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Allowances vs Moving into Quarters

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Allowances vs Moving into Quarters

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Old 23rd Dec 2010, 10:03
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Right,

The plan is I'm changing my name to Tigger and I'm going to rent my mate Spot's 3 bed detached with garage in Cartoontown. He in turn will rent my place. Funny old thing, it turn's out I'm not the only one to have thought of this. My Boss, Wg Cdr Daisy is renting a nice 5 bed from Gp Capt Flopsy!

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Old 23rd Dec 2010, 14:18
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HM Revenue & Customs: Rent a room scheme

Sorted.
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Old 23rd Dec 2010, 21:26
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BEagle

Let me explain (I'm sure you know anyway)

This post is about "moving into quarters" and depending on your rank/furnishings/garage requirements then the rent of an average officer quarter is about £300.

Nothing to do with Cartertown or Witney...

LJ
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Old 23rd Dec 2010, 21:55
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No, I didn't know what you meant.

So, are you saying that the rent of the 'average' OMQ is a mere £300 p.c.m.?

If there are insufficient military MQs at a particular location, who pays the difference between this £300 and the going rate for similar housing at that location?
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Old 24th Dec 2010, 07:23
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There is a sliding scale of rent allowances relevant to rank and I think London has an extra allowance. You should be offered three properties and you select one. Any surplus between your allowance and reality is picked up by the tenant. You still get HTD (public rate?). Be warned, those that get very comfy in their hiring, should a MOQ become available, you could find yourself moved back in.
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Old 24th Dec 2010, 07:46
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BEagle

Apologies for not being clearer in the original post - too many ales!

On this Question:

If there are insufficient military MQs at a particular location, who pays the difference between this £300 and the going rate for similar housing at that location?
That'll be the taxpayer then - d'oh! Another "own goal" of Mr Osborne then...

LJ
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Old 24th Dec 2010, 07:51
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In reply to Beagle.

My last AMQ was a private hiring, due to no MQ's available at my adopted unit. I had a nice 3 bed (plus 2 large studies). I only paid grade 1 accom which with the garage was about £300. There was a ceiling to the monthly rent, however this place was sourced by an agent appointed by the MQ people within budget. The only bummer was the extra cost to heat it.
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Old 24th Dec 2010, 09:41
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Thanks, Leon!

So, let's say a Flt Lt with 2 years in the rank is on middle rate flying pay. That means he'll be paid about £49K before tax.

If he and his family are in furnished accommodation, let's say Officer IV Grade 2 (whatever that is), he'll pay about £353 per month? Even for a property which has a market rental rate of £1200 pcm due to location?

Then the £(1200-353) = £847 per month is paid for by the taxpayer?

So it might seem like a good idea to rent - rather than pay a £250000+ mortgage.....

....until retirement or redundancy comes knocking, that is.
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Old 24th Dec 2010, 09:57
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And lets not forget the Officer/Sgt/Airmen who wants to live in the mess but due to the lack of rooms available on camp, shares a rented house of their choice off camp (normally with one other serviceman) and even gets paid a little extra for the 'hassle'.
I know singlies that have sold up or stopped renting so they could 'move back to the mess' knowing that there is insufficient space, they can then move into a decent house in an area of their choice and the MoD will foot the bill.
Closing/consolidating bases is one thing but there needs to be suitable investment in infrastructure - on the camp where I have spent the last 5 years there has been NONE!
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Old 24th Dec 2010, 10:06
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So it might seem like a good idea to rent - rather than pay a £250000+ mortgage.....

....until retirement or redundancy comes knocking, that is.
Or, rent out your home that is 40 miles away from camp at 1300 per month, move back into quarters or ssfa, at 300 pound a month, and watch whilst the bean counters realize they have scored an own goal by axe-ing home to duty.
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Old 24th Dec 2010, 12:24
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Actually, the costs of SFA are freely available and published every year by the AFPRB. The latest can be found here. You can see that they are quite a bit more than Beagle suggests, but less than you'd pay on the open market in some areas - that's something that the AFPRB are working on.

However, I suspect that the large number of personnel who choose to commute weekly at the moment may think otherwise if GYH(P) is hit or Mess charges increased. Withdrawing GYH(P) may therefore result in a disproportionate increase in SFA cost for the MOD - hence the overall cost to Defence would probably increase. But knowing the way the bean-counters seem to work these days, they probably haven't thought it through. I guess we'll see in the New Year.
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Old 24th Dec 2010, 13:26
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...let's say Officer IV Grade 2 (whatever that is), he'll pay about £353 per month?...
The table states £4227 for an Officer IV Grade 2; £4227/12 = £352.25....

You can see that they are quite a bit more than BEagle suggests...
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Old 26th Dec 2010, 14:53
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Exactly my point! The idea of moving to MQ, although not too desirable would make economic sense, plus strike a very small but somewhat pleasing blow to the bean counters!
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Old 26th Dec 2010, 17:26
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Firmly of the opinion that anyone who bases their individual housing decisions on something as nebulous as HTD should not be allowed to have a mortgage and should be forced to live in MQ's under financial supervision, feckin drama queens
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Old 26th Dec 2010, 18:58
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Firmly of the opinion that anyone who bases their individual housing decisions on something as nebulous as HTD should not be allowed to have a mortgage
I might not go quite that far, but you are correct in stating that people shouldn't base their financial decisions on allowances. However, based on your theory, would you go as far as to say that those receiving flying pay shouldn't include that in their financial calculations?

I suspect that financial advisers and the like would say one thing. However, as far as MOD is concerned, it all adds up as part of the renumeration package.
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Old 26th Dec 2010, 22:21
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Not received flying pay for a good few years now however have received HTD here in Wilts since 97.

After a daily 28 mile round trip I get the princely sum of **** all each month, hence my assertion that any chimp who worries about HTD in his/hers overall annual financial plan should be forced to live in quarters
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Old 27th Dec 2010, 09:00
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Merry Christmas everyone,
I can't quote fact, but last year I was faced with a short notice posting to the Oxfordshire area and there were no quarters available. Cue much teeth sucking by DHE who said it would take a while as all SSFA (?) applications were vetted individually because it was costing them TOO MUCH...
So they suggested to me that they were taking a financial hit for gambling on how many quarters would be needed, and the cynic would suggest that the long 'vetting' procedure may have been cunningly planned to be long enough for a SFA to come available??
None the less, we have talked about people electing to move back into quarters but the military isn't exempt the difficulties getting onto the market, so as well as people moving back there will be a huge number of people taking MQs as their first step compared to recent years...
I hope DHE/DE pay the price, I'm fed up of being a cash cow for a private company with no tenants rights!!!
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