Mortgage needed with large deposit & low income

HappyMJ

I'm really hoping it was horribly worded. The PIP and ESA that the daughter gets should allow the OP to not have to use her own income The expenses on her SOA will only be for the adult couple in the house as the PIP and ESA will be used for the daughter. If they are counting the daughter as a dependant then I would like to think they would count the income she gets as paying for her own expenses and offset that against the household bills.

Lemonsqueezer78

charliewocka wrote: »

Have I shown disbelief? No, I've simply stated that even as an appointee for somebody in benefits it's highly unlikely income can be taken into consideration for mortgage purposes because, well, it isn't. OP has instructed a broker to investigate so hopefully some form of solution will be found for them.

I apologise - I've noticed my previous response I'd confused you with the other poster who mentioned social services. My original comment was actually not aimed at you. Sorry for the confusion.

charliewocka

Appreciate it, thanks. Anything I have said was not meant in a horrible way, purely in the possibility of ensuring OP has checked for all available support out there as its hard to come by.

Lemonsqueezer78

HappyMJ wrote: »

I'm really hoping it was horribly worded. The PIP and ESA that the daughter gets should allow the OP to not have to use her own income The expenses on her SOA will only be for the adult couple in the house as the PIP and ESA will be used for the daughter. If they are counting the daughter as a dependant then I would like to think they would count the income she gets as paying for her own expenses and offset that against the household bills.

I understand your point, I was simply defending the OPs right to ask the question without certain posters swooping by to make nasty, cutting, judgemental-sounding comments about speaking to social services "for the sake of her daughter" (not charliewocka's well worded advice, for the sake of continued clarity).

I do happen to hold the opinion, however, that your point is possibly an over-simplification of the OPs circumstances - in that benefits like these don't always neatly cover 100% of the additional expense of caring for an almost-adult person with specific needs and I'd argue its probably unrealistic to suggest these costs/benefits can somehow be completely seperated out of the broader household finances - especially if providing care for her daughter actually limits her ability to work and earn a full time wage for herself.

One could also argue that the OPs point about moving to a larger home, in closer proximity to a family network is completely valid within the context of providing better ongoing care and increasing independence for her daughter, and on that basis incorporating her daughters benefits in to the financial calculations to support that isn't so wildly inappropriate.

As I said, others may argue differently and that's fine. I just object to the acerbic tone taken by some, against someone who is clearly only looking for a way to do the best for her family.

janemtrohear

Charliewocka I think the post supporting the OP was referring to the post above from Tomtontom - which was most unhelpful regarding seeing "social services".
I am in a similar position to the OP. PIP is taken into account when applying for a mortgage - I know from my experience.