Universal credit and Tax Credit claim

aayush

Hi
Am going through a Mutal split and thus need to claim the above but seems the UC helpline does not give a rough idea of what will get on UC and help with rent and Mortage as not wish to sign up for something and then find out that not able to pay for it eg rent Mortage as say fill form then met with coach and then will give you the full SP 
The tax credit can I get this as on £24K

tacpot12

You can’t get ax credit as no-one can make a new claim for tax credits. Use the benefit calculator at entitledto.Co.Uk to see what you are entitled to claim. 

spaniel101

You can no longer make a new claim for Tax Credits as its all under one hood now, UC.

Try a benefits calculator:

https://www.turn2us.org.uk

https://www.uceplus.co.uk/


There is no help for Mortgage, apart from SMI interest only loan (which has to be paid back) and only if you have had 9 consecutive months of no earned income and only after you have been claiming for 3 consecutive assessment periods.

https://www.uceplus.co.uk/homeowner

aayush

tacpot12 said:

You can’t get ax credit as no-one can make a new claim for tax credits. Use the benefit calculator at entitledto.Co.Uk to see what you are entitled to claim. 

ic 
say i use the benefit calculator but what if the landlord is not willing to give a tenancy agreement so you can show what rent you will be paid plus the mortgage what to do then 

as unit I live at present is in joint names and can not be sorted till the first form from divorce courts comes through thus not able to go forward as not wish to start to look in winter time  

huckster

Is this a shared ownership property where you only own a percentage of the property with a mortgage and pay rent on the other part you do not own ?

Shared ownership homes: buying, improving and selling: How shared ownership works - GOV.UK (www.gov.uk)

spaniel101

No tenancy agreement, no rent help from UC.  You do have to show you are legitimately renting to receive any rent help.   The tenancy agreement is then verified and validate by UC.

The mortgage is the home owners responsibility, if this is not affordable, your only alternative would be to maybe consider selling the property.   Consider taking advice from your divorce solicitor or Citizen's Advice.

aayush

spaniel101 said:

No tenancy agreement, no rent help from UC.  You do have to show you are legitimately renting to receive any rent help.   The tenancy agreement is then verified and validate by UC.

The mortgage is the home owners responsibility, if this is not affordable, your only alternative would be to maybe consider selling the property.   Consider taking advice from your divorce solicitor or Citizen's Advice.

thus my question say I go for flat rent 1.5k amonth with a service charge o f250.00 amonth  then mortg for 200.00 with interest rates 

Will get the 1.5k rent and help with service charge 

calcotti

aayush said:
Will get the 1.5k rent and help with service charge 

The maximum amount of help you can get with rent and service charges is capped and depends on your postcode and the number of bedrooms you are entitled to based on how your household is made up.
https://lha-direct.voa.gov.uk/Search.aspx

spaniel101

UC is based on your overall individual circumstances to form Total Entitlement and are different for everyone.

Age
Single/Joint rate
Children
Rent - whether private / social (Local Housing Allowance dependant on circumstances)
Childcare
Carer
Disabilities


Deducted from Total Entitlement

Work Allowance if Children/LCWRA - before deduction of 55% of earned income over work allowance.

If no Work Allowance, 55% deduction of earned income entirely.

Deductions are also made to pay back any Advances / Debts.



Hence your Award could be very different from your Total Entitlement. 

sheramber

OP has the same thread running on house buying, selling and renting.

https://forums.moneysavingexpert.com/discussion/6444609/mortage/p1

aayush

calcotti said:

aayush said:
Will get the 1.5k rent and help with service charge 

The maximum amount of help you can get with rent and service charges is capped and depends on your postcode and the number of bedrooms you are entitled to based on how your household is made up.
https://lha-direct.voa.gov.uk/Search.aspx

the amounts shown on the above website Is this what I would get a week to help with my rent?