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SELECT * FROM (SELECT * FROM wp_auto_internal_log WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="8383" class="elementor elementor-8383" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column" id="top"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Getting A Mortgage On Benefits</h1> </div> </div> <div class="elementor-element elementor-element-c663e35 elementor-widget elementor-widget-text-editor" data-id="c663e35" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Getting a Mortgage on benefits may seem impossible but it can be done! We answer all your questions in our feature length guide.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4f88d6d" data-id="4f88d6d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-57826f3 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="57826f3" data-element_type="widget" data-settings="{"step_next_label":"Next","step_previous_label":"Previous","button_width":"100","step_type":"number_text","step_icon_shape":"circle"}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="8383"/> <input type="hidden" name="form_id" value="57826f3"/> <input type="hidden" name="referer_title" value="Getting A Mortgage On Benefits 🏡 Borrow up to 5x your income!" /> <input type="hidden" name="queried_id" value="8383"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-a9137bb elementor-widget elementor-widget-global elementor-global-214 elementor-widget-text-editor" data-id="a9137bb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-8ad2549 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="8ad2549" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a3a3775" data-id="a3a3775" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-454aa75 heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="454aa75" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Is Getting A Mortgage On Benefits Possible?</span></h2><p><span style="font-weight: 400;">Getting a mortgage on benefits is possible, it will largely depend on the lender whether they accept benefits. Some lenders definitely accept 100% of benefits, whereas some may only accept half of them, or even none of them.</span></p><p><span style="font-weight: 400;">However, if you are on benefits and would like to get a mortgage you should work on the assumption that someone may take all of them. Speak to a specialist mortgage advisor to see exactly how much you can borrow.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eecad98" data-id="eecad98" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a9ba2ae elementor-widget elementor-widget-image" data-id="a9ba2ae" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="531" src="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-1024x680.jpg" class="attachment-large size-large wp-image-1133" alt="Shared Ownership Mortgage Bad Credit" srcset="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-1024x680.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-300x199.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-768x510.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-1536x1020.jpg 1536w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-2048x1360.jpg 2048w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-b3250c1 elementor-widget elementor-widget-text-editor" data-id="b3250c1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Is Getting A Mortgage On Benefits With Bad Credit likely?</span></h2><p><span style="font-weight: 400;">Whilst bad credit reduces your options for lenders, getting a mortgage on benefits with bad credit may still be possible as some lenders view bad credit differently.</span></p><p><span style="font-weight: 400;">If you have bad credit you should follow a few simple steps in order to find out your options:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Get a credit report – We recommend <a href="https://www.checkmyfile.com/?ref=albionforest&cbap=1" target="_blank" rel="noopener">checkmyfile</a>, but use whichever works best for you.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Speak to a specialist – A mortgage broker will be able to give you an idea of which lenders are best for your situation.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Get a mortgage in principle – These usually involve a credit check, so should give you confidence in your ability to get a mortgage with the recommended lender.</span></li></ul><p><span style="font-weight: 400;">Getting a mortgage on benefits with bad credit may seem impossible, but you may have options.</span></p> </div> </div> <div class="elementor-element elementor-element-12caba3 elementor-widget elementor-widget-video" data-id="12caba3" data-element_type="widget" data-settings="{"youtube_url":"https:\/\/youtu.be\/HtSjRhc9BrA","video_type":"youtube","controls":"yes"}" data-widget_type="video.default"> <div class="elementor-widget-container"> <div class="elementor-wrapper elementor-open-inline"> <div class="elementor-video"></div> </div> </div> </div> <div class="elementor-element elementor-element-8274db0 elementor-widget elementor-widget-text-editor" data-id="8274db0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Do You Get Mortgages For People On Benefits?</span></h2><p><span style="font-weight: 400;">Whilst there are generally not specific mortgages for people on benefits you will get lenders or even products that are more preferable for people on benefits.</span></p><p><span style="font-weight: 400;">Benefits range from things such as Child Benefit, to Universal credit and Disability Living Allowance (DLA) and generally some lenders will consider all of them, even things such as jobseekers allowance.</span></p><h2><span style="font-weight: 400;">Can Universal Credit Be Used For Mortgage?