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

AdrianC

throwaway3000 said:

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.

They don't take regular gifts into account, no - either in the past or in the future.

elsien

She will need a decent deposit to buy anything at all, Does she have one? 
If she is on a low income has she looked at council tax reduction? 

[Deleted User]

elsien said:

She will need a deposit to buy anything at all, Does she have one? 
If she is on a low income has she looked at council tax reduction? 

We can help with a deposit, maybe £10,000 or so. Do you think she can get a mortgage based on her income? 
I will let her know about council tax reduction. 

elsien

throwaway3000 said:

elsien said:

She will need a deposit to buy anything at all, Does she have one? 
If she is on a low income has she looked at council tax reduction? 

We can help with a deposit, maybe £10,000 or so. Do you think she can get a mortgage based on her income? 
I will let her know about council tax reduction. 

That's an impossible question to answer without all the relevant information but I'd say probably not. 
A part of the country where the houses are ridiculously cheap, possible but unlikely. London and the home counties, not a hope in hell. She's already looking to paying it from benefits which rules out many of the mortgage lenders and the lower the deposit the higher the interest rate she would have to pay if she did get offered anything. Then throw in what term mortgage she might get at her age and it's not looking entirely hopeful. 
Your mum's disability is irrelevant. What counts is her financial circumstances. Which once your dad stops paying won't be great.

It would be no fun trying to pay maintenance bill, new boiler, new windows, whatever the ongoing costs might be that are currently paid by the landlord, on  a reduced income that she is barely scraping by on. I appreciate her wish for security but social housing would give her that without all the additional costs. 

elsien

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?

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.

Not if she can find a way to top up the rent herself, or get discretionary housing benefit.

OP there are some exemptions but unless your mother has regular overnight care I don't think they would apply.
https://www.citizensadvice.org.uk/benefits/help-if-on-a-low-income/housing-benefit/housing-benefit-restrictions-for-social-housing-tenants1/housing-benefit-size-restrictions-in-social-housing-special-circumstances/

I think that your mother needs to get onto her social worker/local authority and get some help around her options when dad stops paying. To include a full benefits check. Preferably before it happens. 

45002

Duplicates threads

https://forums.moneysavingexpert.com/discussion/6164311/can-a-disabled-person-buy-a-house-without-an-income-re

https://forums.moneysavingexpert.com/discussion/6164285/can-a-disabled-person-buy-a-house-without-an-income/

[Deleted User]

elsien said:. 

That's an impossible question to answer without all the relevant information but I'd say probably not. 
A part of the country where the houses are ridiculously cheap, possible but unlikely. London and the home counties, not a hope in hell. She's already looking to paying it from benefits which rules out many of the mortgage lenders and the lower the deposit the higher the interest rate she would have to pay if she did get offered anything. Then throw in what term mortgage she might get at her age and it's not looking entirely hopeful. 
Your mum's disability is irrelevant. What counts is her financial circumstances. Which once your dad stops paying won't be great.

It would be no fun trying to pay maintenance bill, new boiler, new windows, whatever the ongoing costs might be that are currently paid by the landlord, on  a reduced income that she is barely scraping by on. I appreciate her wish for security but social housing would give her that without all the additional costs. 

I don't think she is aware of all of her options. I will let her know what you said. 

Savvy_Sue

She might struggle to find anything large enough (especially the two bathroom thing!) but it might be worth your mum looking at renting Sheltered Housing of some kind. There are a range of options, but there will be assistance available should she need it, plus they should be well set up for accessibility. 

Just as an example, a friend has a flat at the very top of a converted church. The lounge is huge, there's a spacious wetroom, adequate bedroom and well-equipped kitchen. There are some purpose built flats alongside the church, I think these would tend to be smaller but some have two bedrooms. There's an alarm cord in all the rooms, a communal lounge where they sometimes have activities, and a very friendly atmosphere. 

Your mum would be at the younger end of the scale, but not too young to be eligible.  

The other thing worth saying is that although the waiting lists for council and housing association accommodation are long, there isn't necessarily such a wait for sheltered accommodation, because there is a regular turnover. 

Galloglass

Check out this scheme [HOLD] for shared ownership. It appears to use a combination of social housing shared-ownership and SMI. It will also be dependent on local availability, credit rating and which benefits.

HOLD is available (subject to lender approval) to people aged 18 or over with long-term disabilities (this covers physical and learning disabilities, cognitive and sensory impairments and enduring mental health issues).

https://www.local.gov.uk/sites/default/files/documents/HOLD%20and%20shared%20ownership%20and%20step%20by%20step%20guide_FINAL.pdf

calcotti

elsien said:

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. 

Not if she can find a way to top up the rent herself, or get discretionary housing benefit.

To get a DHP you need to already be getting Housing Benefit or housing element of UC.