Can a disabled person buy a house without an income? {Merged}

[Deleted User]

My mother is a 60-year-old disabled woman. She was diagnosed with MS in 2005 leaving her wheelchair-bound and unable to work. She has lived in the UK for the past 11 years in a privately rented flat with 2 bedrooms and 2 bathrooms (a lot of space is taken up by her equipment). My siblings and I attend university and visit during the holidays. My mother receives ESA and PIP from the government which is used for adult social care (by the council) and personal care/cleaning (privately). My father, from whom she is separated, lives abroad and has been paying for my mother's housing expenses. Unfortunately, my father cannot keep this up as he is close to retiring.  

Her current housing expenses amount to £1165 per month:

• Rent £850
• Tax £105
• Electric £110
• Water £60
• Internet £40

My mother is looking for a permanent home. She has been telling me about the Help to Buy scheme and other shared ownership schemes. Unfortunately, neither myself of my mother know the details and if it is suitable. 

Any advice is greatly appreciated. 

Comms69

Short answer. no. If she has no capital, and no income, then no one will lend her the money. Disabled or otherwise. Much better looking for a council house / housing association

lincroft1710

Is she not eligible for local authority provided/financed suitable rented accom. I don't think buying would be ideal given her age and disability (think maintenance and repairs which can be costly)

greatcrested

I'm afraid your title should really be

Can a disabled person buy a house without an income?

DCFC79

Im guessing she has no capital as your father os pauing the housing costs, if thats the case then its as previously been advised.

[Deleted User]

Unless she has enough savings to pay outright for 25% of a share of a house she will not be successful with a shared ownership property as she has no income with which to get a mortgage.  Benefits income (long term) does not normally count as income for a mortgage. 

She needs to get some benefits advice long term but I would imagine someone needs to give that in her home.  It might be best to move this to https://forums.moneysavingexpert.com/categories/benefits-tax-credits or https://forums.moneysavingexpert.com/categories/disability-money-matters or repost on these parts of the forum.

Thinking about it though, if she is being provided with a care package, the social worker dealing with this should be able to offer some advice and referrals to help with the change in circumstances.

[Deleted User]

lincroft1710 said:

Is she not eligible for local authority provided/financed suitable rented accom. I don't think buying would be ideal given her age and disability (think maintenance and repairs which can be costly)

Honestly, I am not sure but I will look into it. Someone told her about PIP recently and she started receiving that 6 months ago. 

[Deleted User]

deannatrois said:

Unless she has enough savings to pay outright for 25% of a share of a house she will not be successful with a shared ownership property as she has no income with which to get a mortgage.  Benefits income (long term) does not normally count as income for a mortgage. 

She needs to get some benefits advice long term but I would imagine someone needs to give that in her home.  It might be best to move this to https://forums.moneysavingexpert.com/categories/benefits-tax-credits or https://forums.moneysavingexpert.com/categories/disability-money-matters or repost on these parts of the forum.

Thinking about it though, if she is being provided with a care package, the social worker dealing with this should be able to offer some advice and referrals to help with the change in circumstances.

Thank you. I will repost on the sub-forums and let her know to contact the social worker.

MovingForwards

Potentially a person on benefits can obtain a mortgage, in reality it's only certain benefits which can be used towards obtaining the mortgage.

Speak with a really good, whole of market mortgage broker, to see what they say.

@haras_n0sirrah deals with shared ownership mortgages

But your mom also needs to find money for legal fees etc on top of finding the mortgage deposit.

She is probably better off contacting her local council and housing associations to see what they can do.

[Deleted User]

My mother is a 60-year-old disabled woman. She was diagnosed with MS in 2005 leaving her wheelchair-bound and unable to work. She has lived in the UK for the past 11 years in a privately rented flat with 2 bedrooms and 2 bathrooms (a lot of space is taken up by her equipment). My siblings and I attend university and visit during the holidays. My mother receives ESA and PIP from the government which is used for adult social care (by the council) and personal care/cleaning (privately). My father, from whom she is separated, lives abroad and has been paying for my mother's housing expenses. Unfortunately, my father cannot keep this up as he is close to retiring.  

Her current housing expenses amount to £1165 per month:

• Rent £850
• Tax £105
• Electric £110
• Water £60
• Internet £40

My mother is looking for a permanent home. She has been telling me about the Help to Buy scheme and other shared ownership schemes. Unfortunately, neither myself of my mother know the details and if it is suitable. 

Any advice is greatly appreciated. 

[Deleted User]

My mother is a 60-year-old disabled woman. She was diagnosed with MS in 2005 leaving her wheelchair-bound and unable to work. She has lived in the UK for the past 11 years in a privately rented flat with 2 bedrooms and 2 bathrooms (a lot of space is taken up by her equipment). My siblings and I attend university and visit during the holidays. My mother receives ESA and PIP from the government which is used for adult social care (by the council) and personal care/cleaning (privately). My father, from whom she is separated, lives abroad and has been paying for my mother's housing expenses. Unfortunately, my father cannot keep this up as he is close to retiring.  

Her current housing expenses amount to £1165 per month:

• Rent £850
• Tax £105
• Electric £110
• Water £60
• Internet £40

My mother is looking for a permanent home. She has been telling me about the Help to Buy scheme and other shared ownership schemes. Unfortunately, neither myself of my mother know the details and if it is suitable. 

Any advice is greatly appreciated.