What's a good way to get mortgage advice? — Scope | Disability forum
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What's a good way to get mortgage advice?

ESABenefitsUK123
ESABenefitsUK123 Member Posts: 41 Connected
When I mean "What's a good way to get mortgage advice", I mean for someone who is not working due to health problems, and also, would like to see if there's any way that I could get some kind of mortgage using my benefits payments.  Thanks a lot for any comments.

Comments

  • Adrian_Scope
    Adrian_Scope Posts: 8,178

    Scope community team

    Hi @ESABenefitsUK123.
    We have some information about getting a mortgage using benefits on our website, but there's also some on Money Advice Service.
    I hope they help!
    Community Manager
    Scope

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  • April2018mom
    April2018mom Posts: 2,869 Member
    You might also want to talk to your bank. 
  • Noir123
    Noir123 Member Posts: 2 Listener
    My best friend suggested I invest in buying a property with her to live but I know I couldn't be named on a mortgage. If I decided to do that and was named on the deed house to share would I still be able to keep my benefits. We have know each other from childhood and i trust her, though I would like to know my legal rights as a disabled person, I don't know how this would work. I have little savings under 3 thousand. I have pip also.

    Kind regards
    Julie
      
  • poppy123456
    poppy123456 Member Posts: 24,731 Disability Gamechanger
    Noir123 said:
    My best friend suggested I invest in buying a property with her to live but I know I couldn't be named on a mortgage. If I decided to do that and was named on the deed house to share would I still be able to keep my benefits. We have know each other from childhood and i trust her, though I would like to know my legal rights as a disabled person, I don't know how this would work. I have little savings under 3 thousand. I have pip also.

    Kind regards
    Julie
      
    Why do you think you can't be named on a mortgage? Property you live in is disregarded for all means tested benefits. How are you planning on finding the money to invest in a property with your friend? Obtaining a mortgage while claiming benefits is very difficult.
  • Noir123
    Noir123 Member Posts: 2 Listener
    So I can be named on the deed? I have severe anxiety I over analyse everything.  I have savings under 3 thousand I was going to gift it to my friend  

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