Advice please on splitting with partner

Altuser

Hi,

Can anyone please advise me on what help i would be able to get if i were to split up with my partner.

We have two children who would live with me. We currently live together in a house (mortgage).

I will be applying for a council house. Does anyone know how long these things take or how it works? I am aware some parts of the country have 'biddings'? Some places go on priority etc.

I currently have a part time job which i am certain i will have to give up as i work nights and obviously childcare would now be an issue. I would be looking for a daytime job but would need to know what kind of help i would be entitled to.

Please dont be too harsh on me, i am really upset at the situation i am in and need to leave for my childrens sake.

jen90

council houses go of priority, if you explain when you apply that you live in a house with a mortgage they should bump you up the list,as you could potentially end up homeless. if you quit your job due to having no childcare and are unable to find a job, you will be entitled to income support and child tax credits, they will also pay your rent and council tax. hope everything works out

pinkypoopydoo

How old are your children?

It may be better for you to stay in the house - if your children are under five you would be entitled to claim income support, and would probably then be entitled to help with your mortgage payments. Council housing is difficult to come by, even when you have children, as I found out when I was in your situation a few years back.

Altuser

My children are 6 and 2.

Staying in the house is not an option. Although the mortgage is 50/50 in both our names he would stay in the house. I do not intend to make a claim on the house.

Caz3121

Altuser wrote: »

Although the mortgage is 50/50 in both our names he would stay in the house. I do not intend to make a claim on the house.

How much equity is in the property? Is it going to be sold?
As in theory half the equity is yours, this could affect you receiving means tested benefits

pinkypoopydoo

Without wishing to pry, is there a reason why you are not intending on making any kind of claim on the house? Have you taken legal advice? As the parent with care, I believe you are entitled to stay in the house, or to make a claim against the value as the mortgage is in both names.

My ex told me that he wouldn;t let me stay in the house and I was entitled to nothing, but a friendly (and free) chat with a solicitor sorted out that misconception, and sorted out the roof over the heads of the children.

If you have a 2 year old, you will be able to claim income support and will get help with council tax and housing costs.

Have a look at this site

http://www.turn2us.entitledto.co.uk/entitlementcalculator.aspx?ref=

and plug in your details - it will tell you what you can claim.

Altuser

I would presume he would stay in the house.

Altuser

pinkypoopydoo wrote: »

Without wishing to pry, is there a reason why you are not intending on making any kind of claim on the house? Have you taken legal advice? As the parent with care, I believe you are entitled to stay in the house, or to make a claim against the value as the mortgage is in both names.

The majority of the payments for mortgage, deposit and bills etc has come from him and also his family in a way. I know i have not contributed much financially so do not feel morally it would be thr right thing to do to take half of the house/make him leave etc.

mikey_bach

I can understand why you feel you may feel that you are not entitled to half of the property but I.S would not look at this way. When you make the claim they ask on the form have you an interest in another property, you would have to answer yes, you have a joint mortgage on the house
You would then complete a form about the house A64A, this form goes into detail eg value, who lives there, mortgage etc. You may then be given a disregard of twenty six weeks on the property but after that your interest may be treated as capital and you would have to be seen taking steps to sell it..
If of course depends on what equity you have in the house.
If your share after a sale and paying off the mortgage amounts to more then 16k you would have no entitlement after the disregard is up.
HB would also need to know about the house as they have similar rules....

[Deleted User]

Altuser wrote: »

The majority of the payments for mortgage, deposit and bills etc has come from him and also his family in a way. I know i have not contributed much financially so do not feel morally it would be thr right thing to do to take half of the house/make him leave etc.

It's nice that you want to do what you feel is 'good and proper', but you've probably contributed much in a non-financial way (looking after the house, the children, cooking, ironing (?) :mad:).

you need to think about yourself and your children too (without being too nasty of course)! :A

nikkit72

When i separated from my ex violent partner over 11 years ago with 3 children, (4,5,6) i went to the council and told them my situation, they told me they would not house me or help me as i was making myself homeless, i had to go private rented accommodation, and to this day i am still in private rented accomodation, paying extorniate rent,
But dont forget as you will be on income support, ( if u leave your job ) you will get help with the rent payments, you will be entitled to a 2 bed allowance.
So please think very hard about the council houseing avenue, you are better off staying in the house with a mortgage and your partner will contribute towards the mortgage and maintenance for his children,
So your partner should either buy u out of your 50% of the house, or sell the house and split any equity 50/50.
its not as easy as ABC , i leave partner, i go to the council, they will house me..... its a lot harder than that, and if they do house you, you will prob be in temporary accommodation for a while, ( a friend of mine was told she would be in temp accommodation for 6 months, 8 years down the line she is still there) i.e bed and breakfast or 1/2 bed flat. so don't let your partner have the easy way out by staying in the property which is your children s home.

But please dont stay with your partner for the sake of the kids as it is not fair on the kids