From the BBC:
“Disabled with a deposit, but
can't buy a house”
(Calum wants to stay in Edinburgh
where his support network is based)
Calum Grevers is looking for his
first house and has a £32,000 mortgage deposit raised through crowdfunding. But
after a three-year search in Edinburgh, he hasn't found a property that he can
afford. Because Calum has muscular dystrophy, his home has to be accessible.
Ideally it should be ground floor, have two bedrooms and an en suite bathroom
that can be converted into a wet room. After growing frustrated with the lack
of availability of social housing, he is attempting to use a Scottish
government scheme aimed at helping first time buyers. But he says restrictions,
including a price limit set by the scheme, have frozen him out of the city's
notoriously competitive housing market. "It feels like you're facing
barrier after barrier," he said. "Especially when you've got the
funding there and it's just some specific rules that is making it far too
difficult to find something. "The fact that so few houses are accessible
reflects the fact that, I think, disabled people's independence isn't really
valued as something that is important. "It kind of feels like you're a
less valued member of society."
The Scottish government said they
were sorry that Calum was finding it difficult to buy his own home. "We
want disabled people in Scotland to have choice, dignity and freedom to access
suitable homes, but we know there is more to do in this area," a spokesman
said. Originally Calum signed up for social housing but was told that on
average, disabled people could spend about three years on the waiting list due
to the limited number of accessible properties. He also became frustrated at
delays in getting an assessment for an accessible home via a social landlord. Instead
he chose to raise money through a crowdfunding campaign and in just over a
year, people had donated £32,800.
'Scheme struck me out'
(Calum said the Lift scheme's
price cap in Edinburgh is too low)
It enabled him to apply for the
Scottish government's Low-cost Initiative for First-Time buyers (Lift) scheme -
a shared equity scheme that was launched in 2007. It allows people to access
financial support to buy a property, while the government owns a 10% to 40% share
in the home. The problem for Calum is the scheme has two restrictions. In
Edinburgh the limit for a two-bedroom property is £165,000, which he says is
too low, and buyers cannot pay more than the home's valuation. According to the
Edinburgh Solicitors Property Centre, buyers paid on average 5% over valuation
in the first three months of this year. Calum said: "In Edinburgh it is unrealistic
to buy a property at valuation price because it is so competitive here. "On
top of that, with the lack of accessible housing, you might have to pay more to
get a house that fits your needs. "That restriction means it's struck me
out of houses that would be suitable, even though there are so few of
them."
'I can't look elsewhere'
Despite the financial challenges,
Edinburgh is Calum's home. He would like to live near to his parents and to his
team of assistants who provide his round-the-clock care. He is also familiar
with the city's public transport and its provisions for wheelchair users - all
things he is reluctant to leave behind. "In another situation, I'd move to
a more affordable area," said Calum. "Because I have a support
network I've built up, with personal assistants and some of the funding I rely
on from the council, I can't just move to a less competitive area with more
affordable houses." Calum has contacted the Scottish government in the
hope they will grant him an exemption to the scheme's rules. In the meantime he
will keep placing offers in the hope that someone will take valuation price -
but Calum, who is 28, fears he could be 30 by the time he can move out of his
parents' home. "I think it's quite important, because I've not really
experience that in my life," he said. "I think it would be important
for my self confidence and my relationship with my parents as well. "Your
relationship can become quite strained if you're with them too long."
'Financial exclusion' Disabilities
campaigner Susie Fitton, of Inclusion Scotland, said the Lift scheme could be
"flexible" at providing additional funding for disabled people who
incur extra costs when buying a home. But she continued: "We've got
sky high property prices and rents in Edinburgh and we've got long waits for
social housing. "There is a very common experience of financial exclusion
and poverty amongst disabled people in Scotland and in Edinburgh in particular.
"And all of this in combination with a chronic shortage of affordable,
accessible and adapted housing can make finding the right house in Edinburgh
and in other parts of Scotland very difficult or impossible." The
Scottish government said disabled applicants were given priority access to the
Lift programme. "This programme also ensures disabled people are
offered flexibility in terms of the properties they can buy through the scheme
so they can search for a home that meets their specific needs," a spokesman
said. "We are increasing the supply of accessible homes as part of
our overall commitment to deliver 110,000 affordable homes by 2032, in addition
to the 108,106 delivered since 2007." He added that, where
possible, all new affordably homes were built to "Housing for Varying
Needs" standards, meaning they have a degree to flexibility to meet
people's needs. "We are also introducing a Scottish Accessible
Homes Standard which all new homes will be expected to achieve from
2025/26," he said.
^ It’s hard enough as it is to
rent or buy a house. Add to that being Disabled and it is much harder. The
Scottish Government (and all the other governments) need to do much more to
help the Disabled rent or buy accessible homes. ^
https://www.bbc.com/news/uk-scotland-edinburgh-east-fife-61246102