3.—(1) The fact that a secure tenant will be likely to have to make regular payments as an owner of a dwelling-house.
(2) The reference in paragraph (1) to regular payments includes payments in respect of—
(a)any mortgage or charge on the dwelling-house;
(b)building insurance, life assurance, and mortgage payment protection insurance;
(c)council tax;
(d)water, sewerage, gas, electricity, or other utility services.