Buying a House but need to go on UC
Hello community,
So the following problem: I am disabled and currently off work, OH doesn't want me back until I am better but I struggle to get help for my issues with the NHS. Therefore I can't see myself going back to work anytime soon, possibly never.
Now we are in midst of buying a shared ownership property, our expenses are going to be the same as private so it is a no brainer. We are moving so we have a more accessible place, are closer to our MIL so I can get help and someone to make sure I am okay and an outside space as I can't walk much
I will loose my pay in November and will be only on SSP and PIP (higher|lower) for 3 months. Spouse is an apprentice and makes below national minimum wage until at least February.
I wonder how UC deals with this situation? The deposit takes us over the limit but it's technically not really ours anymore, the sale is close to finish (Nov/Dec). We will be left with less than £6k. Is there anyway this money could be disregarded? (I know I am being very hopeful here!). Or any other help and support I am not aware of we could get? Am I right to assume buying the place won't count as deprivation of capital, as that's obviously not the intention.
Comments
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There is potential for the deposit to be disregarded, yes.
See point 12.
The home you live in is not counted as capital for UC purposes. Buying a home to live in is not counted as DoC.
You should also look at Council Tax Reduction.
And some other help PIP qualifies you for:
3 -
The one thing I'd add is if you've taken out a mortgage on the proportion you've bought, and you are thinking of claiming for housing benefit (or whatever it's called when you claim UC), I don't think you can use housing benefit to pay the mortgage… you can only use it to pay the rent
1
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