Coming off UC to buy a house

Bumblebee596

Hi, so l've been in receipt of UC for about 4 years now as I am a single mum to a little girl. I am now back at work full time and earning a full time wage, I still receive some UC but not as much as I used to. I have met a lovely man and he has asked me if l'd like to buy a house with him- he also works full time. Me and my daughter currently live in a council flat and l've always dreamed of being able to give her a garden and a nice house. I would love to buy a house with him.

He doesn't live with us and he doesn't help me to pay my bills, rates and rent. I pay all my bills alone, so my question is how do I go into getting a mortgage with him whilst in receipt of UC. I have no issue with closing my claim when we have a house as I don't wish to receive anymore benefits due to me and him both working full time, I just don't know how I explain to UC, I'm buying a house with my boyfriend and I don't want to receivehelp anymore.

Is it really that simple? Do you tell UC once the house is bought or do you keep them updated throughout the process?

I'm just a bit stuck on how to go about things. I only have 2.5k in savings so his money will be mostly used for a deposit. I just would like some advice if I am allowed to go into a mortgage and close my claim?

Thank you.

OverlyAnxious

Hi,

You can choose to close your claim whenever you like. There is a specific heading for this in the journal.

If you're getting housing costs then legally you should tell UC on the day that your mortgage goes through. (When you actually own the home).

If you're not getting housing costs then you don't need to tell them until the day you move into the new property with your partner.