ftb low income?

Zelie

Perhaps the ranters could read again what was posted. The OP's child is disabled and she is given a carer's allowance to stay home and look after him. Her salary of £5k a year is negligble and amounts to a few hours work a week. In other words, she is obliged to stay out of work in order to look after her disabled son.

Or perhaps you would all prefer that she work full-time and have her child looked after by specialist carers each day? Good luck with that cos it will cost a hell of a lot more than £25k a year and it will also come from national taxation.

OP, I know many mortgage companies took tax credits into account for sub-prime mortgages but whether they do in the current economic climate is another matter. You'd probably have to research your preferred lender and then ask them before you submit an application. Would social housing/renting in a different area be a better option for you at the moment? As others have said, tax credits can change depending on how your circs change so you might want to consider what other options there are.

jojo9239

Zelie wrote: »

Perhaps the ranters could read again what was posted. The OP's child is disabled and she is given a carer's allowance to stay home and look after him. Her salary of £5k a year is negligble and amounts to a few hours work a week. In other words, she is obliged to stay out of work in order to look after her disabled son.

If that is the case I apologise:embarasse

Gwhiz

Zelie wrote: »

Perhaps the ranters could read again what was posted. The OP's child is disabled and she is given a carer's allowance to stay home and look after him. Her salary of £5k a year is negligble and amounts to a few hours work a week. In other words, she is obliged to stay out of work in order to look after her disabled son.
.

Sorry but where does it say disabled? Maybe if people were more clear in their posts people might not jump to conclusions. It says a carers allowance in the second post. How would anyone know what that means unless they are familiar with the subject.

Unfortunately with the state of the economy, and the fact that the benefits system gets screwed all the time, unless people can be clear about how they justify £25K in allowances prepare for replies such as I posted.

In this instance, if what you say is true and the OP really is a deserving case, then I am sorry for my post.

Zelie

As you noted, it says in her second post that she gets carer's allowance and the highest rate of Disability Living Allowance. That is not easy to get so her son must be pretty poorly. And if a person is truly ignorant of a subject then why would they post a reply? The OP is asking a question, not educating others. If a reader wishes to become familiar with the subject of disability then there are plenty of places to read up on the matter.

I agree with you that the OP might have mentioned that in her first post but then again why should she? She is asking a question about mortgages, not benefits and cannot be expected to foresee every comment made by subsequent posters. If she could, then she wouldn't need to post at all!

It is not for the OP to justify anything to you. She has justified it to the people giving her financial assistance and that is sufficient. Your thoughts on whether the benefits system is fair or whether some people take unfair advantage of it are relevant but it is not appropriate to raise those issues here. The economy forum might be more appropriate if you wish to discuss those.

jojo9239

Carers allowance is so difficult to get my friend has a disabled brother and has applied many times for it and still hasnt been accepted so yes her son must be very poorly

leveller2911

My point is, why bother trying to buy?, when The OP can live and care for her child,giving him all the time he needs.If they are renting then there isn't such a burden of need to pay a mortgage,which as we know can rise considerably with interest rates etc.If the mortgage goes up then the OP could be forced to take on more paid work or even lose the house,which in turn could reduce the tax credits.Renting you at least have more security.

With social housing at least they know that the rent would be paid.I think most people including myself a big priority is to "own" your home, for many this is not going to happen.

My advice is, live your life and dont consider buying.Lastly the "stigma" of NOT owning your home will go,given the state of the country which has been largely due to people paying way over the odds for houses.

Good Luck Emma

suze_g

jojo9239 wrote: »

Carers allowance is so difficult to get my friend has a disabled brother and has applied many times for it and still hasnt been accepted so yes her son must be very poorly

That wouldn't be carer's allowance. That would be disability living allowance (DLA). Carer's allowance can only be claimed if the person they are caring for gets middle or higher rate DLA.

If your friend has been trying to claim carer's allowance without her brother getting disability living allowance then she/he will never get it.

Maybe your friend could try getting some help from an advice agency to fill it in. Better chance then.

jojo9239

He is getting DLA his brother is 50 and hes 30

emmalita

Hi,a bit more background info:
Two of my children are disabled,one more severe than the other. I choose to go to work part time for a break.I enjoy my job working with disabled adults, and as regards to the poster who thinks the benefit system is screwed then maybe it is but not by people with disabilities (especially children) I have continuously fought the benefit and education systems to get what my children are entitled to and happily my kids are in great schools with extra support,yes thats paid for too by the government:T
Regarding benefits I too think its quite a lot but thats what they say im entitled too so who am i too argue it pays for plenty of day trips and a holiday abroad every year and takes away the financial stress. I also work as well because at some point in the future my kids will be independent and where will that leave me? No working history or experience,minimum wage claiming housing benefit that is not what i want. With the amount of money coming in i dont want to squandor it when it could be put too good use(leaving my kids something)
As for social housing I have been there done that and will not live that life anymore in s**tholes no offence to anyone but where i live thats what it is like so I got out and rented a private house in a much better area. I have looked at shared ownership schemes which are very affordable to me but nothing in my area and I cant relocate again due to kids schools where continuity is everything with disabled kids.
I just wanted to know if anyone knew of any lenders that were more lenient than the others or if anyone had any similar experiences

Trying_to_be_good

Emmalita

You'll probably have more luck posting on the Mortgages board, where lots of brokers hang out.

If you don't want the same response (the 'What?! How much benefit?!' one) you might want to give a bit more info in the first post!

Good luck