</span></h2><p><span style="font-weight: 400;">With the recent changes to the Universal Credit system there are many different benefits rolled into this one header. Getting a Universal Credit Mortgage is definitely possible, and some lenders may even take 100% of it as income. If you are using our affordability calculator you can enter your benefit income as part of your income for affordability.</span></p><p><span style="font-weight: 400;">As some lenders use all of your benefit income this should give you an estimation of how much you can borrow.</span></p><p><span style="font-weight: 400;">However, if you need an accurate idea of how much you can borrow we recommend speaking to a specialist mortgage broker.</span></p><h2><span style="font-weight: 400;">Can You Get A Mortgage With PIP?</span></h2><p><span style="font-weight: 400;">Personal independence payments can also be used toward mortgage affordability. Some lenders will allow you to use 100% of your Personal independence payments (PIP) toward your affordability.</span></p><p><span style="font-weight: 400;">As many on Personal independence payments may not be able to work, it makes sense that you should be able to use it as income toward your mortgage.</span></p> </div> </div> <div class="elementor-element elementor-element-d993d6d elementor-align-center elementor-widget elementor-widget-global elementor-global-572 elementor-widget-button" data-id="d993d6d" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-lg" href="https://albionforest.co.uk/contact/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">LETS GET STARTED</span> </span> </a> </div> </div> </div> <div class="elementor-element elementor-element-69c2823 elementor-widget elementor-widget-text-editor" data-id="69c2823" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Can I Use Housing Benefit To Buy A House</span></h2><p><span style="font-weight: 400;">Housing benefit can be used to buy a house as long as you can show that the income will continue upon completion of the mortgage.</span></p><p><span style="font-weight: 400;">Generally Housing benefit is meant to help people that are renting, so you will need to be able to show that you will still receive Housing benefit once you move in. This is common for people buying on the shared ownership scheme as they still have a rental element upon completion and may still receive housing benefit.</span></p><h2><span style="font-weight: 400;">How Can I Buy A House On Benefits?</span></h2><p><span style="font-weight: 400;">Buying a house on benefits should be quite simple and straightforward.</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Speak to a mortgage advisor to find out how much you can borrow</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Get a mortgage in principle from a lender</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Make an offer on a property</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Submit a full mortgage application.</span></li></ul><p><span style="font-weight: 400;">The only difference will generally be that getting a mortgage on benefits limits which lenders you are able to use. Many will not take benefits, and many more will not take 100% of your benefits income. However, some will consider taking all of it, as long as it is sustainable.</span></p><h2><span style="font-weight: 400;">Can I Get A DLA Mortgage?</span></h2><p><span style="font-weight: 400;">Disability Living Allowance or DLA has <a href="https://www.gov.uk/dla-disability-living-allowance-benefit" target="_blank" rel="noopener">recently changed</a> to PIP or personal independence payments. However, many still refer to them as DLA. You can generally get a DLA mortgage as long as the benefits are sustainable.</span></p><p><span style="font-weight: 400;">Many lenders will accept 100% of disability living allowance or personal independence payments. For many disability living allowance or Personal independence payments are a long term benefit as they are unable to work. This means that they are relatively secure for a lender.</span></p><h2><span style="font-weight: 400;">Can I Get Shared Ownership On Universal Credit</span></h2><p><span style="font-weight: 400;">Many people that apply for the <a href="https://albionforest.co.uk/mortgage-advisor-for-shared-ownership/">shared ownership</a> scheme may be receiving benefits of some kind. This is quite common and many lenders will allow you to use Universal credit toward affordability on a shared ownership mortgage.</span></p><p><span style="font-weight: 400;">If you are considering getting shared ownership on universal credit you can expect to go through several stages:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Speak to a specialist mortgage advisor to check your affordability</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Get a mortgage in principle</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Find a property and have your financial assessment by the housing association</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Submit a full mortgage application.</span></li></ul><h2><span style="font-weight: 400;">How Do Benefits Affect A Mortgage Application?</span></h2><table><tbody><tr><td><h3><span style="font-weight: 400;">Pros</span></h3></td><td><h3><span style="font-weight: 400;">Cons</span></h3></td></tr><tr><td><p><span style="font-weight: 400;">Benefits may increase the amount you can borrow compared to just using income</span></p></td><td><p><span style="font-weight: 400;">Many lenders won’t accept benefits.</span></p></td></tr><tr><td><p><span style="font-weight: 400;">If you have a low income, but are receiving benefits this can boost how much</span></p></td><td><p><span style="font-weight: 400;">Some underwriters may view it negatively if you are dependent on benefits</span></p></td></tr><tr><td><p><span style="font-weight: 400;">Benefits can be used with Schemes such as First homes, deposit unlock and Shared ownership</span></p></td><td><p><span style="font-weight: 400;">Lenders that do accept benefits may not count 100% of them towards affordability</span></p></td></tr><tr><td><p><span style="font-weight: 400;">You may be able to use childrens benefit toward your affordability.