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Right to buy and universal credit
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anonhelp
Community member Posts: 9 Listener
Good evening
I am looking to buy my council flat. I am currently in receipt of UC- housing element, standard allowance and for x2 children.
I also work approx 25 hours per week.
I am looking to buy my council flat. I am currently in receipt of UC- housing element, standard allowance and for x2 children.
I also work approx 25 hours per week.
It is my understanding I would no longer get help with the housing element once I have my small mortgage on my property (of course).
However, does anyone know if I would still be entitled to the standard allowance (SA) and allowance for the children (CA) given my income is considered low. I am due some inheritance which would cover half of the flat price and the rest would be a small mortgage.
I would have no savings once the property is purchased (for inheritance will hit my account and then go straight out to the council) and I would continue to earn approx £1200 from my job per month, plus my children’s maintenance, plus my child benefit.
I have calculated without the housing element but including the SA and CA and minus the monthly work allowance (£335) I could still receive approx £443 UC if they don’t stop me claiming altogether?
The only advice I can see online is help with mortgage and/or interest payments- I do not need either of these. The only other info I can see is help if not working, but I will remain working. Would I lose all entitlement to UC because I won property?
Any help would be appreciated.
Many Thanks
Many Thanks
Comments
-
All elements of your UC award would remain except for the housing element (assuming your circumstances were unchanged apart from buying rather than renting).
However when you receive your inheritance I assume you will not be able to buy a house instantly so it will count as capital. If this takes you over £16,000 you will no longer be entitled to UC. You will be able to make a new UC claim when the capital drops back below £16,000. Once you have bought a house the value of that house will be ignored if you are living in it.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
anonhelp said:I have calculated without the housing element but including the SA and CA and minus the monthly work allowance (£335) I could still receive approx £443 UC if they don’t stop me claiming altogether?When you don't claim for help with any rent your work allowance is increased to £557 per month. https://www.gov.uk/government/publications/universal-credit-work-allowances/universal-credit-work-allowances
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
Thanks poppy - missed that bit.
So OP, your UC would be standard allowance plus child element = Maximum Amount.
The earnings deduction would be (£1200 - £557) x 55% = £353.65.
Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
You guys are amazing! Thanks so much. My capital would be just below the £16,000 so my claim won’t stop but will be reduced significantly for a couple of months I am guessing.I just cannot find any legislation which states I would not lose my UC so I was worried about going through the RTB process and I can’t top up my salary anymore at the moment as I am also caring for my mother and son unpaid, so juggling many plates. This is reassuring. Thank you for your help.
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