Council Housing For Ex
The discount rules state that if youve been a public sector tenant for a minimum of 3 years, you qualify for the discount.
This makes it perfect for ex-military to buy their council housing.
According to Citizens Advice you are a public sector tenant if you rent from a local authority , or a registered social landlord. This includes public houses in multiple occupation .
The Housing Act 2004 mentions Armed Forces being public sector tenants pretty much straight away.
If youve ever paid for a room on camp, on tour or anywhere else for at least 3 years, you can buy your property straight away.
OK, so for houses your discount starts at 35% and can go up to a maximum of 70%.
Flats start at a 50% discount rate with a maximum of 70%.
The percentage rate increases with each year you have paid for a public sector tenancy.
What Happens If I Break My Lease Without Orders Or A Military Clause
There are some other limited circumstances you can break a lease, but generally, if the landlord is reasonably living up to his end of the contract you have to live up to yours. And that means that if you break your lease without orders or a legitimate out in the form of, for example, a military clause, expect to be held liable for the entire remainder of the term of the lease, even if you move out.
Break a lease the wrong way, and it can get very expensive, very quickly. You really need to consult with an attorney before you break a lease without the landlord’s agreement. Landlords, however, tend to be reasonable people. If approached nicely but firmly, they will often agree to a necessary modification, especially if the law is on your side. Generally, a negotiated agreement beats a court fight any day.
Having doubts or just want to make sure you’re in the clear? Consulting your local legal assistance office before making big decisions about your lease can save you a lot of time and money.
Captain Matthew “Matt” Reid, is an Army Judge Advocate currently acting as the full time Legal Assistance Officer in Rhode Island. Prior to direct commissioning into the JAG Corps, he served as an enlisted intelligence analyst for 10 years.
Military Home Loan Advantages
No Down Payment Required. With just about any other loan type, homebuyers have to come up with between 3.5% and 20% of the purchase price for the down payment. When buying a house for $250,000, thats at least $8,750 and as much as $50,000 you would have had to save for.
No Monthly Mortgage Insurance. Unlike FHA loans or conventional loans, military home loans dont require monthly mortgage insurance payments. In some cases, thats a savings of hundreds of dollars per month. Use that money to qualify for a bigger home, put toward savings, or pay down your loan principal.
Lenient Credit Requirements. Military home loans dont require a perfect credit score to qualify. In many cases, the lender can approve loan applicants who have previous bankruptcies, late payments, or other credit blemishes. The important part is that youve shown a good credit history recently and explain any previous credit challenges.
Lower Cash Reserves. With many loan types, lenders require you to have enough cash in the bank to pay for two months of mortgage payments, after paying for loan closing costs. But with a military mortgage, no such requirement exists. You just need enough to cover closing costs, and thats it.
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Unmarried Personnel Now Eligible For Military Family Accommodation
Personnel in long-term relationships can now apply for surplus housing, under new co-habitation measures and working arrangements.
Previously, only married couples, those in civil partnerships and those with legally dependent children could live in Service Family Accommodation .
A series of new initiatives, aimed at modernising the living and working arrangements for Armed Forces personnel have been launched, the Defence Secretary has announced.
The new measures include flexible working arrangements, expanded accommodation options and new co-habitation rules.
Personnel no longer need to be married to apply for surplus Service Family Accommodation , with the policy also being extended to same-sex couples.
19th March 2019
Under the new measures, members of the military can now apply for ‘flexible service’, to temporarily work part-time and restrict their separation from their home-base.
It is hoped it will help when there is a change in personal circumstances, for example, having to care for young children or elderly relatives or to enter further education.
Operational capability of the Armed Forces will remain the priority when assessing flexible working applications.
Starting later this year, three bases will enter a pilot for the new Future Accommodation Model.
It means they would be able to live near a partners workplace or their child’s school.
The pilot will last approximately three years.
How The Military Family Housing Works
Here’s what will most likely happen when you report to your first permanent duty station. You’ll arrive with your family and stay in temporary family billeting. This is sort of an on-base “hotel” for incoming and outgoing military members and their families. It’s a good idea to call billeting as soon as you know what day you are going to arrive to make reservations.