</span></p></td><td><p><span style="font-weight: 400;">Lenders may scrutinise your case further if you are on benefits.</span></p></td></tr></tbody></table><h2><span style="font-weight: 400;">What Benefits Can Be Used For A Mortgage?</span></h2><p><span style="font-weight: 400;">Different lenders may accept different benefits. Some may accept </span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Attendance Allowance</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Carers Allowance</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Child Benefit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Child Tax Credit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Disability Living Allowance (DLA)</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Housing Benefit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Incapacity Benefit (IB)</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Industrial Injuries Benefit (IIB)</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Maternity Pay</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Pension Credits</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Personal Independence Payment</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Severe Disablement Allowance</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Universal Credit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Widow’s Pensions</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Working Tax Credit</span></li></ul><p><span style="font-weight: 400;">However, whilst this list shows many of the benefits that can be accepted, they may not be accepted by all lenders. You should speak to your bank, building society or mortgage advisor to find out which benefits you can use.</span></p><h2><span style="font-weight: 400;">Which Mortgage Lenders Accept Benefits?</span></h2><p><span style="font-weight: 400;">Many lenders accept some benefits, some accept more than others. For example, child benefit is widely accepted by most lenders as long as the children are younger. However, Housing benefit is rarely accepted by lenders as it is usually to help pay rent and may not be received upon completion of a mortgage.</span></p><p><span style="font-weight: 400;">The other thing to consider is how much of a benefit is accepted by certain lenders. They may accept a benefit, but only allow you to use 50% of it toward your affordability. However another lender might take 100% of the same benefit.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-9e76696 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="9e76696" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1347a1a" data-id="1347a1a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-68bfad6 elementor-widget elementor-widget-text-editor" data-id="68bfad6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">How Much Can I Borrow On Benefits?</span></h2><p><span style="font-weight: 400;">This will depend on various factors. To get a rough idea you can add up all your annual benefit income, with other forms of income in your household and use our mortgage calculator at the top of the page.</span></p><p><span style="font-weight: 400;">This will give you a ballpark amount you may be able to get, but we highly recommend speaking to a specialist mortgage advisor to get a more accurate figure.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a282789" data-id="a282789" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-8ccf4be elementor-widget elementor-widget-image" data-id="8ccf4be" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="https://albionforest.co.uk/bad-credit-mortgage-broker/"> <img decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-1024x1024.png" class="attachment-large size-large wp-image-8987" alt="bad credit mortgage broker" srcset="https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </a> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-a430a4b elementor-widget elementor-widget-text-editor" data-id="a430a4b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">How Can I Get A Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">There are several ways of getting a mortgage on benefits. You should consider the pros and cons of them all which we will cover here.</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Walk in to your bank or building society and ask to speak to a mortgage advisor</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Speak to a specialist mortgage broker</span></li></ul><p><span style="font-weight: 400;">Your bank or building society may not accept benefits, or if they do, they may not accept 100% of benefits.</span></p><p><span style="font-weight: 400;">A specialist mortgage broker will have access to dozens of lenders and probably thousands of products. This should mean that they can find the best lender for your situation.</span></p><h2><span style="font-weight: 400;">Can I Get A Buy To Let Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">Many Buy to let lenders will accept benefits as income. Generally buy to let mortgages are calculated based on the rent that the property can achieve. Your income is factored in to ensure you can afford to cover the mortgage in the event there is no tenant in the property.</span></p><p><span style="font-weight: 400;">This therefore means that many lenders don’t mind if you are on benefits when getting a buy to let mortgage, as the rent will cover the mortgage itself.</span></p><h2><span style="font-weight: 400;">Can I Get A Mortgage On Jobseeker’s Allowance?</span></h2><p><span style="font-weight: 400;">Whilst many think you can’t get a mortgage whilst on jobseekers allowance (JSA), some lenders do accept jobseekers allowance as income. However, you may find that if you have been on jobseekers allowance long term that you struggle with lenders.