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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland

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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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Over the last few of weeks, a number of challenges to the ‘bedroom tax’ have been heard in Great Britain. The bedroom tax is a new measure introduced under the Government’s programme of welfare reform whereby the amount of Housing Benefit which a social tenant receives will be reduced if they are regarded as under-occupying their home. The bedroom tax has not yet been introduced in Northern Ireland.

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Social Tenancies, Welfare Reform, Legal

The decisions of the Supreme Court in the cases of Pinnock and Powell in 2010 and 2011 opened up the possibility of using a human rights argument when advising clients faced with possession action.

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Repossession, Case law

The need for a fresh look at helping the homeless

On 10th October 2013 people around the world will mark World Homeless Day. On this auspicious day Housing Rights Service is keen to draw attention to the needs of local homeless people and promote discussion on how policy makers can effectively end the scourge of homelessness.

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Private Tenancies, Homelessness

It seems that not a day goes by without the media being dominated by stories about welfare reform and the impact that it is having on people; especially in Great Britain where Universal Credit is being gradually introduced.

As a forerunner to future changes to welfare benefits in Northern Ireland, a number of reforms to Housing Benefit (HB) have already been implemented over the last number of years.

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Social Tenancies, Welfare Reform