In other words, you chose to go through all that work, to find a solicitor, to NOT fully “OWN” your home just so you could save on the short term by getting permission to rent a room to assist with the mortgage payments!
I apologise, I'm being pedantic I know, but I dont belive you ever had any option to move the loan which would fully sever any link with DCC.
The OP seems to have abandoned the thread but I have been told over an 8 year period its not possible to move the loan privately due to the clawback on the deeds.
I've mentioned this before in other threads - no single council has a clue how to handle the whole AH scheme. Each council seem to make up their rules. To this end I was successful in getting out of my AH houseing contract 2 years ago and we sold our house without the penalty of the clawback. We should have paid back a considerble sum but because the council could not agree a clawback figure and our solicitor was like a dog with a bone in that he wanted answers, proper answers they threw back figure of €12k ( or thereabouts can't remember excatly now). We were unsure at first but taking our solicitors advice we settled, sold our house privately and have not looked back since.
Problem is becasue the legislation is till up in the air no one council is will make a stand.
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