</span></p><p><span style="font-weight: 400;">There is also another benefit called Support for mortgage interest that will help homeowners if they find themselves without full time employment.</span></p><h2><span style="font-weight: 400;">Can I Use Child Benefit For A Mortgage?</span></h2><p><span style="font-weight: 400;">Child benefit is widely accepted by lenders while the children are younger. As your entitlement to this is unlikely to change over the short term. Also Child benefit is usually quite a small amount in the grand scheme of your mortgage, however it can make the difference if you need to borrow just a little bit more for that house you want.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-291edeb elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="291edeb" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8c63eae" data-id="8c63eae" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a4cc381 elementor-widget elementor-widget-text-editor" data-id="a4cc381" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Is There A Mortgage Calculator On Benefits?</span></h2><p><span style="font-weight: 400;">Our <a href="https://albionforest.co.uk/mortgage-calculator/">mortgage calculator</a> can give you an idea of how much you may be able to borrow whilst on benefits. You just need to add your income together with your benefits and then enter that as your income figure for our calculator.</span></p><p><span style="font-weight: 400;">Our mortgage calculator doesn’t require any personal details so you can use it without us calling you as well.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4715445" data-id="4715445" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2ec4ea9 elementor-widget elementor-widget-image" data-id="2ec4ea9" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="https://albionforest.co.uk/mortgage-calculator/"> <img loading="lazy" decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-1024x1024.png" class="attachment-large size-large wp-image-7434" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </a> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-a636281 elementor-widget elementor-widget-text-editor" data-id="a636281" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Is There A Universal Credit Mortgage?</span></h2><p><span style="font-weight: 400;">Universal credit is a complicated benefit, as it covers many areas. As such many lenders do not accept Universal credit for a mortgage.</span></p><p><span style="font-weight: 400;">However, some lenders will take universal credit as it comes, and some will want to see a statement to see what the different aspects comprise the universal credit.</span></p><p><span style="font-weight: 400;">If you are on Universal credit and want to use it toward a mortgage we highly recommend speaking to a professional that can tell you which parts can be used for a mortgage.</span></p><h2><span style="font-weight: 400;">What Documents Will I need While Getting A Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">The documents required for a mortgage whilst on benefits are likely to be similar to any other mortgage, however, you may also need a statement for some benefits such as Universal credit.</span></p><p><span style="font-weight: 400;">The other documents you may need are:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Bank statements</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of deposit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Payslips or Self employed tax returns</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of ID</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of address</span></li></ul> </div> </div> <div class="elementor-element elementor-element-75c9b00 elementor-align-center elementor-widget elementor-widget-global elementor-global-7125 elementor-widget-button" data-id="75c9b00" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://albionforest.co.uk/contact/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Get in touch</span> </span> </a> </div> </div> </div> <div class="elementor-element elementor-element-1c1a0d4 elementor-widget elementor-widget-text-editor" data-id="1c1a0d4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">How Much Deposit Do I Need While Getting A Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">With <a href="https://albionforest.co.uk/how-much-deposit-for-mortgage/">deposit</a> more is always better. However, you may be able to get a mortgage on benefits with as little as 5% deposit, or if you are looking at shared ownership, it’s possible with even less deposit than that.</span></p><p><span style="font-weight: 400;">It is also worth noting that in general you can expect a lower rate of interest if you have a larger deposit. So it is worth saving a little bit more if you can.</span></p><p><span style="font-weight: 400;">You can also use a gifted deposit whilst getting a mortgage on benefits, for this you will usually need a signed gifted deposit form and proof of funds from the person giving you the deposit.</span></p><h2><span style="font-weight: 400;">My Only Income is From Universal Credit</span></h2><p><span style="font-weight: 400;">Whilst most lenders want to see an income of some sort in order to use benefits to get a mortgage, you may still be able to get a mortgage with just Universal credit income. This can be incredibly difficult though, and we highly recommend speaking to a mortgage broker if you want to do so.</span></p><h2><span style="font-weight: 400;">Can I Use Maintenance Payments While Getting A Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">You may be able to use <a href="https://albionforest.co.uk/mortgage-based-on-maintenance-payments/">Maintenance payments</a> as well as benefits while getting a mortgage on benefits. This can add to your affordability and increase the amount you can borrow considerably.