Incapacity Benefit - Getting element of Income Support

jenny81

I won't be eligible, nor would I really want to live in that type of community with being fairly young. Thanks anyway

dmg24

Please share which lender is willing to give you a mortgage - it will help other people in your position! I assume the property will be in your name only?

jenny81

Yes it will be in my name. I'm in a bit of a unique situation with being able to get a mortgage. As has been mentioned by others on here, I doubt there's any lenders out there that would offer to someone on benefits of £120 pw.

I have contacted Citizens Advice today and there looking into it, woman didn't seem to be a fountain of knowledge. She did a calculator and said if it wasn't for the age addition of £15 I would be entitled to £2 odd in Income Support. Does anyone know if I can get them to take this off or anyway of getting round it.

Also if I was on ESA I would get it, think it has to be income based she said. If I was on ESA would I be on the income one and is it possible to change to that from IB?

healy

jenny81 wrote: »

Yes it will be in my name. I'm in a bit of a unique situation with being able to get a mortgage. As has been mentioned by others on here, I doubt there's any lenders out there that would offer to someone on benefits of £120 pw.

I have contacted Citizens Advice today and there looking into it, woman didn't seem to be a fountain of knowledge. She did a calculator and said if it wasn't for the age addition of £15 I would be entitled to £2 odd in Income Support. Does anyone know if I can get them to take this off or anyway of getting round it.

Also if I was on ESA I would get it, think it has to be income based she said. If I was on ESA would I be on the income one and is it possible to change to that from IB?

You cannot choose to give up your age addition in order to claim IS.

You cannot choose to change to ESA.

NASA_2

jenny81 wrote: »

I have contacted Citizens Advice today and there looking into it, woman didn't seem to be a fountain of knowledge. She did a calculator and said if it wasn't for the age addition of £15 I would be entitled to £2 odd in Income Support. Does anyone know if I can get them to take this off or anyway of getting round it.

Also if I was on ESA I would get it, think it has to be income based she said. If I was on ESA would I be on the income one and is it possible to change to that from IB?

To give up the ADI would, I think, be seen as Deprivation of Income if it is for the purposes of becoming entitled to IS or a higher level of IS though I could be wrong on that. Not something we come across too often in the places I have worked.

cit_k

welshmoneylover wrote: »

Sorry to have to tell you this, but I don't think the banks will give you a mortgage while living on benefits. There is a financial crisis going on and they're very picky who they lend money to.

In addition, do you think it is fair to expect the taxpayer to fund a house purchase that you will financially gain from in the future?

If you think it through, its would be better for the taxpayer if they did.

Because (assume long term claimaint) if they did, then once the claimaint owns the home they no longer need to claim housing benefit, saving the state a fortune.

At present money would be going to a private landlord more than likely who is getting their mortage paid of by the state, and they will be the one benefiting financially from the asset the state bought for them. Plus, once the landlords mortage is paid off, he will still continue to charge the claimaint (and hence the state) full rent.

jenny81

cit_k wrote: »

If you think it through, its would be better for the taxpayer if they did.

Because (assume long term claimaint) if they did, then once the claimaint owns the home they no longer need to claim housing benefit, saving the state a fortune.

At present money would be going to a private landlord more than likely who is getting their mortage paid of by the state, and they will be the one benefiting financially from the asset the state bought for them. Plus, once the landlords mortage is paid off, he will still continue to charge the claimaint (and hence the state) full rent.

I don't want to sound like I'm doing this to try and get a free house out of it. It's to try and keep some stability to aid in recovery and ultimately come out the benefit system. Thought this would be the best way, the other option is a family member buys the house and I rent from them. However I think that appears far more suspect and questionable.

cit_k, I think your right though. Hypothetically if I wasn't able to return to work at all in the future. The house would be paid by say 25 years and that would be the end of help with housing. As apposed to 50 years+ receiving HB

Just need to find a way of receiving some form of IS.

tcr_3

NASA wrote: »

To give up the ADI would, I think, be seen as Deprivation of Income if it is for the purposes of becoming entitled to IS or a higher level of IS though I could be wrong on that. Not something we come across too often in the places I have worked.

I think you're right. Income Support would still take the IB ADI into account even though the OP had given it up, although tbh I don't even know if they can give it up.

OP, I see you spoke to the CAB and didn't get very far. Normally find they're quite good with things like that, if they don't know themselves they've got their own little networks of advisers they can bounce ideas about with. So hope they get back to you with their findings soon.

The welfare rights officer at your local council might be quite good too, they tend to be really sharp with nitty bitty stuff like this.

As an aside, I don't think you'll get far with your local benefits delivery centre. They're under instructions not to guarantee to pay towards future mortgages, they'll only make their decision as and when your circumstances change.

jenny81

Thanks, I will contact the welfare officer at the council today and see what they say.

qwertyuiop12345

jenny81 wrote: »

The deposit etc will be financed by family, so there won't be a problem with getting a mortgage etc.

With regards to gaining financially from the taxpayer. I'd like to point out that a) Before benefits I was a higher rate tax payer b) I and family have funded and continue to fund on a private basis operations/treatment to try and aid recovery,which has cost in excess of £75k.

I have tried to be as little burdon on the State as possible and would like to try and gain as much independance as possible. Hopefully go back to work at somepoint in the future, but first I need to deal with my rehabilitation and can't continue to rely on family. Hence why I'm asking these questions, I don't feel I'm sponging in anyway.

Hi, It sounds like you are in a similar situation to me. I own my flat (with mortgage and family assistance) and receive IB and the higher rates of both DLA components. I'm pretty sure I'm not elligible for anything else (eg. free prescriptions or mortgage interest payments).

I think it would be possible for you to get a mortgage if you have a large deposit and a guarantor. However, getting a mortgage and receiving any means tested benefits would seem to me to be contradictory as for the first you would need to persuade the banks that you are financially stable and for the second that you are not, if you see what I mean.