You’ll also be assigned a “sponsor” before your arrival . A sponsor is a person in your squadron who is assigned to help make your move easier. You can call your sponsor when you know your arrival date and they can make the billeting reservations for you. There is a small cost for on-base family billeting. You can stay in on-base family billeting for a maximum of 30 days .
If you can’t get into on-base family billeting, you’ll have to rent a motel off-base. Whether or not you stay in on-base family billeting or off-base motel, you will continue to receive your authorized housing allowance . Additionally, for the first ten days following your arrival, you’ll receive a special allowance, called TLE . This special allowance reimburses you for everything , up to $180 per day, per family.
After the ten days is up, you’ll have to pay for billeting or motel out of your pocket .
If you are living off-base, and your on-base family housing becomes available, the military will hire a moving company to move your property from your off-base rental to your on-base family housing unit.
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Military Home Loan Faq + How To Start
How do I get started?
You dont have to know your eligibility status or credit score to start. VA lenders have access to tools that can check those things for you. Veterans or active-duty military who think they may be eligible only need to initiate the process by completing a short online request. The rest of the process is guided by VA lenders who have helped thousands of eligible veterans purchase and refinance property.
How do I know if Im eligible for a military home loan?
You have to meet certain eligibility requirements. Basically, you have to have served in the military a minimum amount of time. Generally, thats 90 days if still on active duty, two years if now retired, or 6 years in the National Guard or Reserves. See complete details on VA home loan eligibility.
What documentation will I need?
For your initial call with a VA mortgage specialist, you dont need anything. He or she will ask you some quick questions to see if you qualify for the VA loan benefit. Start here. As the loan process progresses, youll need things like paystubs, bank statements, and possibly your DD-214.
Are military home loan rates low?
Yes. Mortgage interest rates are typically lower for those applying for a VA home loan. Thats because the U.S. government insures the mortgage, and military mortgages have the lowest default rates of any loan type. So lenders are willing to give low VA mortgage rates to eligible members of the military.
How much can I borrow with a military mortgage?
Requirements For Family Housing
To live in military family housing, you must be living in the house with your dependent. There are exceptions for those who are temporarily deployed, or who are serving a remote overseas tour. In these cases, the family members can continue to live in military family housing, while the member is away. If you are divorced or unmarried, and you have physical custody of a child or children for at least 1/2 the year, you qualify. If you are married and you and your spouse separate , and your spouse moves out, you must terminate your family housing within 60 days. Conversely, if you move out, your spouse/family lose the military housing entitlement, as well .
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Before You Settle On A Tenant Or House Sitter
If you hire a house sitter, take steps to make sure you get the right person:
- Run a credit check. Even if youre not charging rent, you want to make sure the person living in your home will pay utility bills while youre away, especially if you keep the utilities in your name. If you do rent out your home, have the rent directly deposited into your account.
- Ask for references, and check them out. Call the references on the application to find out if the person youre considering is responsible and trustworthy.
Benefits For Women Married To Veterans
Although the Army provides soldiers with on-base housing, some service members may wish to live off base. Although duty postings may require multiple moves during the course of an Army career, some soldiers may nevertheless wish to make a long-term commitment to a particular area and purchase a home. Although the Army normally does not provide soldiers with money specifically to buy a house, it does offer special pay that can be used for housing, whether the soldier is renting or buying.
The Basic Allowance for Housing or BAH provides a monthly stipend to troops who live off their assigned base. Rates depend on your rank, zip code, time served and number of dependents.
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We Help Military Members Save On A Home
Our nation exists because of the courage, perseverance and resolve of our active, reserve and veteran Army, Navy, Air Force, Marine Corps and Coast Guard service men and women. Those who stepped up to protect the values and freedoms our country was founded on. Just as we relied on your service to keep us free, you can depend on us to give back to you and your family when you need a place to call home.You have served this beautiful country. Now it’s our turn to serve you.Let us assist you by making the home buying, selling or refinancing process a breeze, and save you money in the process!
The Basic Housing Allowance
Although the vast majority of Army personnel qualify for a basic housing allowance, the exact amount of funding allocated to them will differ greatly between individuals. This is largely due to the fact that the amount of money offered to an individual soldier is influenced by many factors, including the amount of time they have served in the Army, their current rank, the number of dependents they are responsible for and the location where they are stationed. As you can see, calculating the basic housing allowance for an individual soldier requires a detailed examination of their current situation and their history of service.