</span></p><p><span style="font-weight: 400;">Generally lenders will either require 3 months bank statements showing the maintenance payments, or a letter from the courts showing that it is court ordered, or possibly both.</span></p><h3><span style="font-weight: 400;">Got A Question About Getting A Mortgage On Benefits That We Haven’t Answered? Get In Touch!</span></h3> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6077b6f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6077b6f" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b57f691" data-id="b57f691" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-74f1420 elementor-widget elementor-widget-global elementor-global-8112 elementor-widget-text-editor" data-id="74f1420" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>A mortgage article by Mark Robinson – Mortgage & Equity Release Broker</p> </div> </div> <div class="elementor-element elementor-element-b895f77 elementor-widget elementor-widget-global elementor-global-8109 elementor-widget-image" data-id="b895f77" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-1024x1024.png" class="attachment-large size-large wp-image-8080" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a383d15" data-id="a383d15" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="132" class="elementor elementor-132" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-98897c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="98897c6" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3903852" data-id="3903852" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-0eb4b41 elementor-widget elementor-widget-global elementor-global-7981 elementor-widget-heading" data-id="0eb4b41" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-default"><a href="https://g.page/r/CaUlvgKsZeoBEB0/review" target="_blank">Google Reviews - See More</a></h5> </div> </div> <div class="elementor-element elementor-element-f04e68d elementor-widget elementor-widget-html" data-id="f04e68d" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <div class="elfsight-app-c4b3e3d9-fee0-4f09-9171-2d846caba232"></div> <div class="elfsight-app-1b08c970-2e04-438d-908a-3ad6eb7848fa"></div> </div> </div> <div class="elementor-element elementor-element-579cae4 elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="579cae4" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-5e650003 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5e650003" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3c0a4ebb" data-id="3c0a4ebb" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-72132d1 elementor-widget elementor-widget-image" data-id="72132d1" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> <div class="elementor-element elementor-element-1e7943f1 elementor-widget elementor-widget-heading" data-id="1e7943f1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links</h3> </div> </div> <div class="elementor-element elementor-element-842d98f footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="842d98f" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/self-employed-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Self Employed Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/private-medical-insurance/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Private Medical Insurance</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/first-time-buyers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">First Time Buyers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teacher Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/buy-to-let/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Buy To Let</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/remortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Remortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/jbsp-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Joint Borrower Sole Proprietor</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/new-forest-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">New Forest Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/land-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Land Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/barn-conversion-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Barn Conversion Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/cis-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">CIS Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/professional-mortgage/student-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Student Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/professional-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Professional Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/fixed-term-contract-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Fixed Term Contract Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/million-pound-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Million Pound Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/minimum-credit-score-for-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Minimum Credit Score for Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/equity-release/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Equity Release</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/mortgage-based-on-maintenance-payments/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Maintenance Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/getting-a-mortgage-on-benefits/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages on Benefits</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/retirement-interest-only-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Retirement interest only</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/pensioner-interest-only-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Pensioner interest only</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-11a4ad79 