Private Renting - housing benifit advice

khampson

We have considered a flat but the flats are about £50 cheaper, and she is 26 years old, we can stop at my parents but relationships are hard and are getting worse, we can stick it out a little longer and hopefully a job will come along shortly

Keith

mrcol1000

khampson wrote: »

if my girlfriend went private rented, how many nights could I legally stay over?? I don't want to break the law

Keith

You really think its wise with your girlfriend out of work for her to start renting a flat?
She also will find it very hard to find anywhere that is willing to offer her a place without a ganatour.
Also if you move in together she probably won't be entitled to any benefits due to you working.
I'd stick it out a bit longer at her parents or find a small flat/bedsit you can afford on your own and either move in with her or she stays with you occasionally.
Her claiming benefits and living in a flat even if you only stay over the max number days allowed under housing benefit rules will end badly. There are too many computers cross checking and people willing to report it to get away with benefit fraud anymore.

Jowo_2

mrcol1000 wrote: »

Also if you move in together she probably won't be entitled to any benefits due to you working.
.

I hadn't realised that her JSA would stop if they lived together. Is that definately the case?

Because I was factoring in around £250 per month as income from her benefits into their joint budget.

If her JSA ceases, then renting a house together is pretty much unfeasible on his income alone unless they want to sit in the dark eating beans on toast to make the money stretch further, trim their own hair and walk or cycle everywhere.

khampson

I understand what your saying and that's why I turned to this forum for help and advice, ok were not in the best of places and have no intention of breaking any laws, we are just considering out options but yes we have a roof over our heads! It looks like were stuck until my girlfriend finds work and my name is off the morgage!

Just as a matter of interest, can I be named on 2 motgages at the same time even though I would not be paying one of them??

Thanks for all your advice and comments

Keith

Jowo_2

khampson wrote: »

Just as a matter of interest, can I be named on 2 motgages at the same time even though I would not be paying one of them??

Lenders will only allow someone to be on a mortgage, or multiple mortgages, if they can prove they can afford both under the usual income versus loan ratios, plus the deposit you can offer.

Put your income into an online mortgage calculator to see the maximum you'd be lent by a mortgage lender or see a mortgage broker.

I can't see an 18.5k salary stretching across two properties unless you've got an enormous deposit as you are unlikely to be able to morrow much more than 50k for both. Your private arrangement on the existing mortgage is probably likely to be disregarded as legally, you are committed to it.

http://www.fool.co.uk/mortgages/mortgage-calculator/borrow-calculator.aspx

neverdespairgirl

khampson wrote: »

I am currently paying £200 a month to parents and buying my own food, I also currently have a car that I put about £20 a week fuel in and annual insurance is about £350 and then tax and maintainance, would it make any difference if we say were just friends and not together? We can't get a council property because I am still named on a morgage which will take another year to completly remove my name from.

Keith

You mean, should we advise you to commit a criminal offence, namely obtaining a pecuniary advantage by deception?

khampson

neverdespairgirl wrote: »

You mean, should we advise you to commit a criminal offence, namely obtaining a pecuniary advantage by deception?

Your comments are not construtive or helpful, therefor your comment is not informative, I asked a simple question which has already been answered if you care to read the rest of the posts!

We have no intention of being part of benifit fraud.

We are seeking information because we have zero understanding of the subject!

Keith

mrcol1000

Jowo wrote: »

I hadn't realised that her JSA would stop if they lived together. Is that definately the case?

Because I was factoring in around £250 per month as income from her benefits into their joint budget.

If her JSA ceases, then renting a house together is pretty much unfeasible on his income alone unless they want to sit in the dark eating beans on toast to make the money stretch further, trim their own hair and walk or cycle everywhere.

I think it depends on whether its income based or contrubition based. If your living together then your incomes will be counted as one as regards to benefits etc.. So when she is assessed for JSA instead of them looking at her having no income they will look at the fact you do.
When I left uni I was living with my partner and I tried to apply for JSA was told that as I lived with my partner she would have to attend signing on with me I wouldn't be entitled to any cash.
You may be entitled to tax credits though. But only just and only until your partner got a job.

I would follow this link:

http://www.turn2us.org.uk/benefits_search.aspx

Put all your detials in as if you were living together. You working. Her not and see what benefits it says your entitled to.

Oldernotwiser

khampson wrote: »

We have considered a flat but the flats are about £50 cheaper, and she is 26 years old,

I'm sure there's logic in their somewhere but I'm b uggered if I can see it!

PasturesNew

khampson wrote: »

Your comments are not construtive or helpful, therefor your comment is not informative

But she IS legally trained and qualified .... and if she'd typed that up on a letter you'd probably owe £250 for that advice in the real world.

You are trying, by many means, to defraud the benefits system in all your combinations and permutations.

It's not MY fault you moved your bird into your parents'.
It's not MY fault you think you deserve money.
It's not MY fault you want a free sh4g without picking up the tab.

As a taxpayer it shouldn't be ME paying for you and your lifestyle.