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  • FIRST POST
    • notsureaboutmuch2985
    • By notsureaboutmuch2985 14th Mar 18, 12:03 PM
    • 2Posts
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    notsureaboutmuch2985
    Attendance Allowance as Proof on Income
    • #1
    • 14th Mar 18, 12:03 PM
    Attendance Allowance as Proof on Income 14th Mar 18 at 12:03 PM
    Hello everyone, my first post, looking for some guidance from anyone with experience of anything similar.

    My wife is a full time carer for her Nan who is in receipt of Attendance Allowance, this attendance allowance is then paid to my wife by her Nan to deliver the care and additional support she needs as carers allowance is peanuts!

    We recently applied for a mortgage to move to larger home, a mortgage we can afford but were declined for as the lender (and all other lenders our broker knows of) cannot accept the Attendance Allowance as income because it is awarded to my wife's Nan and not to her.

    My question is, given that this is income we receive every month and will do for the entire duration of her Nan's care... how do we make it so that we can have the attendance allowance as proof of income?

    All help welcome.

    thank you
Page 1
    • Alter ego
    • By Alter ego 14th Mar 18, 12:10 PM
    • 2,334 Posts
    • 2,280 Thanks
    Alter ego
    • #2
    • 14th Mar 18, 12:10 PM
    • #2
    • 14th Mar 18, 12:10 PM
    Invoice Nan for the care, then declare and pay tax etc on it as income. Probably need to set up a care business to do it though.
    Ignore me if you like, it's not the real me anyway.
    • notsureaboutmuch2985
    • By notsureaboutmuch2985 14th Mar 18, 12:18 PM
    • 2 Posts
    • 0 Thanks
    notsureaboutmuch2985
    • #3
    • 14th Mar 18, 12:18 PM
    • #3
    • 14th Mar 18, 12:18 PM
    Yes, the AA is used to hire my wife I guess, good way of looking at it - and NO we 100% need to sort the tax declaration out - didn't even occur to us.

    If we invoice and run it like a mini-business would my wife basically be self-employed?
    • Nannytone
    • By Nannytone 14th Mar 18, 4:06 PM
    • 74 Posts
    • 133 Thanks
    Nannytone
    • #4
    • 14th Mar 18, 4:06 PM
    • #4
    • 14th Mar 18, 4:06 PM
    To be honest her Nan isn't going to live forever. If your wife provides 35 hours or more a week of care then she can claim Carer's Allowance which would be counted as income.
    I wouldn't want to get a mortgage for the long-term based on an income as someone that is old and ill
    • w06
    • By w06 14th Mar 18, 6:01 PM
    • 579 Posts
    • 870 Thanks
    w06
    • #5
    • 14th Mar 18, 6:01 PM
    • #5
    • 14th Mar 18, 6:01 PM
    You'd be better looking for a smaller mortgage, if an income of at most 4300 a year is tipping the balance then it sounds as though you've over stretched.

    Banks do accept benefits as income - I took a loan out to buy my van that was wholly covered by my PIP mobility payments, my income wouldn't have allowed me to take it out I don't think, but Natwest accepted a 10 year PIP award as my having means to make the repayments. But that's because it's an award in my name.
    • beanielou
    • By beanielou 14th Mar 18, 10:31 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    • #6
    • 14th Mar 18, 10:31 PM
    • #6
    • 14th Mar 18, 10:31 PM
    I doubt any lender would accept income to someone else as income.
    Also, there is no guarentee how long it will continue.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
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    • Danday
    • By Danday 16th Mar 18, 12:12 AM
    • 354 Posts
    • 63 Thanks
    Danday
    • #7
    • 16th Mar 18, 12:12 AM
    • #7
    • 16th Mar 18, 12:12 AM
    To be honest her Nan isn't going to live forever. If your wife provides 35 hours or more a week of care then she can claim Carer's Allowance which would be counted as income.
    I wouldn't want to get a mortgage for the long-term based on an income as someone that is old and ill
    Originally posted by Nannytone
    I personally wouldn't want to get a mortgage based on ANY benefit that is paid by the DWP. The way things are going there is no certainty in anything anymore benefit wise and that includes working tax/child tax credits.
    • Cariad71
    • By Cariad71 17th Mar 18, 7:42 PM
    • 163 Posts
    • 150 Thanks
    Cariad71
    • #8
    • 17th Mar 18, 7:42 PM
    • #8
    • 17th Mar 18, 7:42 PM
    No bank will accept someone else's benefits as income. With respect, her Nan could die and then the income would cease.
    Starting balance 173,000 (Sept 2012) interest only so if we do nothing We will owe this at the end of the term!!!128513;!!!128513;
    Balance as of Sept 2014 165,803
    Balance as of Feb 2015 163,360
    Balance end of July 2015 159,050
    Balance as of Jan 2017.... 138,033
    • teddysmum
    • By teddysmum 17th Mar 18, 8:20 PM
    • 9,037 Posts
    • 5,386 Thanks
    teddysmum
    • #9
    • 17th Mar 18, 8:20 PM
    • #9
    • 17th Mar 18, 8:20 PM
    No bank will accept someone else's benefits as income. With respect, her Nan could die and then the income would cease.
    Originally posted by Cariad71


    As the system is going through change, any benefit could be reduced, abolished or suspended, thus not providing a reliable source.
    • lisyloo
    • By lisyloo 18th Mar 18, 9:22 AM
    • 21,832 Posts
    • 10,546 Thanks
    lisyloo
    How long is the mortgage term?
    How long is the AA going to last? (Care home or death)

    Do you understand their concern?

    You say you can afford it, they are saying you can!!!8217;t guarantee that in future if you lose this income.
    • Danday
    • By Danday 18th Mar 18, 6:54 PM
    • 354 Posts
    • 63 Thanks
    Danday
    How long is the mortgage term?
    How long is the AA going to last? (Care home or death)

    Do you understand their concern?

    You say you can afford it, they are saying you can!!!8217;t guarantee that in future if you lose this income.
    Originally posted by lisyloo
    Or as the case which now appears to becoming the norm - re-assessments at timely intervals for indefinite AA awards
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