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="11a4ad79" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ecba865" data-id="7ecba865" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3367d41f elementor-widget elementor-widget-heading" data-id="3367d41f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-673afcea elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="673afcea" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted & stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> </div> ', keyword) > 0 UNION ALL SELECT * FROM wp_auto_internal_links WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="8383" class="elementor elementor-8383" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column" id="top"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Getting A Mortgage On Benefits</h1> </div> </div> <div class="elementor-element elementor-element-c663e35 elementor-widget elementor-widget-text-editor" data-id="c663e35" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Getting a Mortgage on benefits may seem impossible but it can be done! We answer all your questions in our feature length guide.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4f88d6d" data-id="4f88d6d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-57826f3 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="57826f3" data-element_type="widget" data-settings="{"step_next_label":"Next","step_previous_label":"Previous","button_width":"100","step_type":"number_text","step_icon_shape":"circle"}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="8383"/> <input type="hidden" name="form_id" value="57826f3"/> <input type="hidden" name="referer_title" value="Getting A Mortgage On Benefits 🏡 Borrow up to 5x your income!" /> <input type="hidden" name="queried_id" value="8383"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-a9137bb elementor-widget elementor-widget-global elementor-global-214 elementor-widget-text-editor" data-id="a9137bb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-8ad2549 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="8ad2549" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a3a3775" data-id="a3a3775" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-454aa75 heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="454aa75" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Is Getting A Mortgage On Benefits Possible?</span></h2><p><span style="font-weight: 400;">Getting a mortgage on benefits is possible, it will largely depend on the lender whether they accept benefits. Some lenders definitely accept 100% of benefits, whereas some may only accept half of them, or even none of them.</span></p><p><span style="font-weight: 400;">However, if you are on benefits and would like to get a mortgage you should work on the assumption that someone may take all of them. Speak to a specialist mortgage advisor to see exactly how much you can borrow.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eecad98" data-id="eecad98" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a9ba2ae elementor-widget elementor-widget-image" data-id="a9ba2ae" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="531" src="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-1024x680.jpg" class="attachment-large size-large wp-image-1133" alt="Shared Ownership Mortgage Bad Credit" srcset="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-1024x680.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-300x199.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-768x510.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-1536x1020.jpg 1536w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-scott-webb-1029599-scaled-1-2048x1360.jpg 2048w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-b3250c1 elementor-widget elementor-widget-text-editor" data-id="b3250c1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Is Getting A Mortgage On Benefits With Bad Credit likely?</span></h2><p><span style="font-weight: 400;">Whilst bad credit reduces your options for lenders, getting a mortgage on benefits with bad credit may still be possible as some lenders view bad credit differently.</span></p><p><span style="font-weight: 400;">If you have bad credit you should follow a few simple steps in order to find out your options:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Get a credit report – We recommend <a href="https://www.checkmyfile.com/?ref=albionforest&cbap=1" target="_blank" rel="noopener">checkmyfile</a>, but use whichever works best for you.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Speak to a specialist – A mortgage broker will be able to give you an idea of which lenders are best for your situation.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Get a mortgage in principle – These usually involve a credit check, so should give you confidence in your ability to get a mortgage with the recommended lender.</span></li></ul><p><span style="font-weight: 400;">Getting a mortgage on benefits with bad credit may seem impossible, but you may have options.</span></p> </div> </div> <div class="elementor-element elementor-element-12caba3 elementor-widget elementor-widget-video" data-id="12caba3" data-element_type="widget" data-settings="{"youtube_url":"https:\/\/youtu.be\/HtSjRhc9BrA","video_type":"youtube","controls":"yes"}" data-widget_type="video.default"> <div class="elementor-widget-container"> <div class="elementor-wrapper elementor-open-inline"> <div class="elementor-video"></div> </div> </div> </div> <div class="elementor-element elementor-element-8274db0 elementor-widget elementor-widget-text-editor" data-id="8274db0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Do You Get Mortgages For People On Benefits?</span></h2><p><span style="font-weight: 400;">Whilst there are generally not specific mortgages for people on benefits you will get lenders or even products that are more preferable for people on benefits.