Remaining politically neutral during General Election 2024

Under guidance from the Electoral Commission and Charity Commission, it's important that Scope remains politically neutral during General Elections.

While we understand that this period will see many passionate discussions and do not want to discourage open discussion, we cannot allow discussions which are purely intended to influence voting.

As ever, please make sure that your comments remain respectful of other people's opinions and keep to our online community house rules.

Will paying off my mortgage affect my benefits?

SeashellJane Community member Posts: 1 Listener
Will paying off my mortgage affect my benefits? I'm currently on Universal Credit and Pip. I have a Recoop (sorry for the spelling) mortgage and want to know if it will affect my benefits if i pay it off.


  • poppy123456
    poppy123456 Community member Posts: 56,015 Disability Gamechanger
    edited April 8
    Paying off debt is allowed when claiming UC. Out of interest what is a recoop? 

    If you currently have capital/savings of more than £16,000 you must still report the changes and then tell them that you have paid off your mortgage. Your UC will continue if you have less than £16,000 after it’s paid off but there will be a deduction of £4.35/month for every £250 or part thereof over £6,000.

    If you’re claiming council tax reduction all local authorities have their own rules and some have savings limits of £6,000 before entitlement end. You must report the changes to them. 
    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.
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