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

Tracy58
Tracy58 Online Community Member Posts: 2 Listener
edited February 2023 in Employment and Support Allowance (ESA)
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.

Comments

  • Cher_Alumni
    Cher_Alumni Scope alumni Posts: 5,714 Championing
    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
    calcotti Online Community Member Posts: 10,001 Championing
    edited February 2023
    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
    poppy123456 Online Community Member Posts: 64,463 Championing
    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
    calcotti Online Community Member Posts: 10,001 Championing
    edited February 2023
    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
    Tracy58 Online Community Member Posts: 2 Listener
    Hi Cher thank you. 
    Calcotti and poppy thank you so much for your replies it helps.

      Tracy <3
  • poppy123456
    poppy123456 Online Community Member Posts: 64,463 Championing
    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.

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