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Housing idea where to start

D.L

Hi, this is the first time I’m reaching out in this way, I need any advice, I have a 5 year old non verbal son who lives solely with me, my ex husband and father of my son walked out on us around 2Years ago, forced me to sell the house we owned jointly, I received a fair amount in equity from the sale of the house and moved in with my boyfriend whom I met around a year after the split, it made more sense than trying to support a whole house on my own on a part time wage, so my boyfriend isn’t the person I thought he was, and he struggles to deal with my son and his behaviours and I struggle to want to be in a relationship with him as a result, I want to move out and have a place for myself and my son, I have a good deposit but i don’t know where to start or how I will then afford all the mortgage payments and bills on my own, I don’t think there council would house me because I have 50k in the bank, they’d force me to use that privately renting but that’s the deposit for a house, for my sons security I don’t want to waste it on renting my son needs a home that he can be himself in and where I don’t feel unable to be myself I want a house with a garden as my son spends a lot of time outside, nothing lavish but I just don’t know it I can get any help with housing or getting on the ladder again, I’m so lost and feel so trapped to stay here because I don’t know what else to do, any advice is so so welcome.

Parents

  • Hi and welcome.

    I don't know when you will see this reply or if you will ever see it, as my posts are currently being put into moderation at the moment for no apparent reason (since a recent upgrade, there have been multiple problems with this site)

    However, I do have one suggestion - have you thought about a shared ownership property? See if you can find local housing associations, or speak to someone in your local council's housing department. Housing benefit does not cover mortgage payments but does cover rent, so you would hopefully get some help with housing costs, and you should also get help with council tax. Although you will only own part of your home, there usually the option to buy more shares later if your circumstances change.

Reply

  • Hi and welcome.

    I don't know when you will see this reply or if you will ever see it, as my posts are currently being put into moderation at the moment for no apparent reason (since a recent upgrade, there have been multiple problems with this site)

    However, I do have one suggestion - have you thought about a shared ownership property? See if you can find local housing associations, or speak to someone in your local council's housing department. Housing benefit does not cover mortgage payments but does cover rent, so you would hopefully get some help with housing costs, and you should also get help with council tax. Although you will only own part of your home, there usually the option to buy more shares later if your circumstances change.

Children
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