Can you apply for a Mortgage on Benefits?

gaŕy8172
gaŕy8172 Community member Posts: 2 Listener
edited June 2017 in Benefits and income
Hi I was wondering if you are perminentlly disabled can you  apply  for a mortgage on benefits

Comments

  • gaŕy8172
    gaŕy8172 Community member Posts: 2 Listener
    Is there any one their

  • MikeBroderick
    MikeBroderick Community member Posts: 234 Empowering
    edited June 2017
    Hi Gary

    Welcome to the Community!

    You'll find some great information and discussions here in the Community.

    Please see our Benefits Overview which has information about a variety of benefits including housing benefit.

    You'll also find some mortgage information in our section on Money.

    And we have a variety discussions in our Ask a Benefits Advisor section.

    Which benefits are you currently receiving?


  • Sam_Alumni
    Sam_Alumni Scope alumni Posts: 7,605 Championing
    Hi Gary,

    There is lots of information about getting a mortgage if you are ill or disabled on the Money Advice Service website.

    They say:
    If your income is either partly or mainly made up of benefits, this shouldn’t stop you from getting a mortgage but it can make it trickier.

    Some lenders are more likely than others to accept disability benefits as income when doing their affordability checks.

    A specialist mortgage adviser can help you find a lender that is more willing to lend to someone in your situation. 


  • BenefitsTrainingCo
    BenefitsTrainingCo Community member Posts: 2,621 Trailblazing
    Hi Gary,

    I agree with the information that has been posted above from our SCOPE colleagues.
    In terms of whether you can get any assistance with a mortgage through the benefit system, then this is more complicated and depends upon the circumstances and income of your household.
    I have been looking for various links for you to help with your enquiry and have found that the one Sam has posted above is the best.
    http://https//www.moneyadviceservice.org.uk/en/articles/getting-a-mortgage-if-youre-ill-or-disabled
    This link takes you directly to the page where Sam has taken her quote but there is also some more information about the benefit system and mortgage interest assistance.
    Shelter also have some useful information
    http://http//england.shelter.org.uk/housing_advice/repossession/support_for_mortgage_interest_payments_smi as do Citizens Advice http://citizensadvice.org.uk/

    Hope this information is helpful.

    Laura
  • AlexW_Scope
    AlexW_Scope Scope Posts: 222 Empowering
    We have created an FAQ page about mortgages that you might find useful. Hope this helps! Alex