Single Person claiming SSP- When Can I Get Mortgage Help ?

Kimberley

How long do they pay the Mortgage for? Like if say someone is on JSA for years and years do they get their home paid for? X

NYM

Kimberley wrote: »

How long do they pay the Mortgage for? Like if say someone is on JSA for years and years do they get their home paid for? X

I think it's only paid for two years if on JSA...here's a link that explains it further.:)

https://www.gov.uk/support-for-mortgage-interest/what-youll-get

knickebein

Kimberley wrote: »

How long do they pay the Mortgage for? Like if say someone is on JSA for years and years do they get their home paid for? X

Yes, it is up to 2 years with JSA, only the interest is paid, not the capital repayment.

You need to find that out of your own money if you want to pay any of the residue.

In my case I have just over 7 years left on my mortgage out of 25 years, I need help till I get back to work after three operations !

Its just frustrating that having worked, and contributed heavily over the years into our tax and national insurance, that it is so difficult for a genuine claimant to get help to get back on their feet after illness.
....M

sammyjammy

Op would need to make a claim to ESA not Income Support.

pmlindyloo

sammyjammy wrote: »

Op would need to make a claim to ESA not Income Support.

The OP is currently on SSP. You cannot claim SSP and ESA at the same time.

IS is the correct benefit to claim.

knickebein

Now I *am* confused !

I will contact them on Monday and post the results here.

Maybe it will help others in the future- M.

pmlindyloo

knickebein wrote: »

Now I *am* confused !

I will contact them on Monday and post the results here.

Maybe it will help others in the future- M.

Another link to show that being on Statutory Sick Pay means that you are eligible to apply for Income Support.

http://www.turn2us.org.uk/information__resources/benefits/carers/income_support.aspx

Horseunderwater

To OP.
Claim IS on Monday & you will get what is called an underlying right to this benefit. No money as IS/week is less than SSP, but it will give you the right at 13 weeks to get help for mortgage interest on the originally borrowed capital amount @ 3.63% which will not cover any capital amount unless your rate is less than that stated above. Ask them to send you out the form to do this at same time.

MissMoneypenny

knickebein wrote: »

Yes, it is up to 2 years with JSA, only the interest is paid, not the capital repayment.

Universal Credit reads like ESA claimants will have that limitation too.

Plus plans to add the SMI and interest, as a charge on the property so that the welfare state gets its money back..

Many home owners already take out insurance to cover for when they might not be able to pay the mortgage and the aim is to encourage all home owners to do this.

knickebein wrote: »

In my case I have just over 7 years left on my mortgage out of 25 years, I need help till I get back to work after three operations !

Have you looked to see SMI will cover all of your interest payments?
https://www.gov.uk/support-for-mortgage-interest

knickebein wrote: »

Its just frustrating that having worked, and contributed heavily over the years into our tax and national insurance, that it is so difficult for a genuine claimant to get help to get back on their feet after illness.
....M

Ugggh....why didn't you take out insurance?

knickebein

Once again, thank you for all the constructive replies,
some really useful information and advice.

As for insurance, because of various ongoing health issues, the monthly cost of cover for illness would be nearly the same as my present monthly mortgage payments.

Indeed , when I was able bodied and with my ex wife, we did have both redundancy and illness cover.

At my age, the cost of insurance made it a non starter, in reply to the last post. M.