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Changes To Surplus Allocations
The way surplus SFA is allocated is changing after Ministers instructed DIO to reduce the amount of empty properties in the UK over the next few years.
Therefore DIO is encouraging Service personnel to use all the available SFA to reduce the void rate.
Amey is now being encouraged to allocate SFA, where availability allows, to all those who are eligible and who currently have an application in for surplus, with the exception of a few areas where housing is in short supply. These sites are Northwood, Brize Norton, Thorney Island, Birmingham and Hereford.
If you are offered surplus, it is unlikely that you will have to move out for an entitled family. Should an entitled family be posted in and there isnt an SFA available, they will be offered SSFA, with the exception of the FAM pilot sites where families will be expected to source their own private rental.
What do you need to do?
What The Recruiter Never Told You About Military Housing
Due to the nature of their job and the less than average income, service members receive housing allowances or have access to military housing facilities. Housing facilities include barracks for single or unaccompanied soldiers and on-base or near-base housing or apartment units for members with family. These accommodations are low-costin some instances free. Eligibility depends on your marital status, dependents, rank, and the availability of empty units at your duty station.
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Joint Service Housing Office
The Joint Service Housing Office is the MODs Tri-Service focal point providing Service Personnel and their dependants with civilian housing information. It is for those wishing to move into civilian accommodation at any time in their career, and for those during resettlement to assist with transition to civilian life.
This through-career information will mean that, regardless of the point at which you decide to make the transition from service to civilian accommodation, individuals will have the background knowledge that will allow you to make informed decisions and choices for the future.
How To Find A Tenant Or House Sitter
Here are resources to help you find someone to live in your home while youre away:
- Installation housing office Your housing office can include your property in the rental listings that it provides service members.
- Network of friends and family Ask if they know anyone who needs a place to live or is willing to move out of their own place to stay temporarily at yours.
- Realtor Call around to realtors in your area to find one willing to list your property as a short-term rental.
- Local or installation newspaper Advertise in your local newspaper in the rentals section of the classified ads.
- Online Post an ad on reputable local websites.
- Installation bulletin board You can sometimes post your listing on a bulletin board on the installation. Check with your housing office to find out if they allow it.
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Military Home Loan Rate Quotes Available Here
If you have military experience and would like to know whether youre a qualifying VA borrower, complete a short online form.
Well let you know if you qualify, or what you still need to become eligible. If you qualify now, well give you a rate quote, the home purchase price you qualify for, and your estimated monthly payment. From there, well issue a pre-approval so you can start house shopping and make your homeownership dreams a reality.
Please contact our support if you are suspicious of any fraudulent activities or have any questions. If you would like to find more information about your benefits, please visit the Official US Government website for theDepartment of Veteran Affairs or the US Department of Housing and Urban Development.
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How Do Landlord Laws Work For Military People
Service in the United States Armed Forces comes with certain benefits and considerations that reflect the uncertain nature of military service. Many military members face sudden mobilization or deployment and must quickly leave established homes and residences. Recognizing the responsibilities of armed forces personnel, federal law seeks to address the relationship between landlords and their enlisted tenants. Military-specific, landlord-tenant laws extend strengthened lease termination, security deposit and eviction protections to military members, among other protections.
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Retirees Civilians Want To Live In Base Housing Yes You Can
We all know that military members with families are eligible to live in base housing when it is available, while single troops are relegated to living in barracks, onboard ships or, if lucky enough, off base.
Did you know that the general public can also live in base housing?
Specifically, they can live in “privatized military housing.”
As part of the base housing privatization process legislated by Public Law 104-106, the Defense Department says that, when the number of vacant homes on any base rises above a certain level, the contractor can rent them to anyone it likes. The program is available on only some bases. Check with your local housing office for details.
Related: Service members and veterans have many options when seeking a VA Loan. Calculate your rate in minutes with our VA Loan Calculator.
While all of the housing areas are different — some have yard maintenance and utilities included, while some don’t some will rent only to DoD civilians and military retirees, while others may rent to anyone each housing company has its own set of rules, but they generally follow the federal guidelines.
If you’re interested in living in a place where you may not have to worry about home or yard maintenance, paying utility bills or homeowners association fees, base housing may be for you. In fact, some of the companies that run the privatized housing call living on base “the ultimate gated community.”