Disabled people
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Mortgages

ladyfibroladyfibro Member Posts: 5 Listener
edited November 2019 in Disabled people
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 

Replies

  • poppy123456poppy123456 Community champion Posts: 22,118 Disability Gamechanger
    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.


    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • TopkittenTopkitten Member Posts: 1,263 Pioneering
    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
    "I'm on the wrong side of heaven and the righteous side of hell" - from Wrong side of heaven by Five Finger Death Punch.
  • ladyfibroladyfibro Member Posts: 5 Listener
    thank you all It’s all so complicated and difficult and when you’re not well it just becomes harder to think 
  • atlas46atlas46 Community champion Posts: 827 Pioneering
    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
  • pollyanna1052pollyanna1052 Member Posts: 1,999 Disability Gamechanger
    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
  • ladyfibroladyfibro Member Posts: 5 Listener
    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_ScopeChloe_Scope Scope Posts: 10,680 Disability Gamechanger
    Welcome to the community @ladyfibro! Please do let us know if there's anything else we can do to help. :)
    Community Partner
    Scope

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  • ladyfibroladyfibro Member Posts: 5 Listener
    Thank you 😊 xxxx
  • SeanchaiSeanchai Member Posts: 365 Pioneering
    Good luck ladyfibro 👍
  • ladyfibroladyfibro Member Posts: 5 Listener
    Thank you  😊 
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