Mortgages

ladyfibro

Hi all ! I would like to know if any of you after a marriage breakdown have managed to carry on making mortgage payment, did you receive any help are there any benefits? I am in receipt of esa in support group and pip . Just  feel need to get ready for the eventuality . Thank you 

poppy123456

Hi,

The only help available for those with a mortgage is something called Support for Mortgage Interest (SMI). Which means it only pays for the interest on the mortgage. It's paid as a loan and will need to be repaid back if you ever sell your home. You also need to be claiming Income Related ESA for at least 39 weeks before you can claim it.

See link for details. https://www.gov.uk/support-for-mortgage-interest

Topkitten

As I understand things the government is trying very hard not to give people with mortgages any assistance on the basis that they own property and could sell it. Thus people could live off the money instead of benefits.  Despite bringing in rules for CSA that conflict and families complicate matters, that ofc isn't their problem. Don't forget that Westminster isn't actually part of the UK, it exists in Cloud Cuckoo Land!

TK

ladyfibro

thank you all It’s all so complicated and difficult and when you’re not well it just becomes harder to think 

atlas46

Hi @ladyfibro

The best thing you can do, is contact your mortgage lender.

They all have options to assist mortgage holders, so their homes are not at risk.

By way of example, they could offer you a different type of mortgage.

They are keen that borrowers get in touch, before problems are encountered.

Best wishes

pollyanna1052

It could be counter productive to sell a house which has been adapted for a disabled person.
Finding another property to live in, either rented or bought, could be really difficult.

If this is so for you ladyfibro, speak to social services.

best wises xx

ladyfibro

Thank you so much for your values responses really good points . Yes I think the best thing when the time comes will be to talk to the lender , hopefully we will be able to work something out which I can afford . Thank you so much again ?

Chloe_Scope

Welcome to the community @ladyfibro! Please do let us know if there's anything else we can do to help.

ladyfibro

Thank you ? xxxx

Seanchai

Good luck ladyfibro ?

ladyfibro

Thank you  ?