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

[Deleted User]

Rodders53 said:

Duplicate thread.  See replies here https://forums.moneysavingexpert.com/discussion/6164285/can-a-disabled-person-buy-a-house-without-an-income/p1

Sorry, someone suggested to repost in this sub-forum. 

KatrinaWaves

Your mum would be best to look for a social housing tenancy to give her security. Hopefully with her disabilities this will not be too tricky.

if she buys a home she will have to pay a mortgage, and currently she has no income to pay that. What money does she have available for a deposit, and the repairs which may happen? If she rents she won’t have those expenses. 

[Deleted User]

Comms69 said:

But how would that help her paying the mortgage in the future in any case?...

I don't understand your question. Are you asking if a mortgage is possible how would she pay it off in the future? I can help.

GlasweJen

No, the help to buy schemes tend to match savings for deposits or pay stamp duty or fees for a first home, they don't literally pay for a whole house!

It's a bit ridiculous expecting the tax payer to buy a house for someone when there is social housing and help with rent available, what happens to the house when your mum passes away? Do you inherit the free house that the tax payer has funded?

Why not apply for social housing for disabled people and wait on the list and try to get priority points since your mum is having to pay for a larger house due to her disability needs?

[Deleted User]

GlasweJen said:

No, the help to buy schemes tend to match savings for deposits or pay stamp duty or fees for a first home, they don't literally pay for a whole house!

It's a bit ridiculous expecting the tax payer to buy a house for someone when there is social housing and help with rent available, what happens to the house when your mum passes away? Do you inherit the free house that the tax payer has funded?

Why not apply for social housing for disabled people and wait on the list and try to get priority points since your mum is having to pay for a larger house due to her disability needs?

Sorry, I think you misunderstood. 

My mother is looking to see if it is possible to get a mortgage not to receive a free house.

My mother hasn't received any social housing or had help with rent. Again, my mother has been privately renting for the past 11 years. 

Spoonie_Turtle

She needs to either apply for Housing Benefit (if she is claiming or eligible for the severe disability premium) or Universal Credit. Do you know why she hasn't claimed for any help with rent so far?

Edit: though she would only be entitled to the one bedroom rate of help with housing costs or a one-bedroom social property so it sounds like she will probably have to move anyway.

[Deleted User]

Spoonie_Turtle said:

She needs to either apply for Housing Benefit (if she is claiming or eligible for the severe disability premium) or Universal Credit. Do you know why she hasn't claimed for any help with rent so far?

I don't think she knows about the available help. She just started receiving PIP after someone told her to apply. 

elsien

It's not completely impossible, but your mother is older so the standard 25 year mortgage is not really going to be feasible and a shorter term comes with higher repayments. 
She would need a deposit and enough money to cover the fees associated with buying a house. 
She is also going to hit the affordability criteria with an income based solely on benefits, plus many mortgage companies will not consider income that is purely benefits based. 
More information here but I don't think your mother's wish to buy is particularly realistic and her best bet for security is to look at the social housing option. 
https://www.finder.com/uk/mortgage-on-benefits

elsien

As an aside, why is she paying tax?
Also to add, shared ownership would involve paying mortgage and rent.
She may get the rent element paid through housing benefit but she's not going to get the mortgage bit paid and would need to pay that from her existing income. Affordability again. 

[Deleted User]

elsien said:

As an aside, why is she paying tax?
Also to add, shared ownership would involve paying mortgage and rent.
She may get the rent element paid through housing benefit but she's not going to get the mortgage bit paid and would need to pay that from her existing income. Affordability again. 

Is she not supposed to pay tax? I have no idea. 

If a mortgage is possible then we can look at the affordability issue but it seems like she is illegible for a mortgage.  

Edit: Oh sorry, it is council tax.