ftb low income?

Gwhiz

Zelie wrote: »

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.

Well, you may have a point there

To the OP...best of luck!!

neas

I always find myself in a dilema with these sort of posts .

This time i ere toward the op and am sad for her situation etc.

Although the logical economic, unkind side eof me sees the loss of money .

While there are people needing benefits (like the op) there are prob a fair few who dont... when the system buckles all will be affected.

If you are going to be a long term carer i.e through 18-30 onwards for your kids i'd not even bother thinking about owning a property.. social housing is nice... and you could keep trying to save more money as prices fall further.

leveller2911

emmalita wrote: »

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

I understand a bit better now. You are being given by the tax payer £25k a year, you don't want to live in social housing because where you live is a sh*t hole, so instead of the tax payer subsidising your home with low "fair rent" (landlords obligation) you now rent a private house where the landlord can charge the TAXPAYER far more.

This thread seems to re-enforce my belief in the benefit system. I had an uncle who had Multiple sclerosis, he had so much money in benefits he was asking family members to keep some of it in thier bank accounts because he would be penalised if his bank account went over a certain amount.Which we refused to do.

I know I will upset some posters on here,but this is yet another case of the "perverse" benefit system where by people with disabilities are receiving in my opinion far more benefits than they should receive...

No one is "entitled" to benefits,they are "given" by society to HELP , there isnt a GOD given right to them...

Lastly NOBODY start accusing me of NOT knowing what its like, I have had Chronic Asthma and Eczema from birth ,so Please no-one start preaching to me how hard life is.... Life is a B1tch and you just have to get on with it.... In my opinion the OP needs to be a bit more thankful and little less ME,ME,ME,ME

jasper12

Trying_to_be_good wrote: »

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

There certainly USED to be lenders who would take tax credits into account as people would chase the Tax credit office up for copy paperwork for the lenders...however, in the current lending atmosphere that may have well changed.

I agree with Trying to be good. Post on the mortgage thread and hopefully one of the brokers will be able to give you some up to date advice.

Good luck.

emmalita

"thankful" is having healthy children I did not ask to have two disabled children although i wouldnt swap them for the world.All I am doing is trying to make the best of what we have and as regards to the s**thole when you are being terrorised in your own home and ur car is being ransacked but are too scared to call the ploice,when there is music booming till 5 in the morning and ur kids are cryin when all u wanna do is go home and relax with ur kids but you have gangs leaning on ur fence smoking weed thats when you get out and rent private.Oh by the way Ipay £115 a week in rent and full council tax

jojo9239

This thread has got silly now!! Who are we to judge each other and others benefits. I think people just look at the majority of people who unfairly claim benefits and tar everyone with same brush.

Good luck with whatever u choose to do have you thought about renting somewhere else??? x

emmalita

I have done now and were much happier it took me a long time to go into private as i always thought it was too insecure but evrythings fine

leveller2911

I stand by what I posted........Just remember for every £ extra that you are receiving and "banking" for you to BUY a house is a £ less in the pot to HELP others..I don't have any problem with you and your children receiving benefits, where I do have a problem is the amount you are receiving,which is more than most people earn in a year.

You are undoubtably a strong parent and that I admire, we all want the best for our children,its human nature.The finances of this country are finite and only go so far.I am sorry we disagree but still wish you well..

Zelie

What? You'd prefer disabled kids to get just enough to get by? You think that disabled kids deserve to live on the breadline? Don't deserve treats? Don't deserve holidays? Don't deserve a secure home? Oh puh-lease!

And while you are up in your ivory tower perhaps you might want to consider that Emmalita has also contributed to the tax-pot before she had to stop working to care for her kids. And she will again once they are old enough to care for themselves. She's not some charity case or trying to rip people off as you seem to want to portray her.

leveller2911

Zelie wrote: »

What? You'd prefer disabled kids to get just enough to get by? You think that disabled kids deserve to live on the breadline? Don't deserve treats? Don't deserve holidays? Don't deserve a secure home? Oh puh-lease!

And while you are up in your ivory tower perhaps you might want to consider that Emmalita has also contributed to the tax-pot before she had to stop working to care for her kids. And she will again once they are old enough to care for themselves. She's not some charity case or trying to rip people off as you seem to want to portray her.

I'm guessing thats aimed at me?? if so it might be helpful if you quoted my postings.If its not aimed at me then I apologise...

Please quote? where I have said "disabled kids deserve to live on the breadline" , "dont deserve holidays" and don't deserve a secure home",

Please justify to me why people with disabilities or have children with disabilities are "entitled" to be GIVEN enough in benefits to be in a position to BUY a house with the benefits?,im sorry but there is something fundermentally wrong with that, when a large number of pensioners are struggling to make ends meet on the state pension of around £90 a week having worked for 50 years or so and have seen there income from savings down to almost nothing.....I wait eagerly for your reply Zelie.. PS I don't live in an ivory tower, social housing in fact ..