Benefits and mortgage payments

Pat11061960

im in ESA, and in about 2months my friend and her daughter and baby will move in with me, I'm worried about my benefits, and also if the DWP will investigate me, for doing this, and I'm worried about my mortgage payments as it's changing yo a loan in April.  Can anyone advise me 

mikehughescq

Start by querying with your mortgage provider whether they allow subletting and in what forms? If they do not then that is potentially the end of the matter. If you risk not asking then you are potentially storing up a big problem for a later date as you could be in breach of your specific mortgage terms.

Then you need to look at whether this impacts on your house insurance and whether they need to be notified. Finally you need to get advice on what to charge and the impact on your benefits depending on how that's organised. 

For anyone on this side to answer they'd need to know whether your on contributory and/or means-tested ESA; what other benefits you're receiving; who else already lives with you and so on. You need professional advice before you do anything on this.

Pat11061960

Thanks I've been CAB and my benefitscwont change much, the mortgage people said that the mortgage is in my name only nothing will effect it.   It was the DWP I was worried about if they look at this and say I'm doing it for money, which I'm not, as they could stop my benefitscto investigate me