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  • FIRST POST
    • csutcliffe74
    • By csutcliffe74 10th Mar 17, 3:16 PM
    • 3Posts
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    csutcliffe74
    Tex credits claim with joint mortgage
    • #1
    • 10th Mar 17, 3:16 PM
    Tex credits claim with joint mortgage 10th Mar 17 at 3:16 PM
    Hi,


    My partner & I are unfortunately separating and I will be moving out of our home on the 1/04/2017. I will be renting a house whilst my partner and daughter will remain in our current house which is in both of our names. I have agreed to pay the mortgage for as long as my daughter remains at home & I will also be paying about £150.00 in maintenance and paying for some other bills.


    My partner will be earning about £6,600 per year working 22 hours a week and we believe she will be eligible to claim tax credits however when I spoke to the DWP they were a bit non-committal about her eligibility. They did say that maintenance payments won't effect the claim and so long as it could be proven that I don't live in the home then she should be able to make a claim. Does anybody have any advice on how best to tackle the situation? My first choice would be to stay together but that's not possible. I would also like to be able support them financially so they did not have to make a claim but I simply don't earn enough to do that so really appreciate any advice anybody can offer.


    Thanks & Regards!!
Page 1
    • NYM
    • By NYM 10th Mar 17, 3:21 PM
    • 3,046 Posts
    • 5,137 Thanks
    NYM
    • #2
    • 10th Mar 17, 3:21 PM
    • #2
    • 10th Mar 17, 3:21 PM
    That's not even minimum wage
    • Darksparkle
    • By Darksparkle 10th Mar 17, 3:23 PM
    • 3,959 Posts
    • 2,498 Thanks
    Darksparkle
    • #3
    • 10th Mar 17, 3:23 PM
    • #3
    • 10th Mar 17, 3:23 PM
    HMRC deal with tax credits so she is best speaking to them. What specifically does she want to know?

    They are correct maintenance isn't counted as income.

    Her income appears to be very low for her working hours. Is she self employed? Or under 20?
    • csutcliffe74
    • By csutcliffe74 10th Mar 17, 4:20 PM
    • 3 Posts
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    csutcliffe74
    • #4
    • 10th Mar 17, 4:20 PM
    • #4
    • 10th Mar 17, 4:20 PM
    Sorry, made a mistake it's about £8,300 per year. Collectively we earn well over the threshold where you would normally get tax credits and my concern is that having both names on the Mortgage will mean we are seen to be cohabiting even though I will be changing my residence on the electoral role etc.
    • Darksparkle
    • By Darksparkle 10th Mar 17, 5:35 PM
    • 3,959 Posts
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    Darksparkle
    • #5
    • 10th Mar 17, 5:35 PM
    • #5
    • 10th Mar 17, 5:35 PM
    The mortgage is only one part of the overall picture.

    If she can show all other bills are in her name and being paid by her, maintenance is being paid at the appropriate level, you have a different address etc and none of your mail is being sent there then she can claim as a single person
    • csutcliffe74
    • By csutcliffe74 10th Mar 17, 9:25 PM
    • 3 Posts
    • 0 Thanks
    csutcliffe74
    • #6
    • 10th Mar 17, 9:25 PM
    • #6
    • 10th Mar 17, 9:25 PM
    Thanks - I guess we'll only know when we submit the claim but thanks for the advice!
    • Darksparkle
    • By Darksparkle 11th Mar 17, 6:46 AM
    • 3,959 Posts
    • 2,498 Thanks
    Darksparkle
    • #7
    • 11th Mar 17, 6:46 AM
    • #7
    • 11th Mar 17, 6:46 AM
    It should only be her submitting the claim.
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