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SDP and boarder

daniiD
Community member Posts: 2 Listener
Hi I get SDP and PIP and income related ESA
And have 1 child on dla
I have a spare room that a friend of a friend wants to rent
I wanted to charge £150 for the room since my rent is £675 and I get £529 coverd by my housing benefits
Would I lose my SDP ?
How much would I lose from housing and esa for renting the room ?
Thank you
And have 1 child on dla
I have a spare room that a friend of a friend wants to rent
I wanted to charge £150 for the room since my rent is £675 and I get £529 coverd by my housing benefits
Would I lose my SDP ?
How much would I lose from housing and esa for renting the room ?
Thank you
Comments
-
If it’s a commercial agreement and you’re not related to the lodger then it will not affect your SDP.!
Are you renting privately or social housing? Do you have permission from your landlord to take on a lodger?The rent from your lodger will be classed as income for your housing benefit. There’s some information here https://www.citizensadvice.org.uk/housing/renting-a-home/lodging-index/taking-in-a-lodger-what-you-need-to-think-about-first/#:~:text=If%20you%20take%20in%20a,as%20income%2C%20as%20explained%20above.You will also lose your single person discount for council tax.I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
For income based ESA only £20 of income from a lodger is ignored. You you charge £150/week you will lose £130/week from your ESA (if it is all income based). As you see from above letting the room only increases income by £20/week. However, if you still have income based ESA after the lodger deduction then your Housing Benefit would still be the maximum entitlement (and the HB would increase because the room would no longer be spare).
You should also check what you might check if you claimed Universal Credit instead. Normally ESA with SDP would pay more than UC but under UC the room occupied a lodger would still be treated as spare but the income from the lodger would be ignored. UC may therefore given you a higher income overall - but if you later decide you don't want a lodger you will not be able to go back to ESA.
You should use a benefit calculator or get advice for a full benefit check before doing anything and consider whether or not having a lodger is likely to be a long term situation or only temporary.
Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
Thanks calcotti, apologise to the OP for giving incorrect information. I thought the decrease would come from HB and not from the Income Based ESA.
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
poppy123456 said:Thanks calcotti, apologise to the OP for giving incorrect information. I thought the decrease would come from HB and not from the Income Based ESA.
If OP has a mixed ESA award with both contribution based and income based ESA the overall income will be different. If the lodger income cancelled out the income based ESA so only the contribution based ESA remained then the HB would have to be calculated.
Definitely not a decision I would recommend without a full benefit check.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
It's £150a month for rent to cover the rest of the rent
It's private rented and yes landlord is OK with it
I have income based but work relatesd esa -
daniiD said:It's £150a month for rent to cover the rest of the rent
It's private rented and yes landlord is OK with it
I have income based but work relatesd esa
£150/month is £34.62/week.
So I would expect you would lose £14.62/week from your ESA but I think the applicable LHA would increase because the room would no longer be spare so your Housing Benefit would increase.
At this level ESA is likely to remain better than considering UC.
Although you did really do need to do a full benefit check to establish the overall impact on you your overall income.
This may be helpful
https://www.nhas.org.uk/assets/docs/Taking_in_a_lodger_money_matters_FACTSHEET_NHAS_1.pdf
It's a couple of years old but I think is still correct.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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