Mortgage interset when unemployed

suffolkb

I signed on this morning,having been unemployed for 5 1/2 months.(on benefits since Jan).I know that I get no help with mortgage interest for 9 months.There is a temp job for 4-6 weeks in the local paper.If I took such a job and then was unemployed again,would the 9 months start again?The job centre had no idea.

Broken_hearted

I think it would its anything not to pay out sorry.

blondie7

It absolutely stinks that you have to wait 9months for the interest to be paid on your mortgage but if you were in a council house paying rent this gets paid straight away (and probably more expensive that the interest on your mortgage) Why is it when you try and better your self and buy your home you are penalised by benefits it stinks and really gets my back up

Voyager2002

blondie7 wrote:

It absolutely stinks that you have to wait 9months for the interest to be paid on your mortgage but if you were in a council house paying rent this gets paid straight away (and probably more expensive that the interest on your mortgage) Why is it when you try and better your self and buy your home you are penalised by benefits it stinks and really gets my back up

The rationale for this policy is that if you buy a home you should be responsible and take out insurance against unemployment. The politicians conveniently forgot that such insurance policies are very bad value for money and that there is a wide range of situations in which you may be genuinely unemployed yet the insurer fails to pay out.

Private tenants can also receive Housing Benefit to pay their rent from early on in a period of unemployment: the mention of council housing is irrelevant here.

lil_me

Usually your 9 months qualifying period would have to restart unfortunately

flossy_splodge

Is there any leeway on this? I have a friend who is getting temporary work about 1 week in 4 and has been told that her period for getting help with mortgage goes back to the beginning each time. Does that mean that this government in fact sanctions anyone becoming unemployed, but having a mortgage, to not try to gain employment as they will be worse off? How can that be? Why do we as the public accept this situation? :mad:

lil_me

I don't think there is any leeway at all. Same with qualifying period for Job Seekers etc

flossy_splodge

Actually I didn't think it WAS how it works with job seekers allowance unless it's changed in the last couple of years? Used to be that you made your declaration if you had worked and if the following week you didn't work you just signed to that effect and got benefits.:T

Voyager2002

flossy_splodge wrote:

Actually I didn't think it WAS how it works with job seekers allowance unless it's changed in the last couple of years? Used to be that you made your declaration if you had worked and if the following week you didn't work you just signed to that effect and got benefits.:T

Yes, you are correct so far as basic living allowance is concerned. But the payment of mortgage interest is something different, as discussed above.

tanith

can anyone tell how it works in my case.. I have just put in a claim for Incapacity Benefit because my sick pay has now run out.. I am waiting for an Ill Health Retirement to be approved so although I am technically still employed I am not getting any pay from the end of the month... so will my nine months qualifying period begin then or when I am offically unemployed?