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Hi, I'm thinking of jointly owning my council house, how would it impact my ESA?

Tracy58

I have a question about ESA.
My son and I are thinking about jointly owning my council house he can get a mortgage to buy it. What I want to know would it affect my ESA I have no savings once he uses his deposit neither will he. I am on income based ESA.

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Comments

Cher_Alumni

Hi @Tracy58 and a warm welcome to our community, how are you doing?

As this isn't a topic I have specialist insight into, I've moved it to our ESA category and amended the title to help others spot it and offer their thoughts.

Take care and wishing you a fab Thursday.

calcotti

Makes no difference to your ESA. It will change your HB because you will only be responsible for half the rent. If he currently lives with you and your HB currently has a non dependent deduction for him that would stop if he is a joint tenant.

poppy123456

calcotti said:

Makes no difference to your ESA. It will change your HB because you will only be responsible for half the rent. If he currently lives with you and your HB currently has a non dependent deduction for him that would stop if he is a joint tenant.

But if they jointly own the property then there will be no entitlement to HB anyway.

calcotti

poppy123456 said:

calcotti said:

Makes no difference to your ESA. It will change your HB because you will only be responsible for half the rent. If he currently lives with you and your HB currently has a non dependent deduction for him that would stop if he is a joint tenant.

But if they jointly own the property then there will be no entitlement to HB anyway.

Misread it. Thanks for correcting, poppy. (Don’t know where my brain went!)

Tracy58

Hi Cher thank you.
Calcotti and poppy thank you so much for your replies it helps.

Tracy

poppy123456

calcotti said:

poppy123456 said:

calcotti said:

Makes no difference to your ESA. It will change your HB because you will only be responsible for half the rent. If he currently lives with you and your HB currently has a non dependent deduction for him that would stop if he is a joint tenant.

But if they jointly own the property then there will be no entitlement to HB anyway.

Misread it. Thanks for correcting, poppy. (Don’t know where my brain went!)

No worries. As you're aware, i do exactly the same thing all the time. No surprises really because answering so many threads here does make your brain go side ways sometimes.