House Buying, Disabled, Benefits.

JustSomeGeek

https://forums.moneysavingexpert.com/discussion/comment/82047484#Comment_82047484

We are a family. We all need our own spaces in the form of separate rooms, but anything else is a bonus really. Just something detached, with space, that we could make work for us. I know we could ask a mortgage broker, but as a veteran, and having disabled people, I really need someone that's aware of any special circumstances that could/would apply.

JustSomeGeek

https://forums.moneysavingexpert.com/discussion/comment/82047679#Comment_82047679

We have rented up til now, but it's not a long term solution, and we need to consider what happens after we are gone too. I could try asking at the local council offices, but i seriously doubt they will be much help TBH. We are in a very rural area. Ex Forces housing is also extremely hard to come by, like everything else.

JustSomeGeek

https://forums.moneysavingexpert.com/discussion/comment/82048050#Comment_82048050

We don't need it, nor would we likely qualify for it. I am trying to find help with buying, but thank you.

JustSomeGeek

https://forums.moneysavingexpert.com/discussion/comment/82048318#Comment_82048318

I am looking for help with info specific to our situation before even approaching a mortgage broker.
/Yes, it's 2+2 family. What we need as far as housing goes, isn't really relevant at this stage. It's people that specialise in our kind of situation that i'm trying to find, before we even think about next steps.

Herzlos

2+2 is pretty normal mortgage wise at least, so it'll come down to affordability. As I understand it, some lenders will accept various benefits as income and others won't so you're going to need to make an appointment with a broker to go through the paperwork. Some might be able to do it via email though if that's easier for you.

What/where you need is sort of relevant at this stage because it'll dictate what you're going to need to mortgage. If you're just trying to find out what your maximum mortgage amount is to see what you can afford, then you're right it's not relevant now, but it'll be relevant next when you start trying to get an idea of properties to look at.

Ms_Chocaholic

Is it 2 adults (parents) and 2 children? How likely is it that the children will leave home in the near future. You've not mentioned their ages or whether they would be able to live independently but that might free up your budget to get somewhere smaller.

JustSomeGeek

https://forums.moneysavingexpert.com/discussion/comment/82056536#Comment_82056536

The kids are both adults, and very unlikely to leave home, and definitely not without support. It's partly about ensuring they have a home for life when we aren't there, so they never have to try and deal with new places, rent, etc.

Ms_Chocaholic

https://forums.moneysavingexpert.com/discussion/comment/82060851#Comment_82060851

Thanks for clarifying. I'm not sure that you're plan may 100% work. If you and the other owner need a care home in the years to come then the home may need to be sold to pay for that care. I do know that if an adult aged over 60 is living in the property then it doesn't need to be sold but I'm unsure how this would apply to younger adults who have specific needs. Maybe you need to do a bit more research around this, I only know the very basics.

Ms_Chocaholic

Just googled this for you but you may need to look into it in more depth cosnidering your exact circumstances and your children's needs.

If you move into a permanent care home, your property's value is typically included in your local authority's means test. However, mandatory exemptions apply if your home is still occupied by your spouse/partner, a relative over 60, or a disabled relative. Councils also offer a 12-week property disregard and Deferred Payment Agreements to avoid immediate sales.