Part buy / part rent & housing benefit

John_Stiles

If you part own / part rent a property, can you claim housing benefit?

Aarons_mummy

From what I've read on here for the rent part yes, hopefully someone with more knowledge will be able to give you a clearer answer though.

John_Stiles

Thanks and I'm glad to hear that. Maybe someone will give a bit more detail.

dmg24

Yes, you can claim HB on the rental part of the property, and potentially SMI on the mortgaged side also. Your entitlement will depend on your household income.

fluffymovie

Yes you can! Normally these properties are housing association and so the full rent would be used. We don't pay HB for most service charges.

dmg24

fluffymovie wrote: »

Yes you can! Normally these properties are housing association and so the full rent would be used. We don't pay HB for most service charges.

They will be able to claim the service charges under the SMI scheme.

John_Stiles

It's for my mum. She's retired and apart from her pension, she has no income. But, she would buy the share of the property in cash (no mortgage necessary). She also lives with my sister, who has depression and so she's sort of looking after her. Would she, if she buys a property on the basis of part buy poart rent, be eligible to get the full rent covered?

dmg24

Does her sister work or claim benefits? Does mum get pension credits?

John_Stiles

dmg24 wrote: »

Does her sister work or claim benefits? Does mum get pension credits?

My sister. No my sister doesn't work. She gets some money but I don't know what it is, what it's called. I don't know if my mum gets pension credits. I could find out of course.

dmg24

Yep, find out what they claim and then put the details through the benefits calculator (there should be a link at the top of the page). Come back to us if you need any further clarification.

John_Stiles

dmg24 wrote: »

Yep, find out what they claim and then put the details through the benefits calculator (there should be a link at the top of the page). Come back to us if you need any further clarification.

Yes good idea. But in general, the fact that it's part buy part rent doesn't affect eligibility, is that right? I know someone else said that it's ok but just to be sure.