to advising someone in this situation that I thought it might be helpful to look at some of the most important elements of a rent arrears case.

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Repossession, Social Tenancies, Affordability, Adviser

Homeless people are more likely to have their benefits sanctioned according to a report published by Homeless Link.

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Welfare Reform, Homelessness, Affordability

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