Interest paid on mortgage but want new partner to move in

TimmyH_3

Hi All,

I am looking for a bit of advice. My ex partner left me 8 months ago with a £900 mortgage and a 6 months year old child to bring up. I am having most of the interest paid on my mortgage, £750 of a £900 monthly payment. I also receive all the other benefits someone in my position would. Anyway, I have met a new partner and would like him to move in with me. He cant afford to take on a £900 p/m mortgage. He would be able to pay £500ish pounds a month towards the mortage but no where near the full amount.

What will happen to my benefits? Will any of my mortgage still be paid, considering its not his child (although he is going to contribute where he can). I am a little confused by the whole benefits thing. My new partner earns £1400 p/m if that helps with any advice!

Your help is very much appreciated!! :-)

Cheers

A worried single mother!

dmg24

You would have to make a joint claim. You would no longer be entitled to help with mortgage interest.

TimmyH_3

So I lose that benefot all together? But all the other government benefits get recalculated on his income?

At the moment he stays round mine for most days of the week, is this allowed. He has his own property so pays out for that, so cant provide for me until that property is sold. Is he allowed to stay at mine as a guest and not be done for benefit fraud?

I hope that makes sense! Its a little late at night now!!

Many thanks

dmg24

Yes, all means tested benefits will be assessed on his income.

If he is there most of the time, it is quite possible that you are already classed as living together as a couple. You need to contact the JCP tomorrow and advise them of your living arrangements, they will make the decision as to whether you can continue with a single claim.

nannytone_2

doesnt the childs father pay maintenance? if he doesnt get the CSA onto him!

karenx

Even though its not his child that isnt grounds for the government to still continue to pay your mortgage interest.
Are you on income support? This will also stop. And you will have to make a joint claim for tax credits where his income will be taken into account

DaisyFlower

You may qualify for help with childcare costs from tax credits if you return to work, the baby is over one so its very feasilble to do so.

However, if he is staying most nights then the DWP may take the decision that you should not be claiming as a single person as clearly are not.

shellsuit

If your ex walked out 8 months ago, you can't have been in the new relationship for long, so is there any urgent need why you want him to move in so quickly?

If he moves in, you will lose most, if not all of the benefits you are claiming now.

Does the babies Father pay maintenance?

bunny999

If he is staying most nights this probably be considered living together by the DWP. You could get done for fraud.

Indie_Kid

bunny999 wrote: »

If he is staying most nights this probably be considered living together by the DWP. You could get done for fraud.

The amount of night is irrelevant. They look at things such as bills being in both names.

Amistoso_2

sh1305 wrote: »

The amount of night is irrelevant. They look at things such as bills being in both names.

It's not irrelevant! they may look at bills etc, or if she's under suspicion they may observe the comings and goings in her property.
If you were being sly about it you could purposely not put any bills in your partners name to make it look like you live alone.