Ctc/wtc/help with mortgage

margymuggins

hi i'm at my wits end on what i can get or not if there is someone out there that could help i'd be so grateful
i am getting incapcity benefit of £97.40
dla middle care +high mobility
we have 14yr old son my husband is 55 and never been out of work but
since 1st may my husband as not worked due to mental breakdown and being addmitted to physciatric hospital for 13wks and gets SSP £70.62 he is now home but still being treated on a daily basis at home when i went to CAB i was told i could get help with mortgage payments after 13wks but i dont know where to go i dont get IS and i dont want to make new claim for ESA as advised not to i'm going through pathways to work interveiws at moment not by choice i've tried the benefit calculator but does'nt help much just confuses me more and does'nt mention help wih mortgage i know i'm winging on an on but i just keep hitting a brick wall if there is someone out there that could help me get on track PLEASE PLEASE HELP !

Indie_Kid

You can only get help with mortgage interest if you're on IBJSA, IS, PC or income based ESA.

DX2

So are you actually getting CTC and WTC?

karenx

If neither or you are working you will have to inform tax credits so they can stop your WTC. And you may find yourself with an overpayment too

margymuggins

hi we have never had WTC only CTC i get IB my husband gets SSP from his employer so are we eligible for mortgage help and if so who do we contact about getting it

margymuggins

DX2 wrote: »

So are you actually getting CTC and WTC?

hi just ctc

Indie_Kid

margymuggins wrote: »

hi we have never had WTC only CTC i get IB my husband gets SSP from his employer so are we eligible for mortgage help and if so who do we contact about getting it

No. IB isn't an income based benefit.

dmg24

sh1305 wrote: »

No. IB isn't an income based benefit.

This is not necessarily correct. The OP *could* have an underlying entitlement to IS (depending on how high the mortgage is), and therefore be entitled. However the mix of benefit entitlements means the DWP may well get confused, so it would be worth getting CAB to deal with the claim.

OP, how much is your outstanding mortgage? The DWP will usually only pay towards the original amount, unless any additional borrowing is for essential maintenance of the home.

margymuggins

hi we owe £77,000 originally £67,400 but we had increase for home improvements i;e to have a kitchen

dmg24

OK, the govt says that as a couple you need to live on £130 per week. You currently receive £168. Your eligible interest amount would be £80 per week, which would raise your eligible amount to £210, and therefore after thirteen week you could be paid £50 towards your mortgage interest. However, in October the applicable interest rate is dropping considerably, and the amount towards your interest will fall accordingly.

All figures are very approximate, I've got brain fog at the mo so can't do numbers!

It would also be worth looking at claiming DLA for your husband, and if he is to be off work for a long time, claiming Carers Allowance.

margymuggins

dmg24 wrote: »

OK, the govt says that as a couple you need to live on £130 per week. You currently receive £168. Your eligible interest amount would be £80 per week, which would raise your eligible amount to £210, and therefore after thirteen week you could be paid £50 towards your mortgage interest. However, in October the applicable interest rate is dropping considerably, and the amount towards your interest will fall accordingly.

All figures are very approximate, I've got brain fog at the mo so can't do numbers!

It would also be worth looking at claiming DLA for your husband, and if he is to be off work for a long time, claiming Carers Allowance.

hi you say claim carers allowance for hubby but i get IB and my freind gets carers allowance for me so how would i be eligible? sorry taken so long to reply