Can you apply for a Mortgage on Benefits?

gaŕy8172

Hi I was wondering if you are perminentlly disabled can you  apply  for a mortgage on benefits

gaŕy8172

Is there any one their

MikeBroderick

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

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

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

We have created an FAQ page about mortgages that you might find useful. Hope this helps! Alex