</span></p><p><span style="font-weight: 400;">Benefits range from things such as Child Benefit, to Universal credit and Disability Living Allowance (DLA) and generally some lenders will consider all of them, even things such as jobseekers allowance.</span></p><h2><span style="font-weight: 400;">Can Universal Credit Be Used For Mortgage?</span></h2><p><span style="font-weight: 400;">With the recent changes to the Universal Credit system there are many different benefits rolled into this one header. Getting a Universal Credit Mortgage is definitely possible, and some lenders may even take 100% of it as income. If you are using our affordability calculator you can enter your benefit income as part of your income for affordability.</span></p><p><span style="font-weight: 400;">As some lenders use all of your benefit income this should give you an estimation of how much you can borrow.</span></p><p><span style="font-weight: 400;">However, if you need an accurate idea of how much you can borrow we recommend speaking to a specialist mortgage broker.</span></p><h2><span style="font-weight: 400;">Can You Get A Mortgage With PIP?</span></h2><p><span style="font-weight: 400;">Personal independence payments can also be used toward mortgage affordability. Some lenders will allow you to use 100% of your Personal independence payments (PIP) toward your affordability.</span></p><p><span style="font-weight: 400;">As many on Personal independence payments may not be able to work, it makes sense that you should be able to use it as income toward your mortgage.</span></p> </div> </div> <div class="elementor-element elementor-element-d993d6d elementor-align-center elementor-widget elementor-widget-global elementor-global-572 elementor-widget-button" data-id="d993d6d" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-lg" href="https://albionforest.co.uk/contact/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">LETS GET STARTED</span> </span> </a> </div> </div> </div> <div class="elementor-element elementor-element-69c2823 elementor-widget elementor-widget-text-editor" data-id="69c2823" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Can I Use Housing Benefit To Buy A House</span></h2><p><span style="font-weight: 400;">Housing benefit can be used to buy a house as long as you can show that the income will continue upon completion of the mortgage.</span></p><p><span style="font-weight: 400;">Generally Housing benefit is meant to help people that are renting, so you will need to be able to show that you will still receive Housing benefit once you move in. This is common for people buying on the shared ownership scheme as they still have a rental element upon completion and may still receive housing benefit.</span></p><h2><span style="font-weight: 400;">How Can I Buy A House On Benefits?</span></h2><p><span style="font-weight: 400;">Buying a house on benefits should be quite simple and straightforward.</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Speak to a mortgage advisor to find out how much you can borrow</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Get a mortgage in principle from a lender</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Make an offer on a property</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Submit a full mortgage application.</span></li></ul><p><span style="font-weight: 400;">The only difference will generally be that getting a mortgage on benefits limits which lenders you are able to use. Many will not take benefits, and many more will not take 100% of your benefits income. However, some will consider taking all of it, as long as it is sustainable.</span></p><h2><span style="font-weight: 400;">Can I Get A DLA Mortgage?</span></h2><p><span style="font-weight: 400;">Disability Living Allowance or DLA has <a href="https://www.gov.uk/dla-disability-living-allowance-benefit" target="_blank" rel="noopener">recently changed</a> to PIP or personal independence payments. However, many still refer to them as DLA. You can generally get a DLA mortgage as long as the benefits are sustainable.</span></p><p><span style="font-weight: 400;">Many lenders will accept 100% of disability living allowance or personal independence payments. For many disability living allowance or Personal independence payments are a long term benefit as they are unable to work. This means that they are relatively secure for a lender.</span></p><h2><span style="font-weight: 400;">Can I Get Shared Ownership On Universal Credit</span></h2><p><span style="font-weight: 400;">Many people that apply for the <a href="https://albionforest.co.uk/mortgage-advisor-for-shared-ownership/">shared ownership</a> scheme may be receiving benefits of some kind. This is quite common and many lenders will allow you to use Universal credit toward affordability on a shared ownership mortgage.</span></p><p><span style="font-weight: 400;">If you are considering getting shared ownership on universal credit you can expect to go through several stages:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Speak to a specialist mortgage advisor to check your affordability</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Get a mortgage in principle</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Find a property and have your financial assessment by the housing association</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Submit a full mortgage application.</span></li></ul><h2><span style="font-weight: 400;">How Do Benefits Affect A Mortgage Application?</span></h2><table><tbody><tr><td><h3><span style="font-weight: 400;">Pros</span></h3></td><td><h3><span style="font-weight: 400;">Cons</span></h3></td></tr><tr><td><p><span style="font-weight: 400;">Benefits may increase the amount you can borrow compared to just using income</span></p></td><td><p><span style="font-weight: 400;">Many lenders won’t accept benefits.</span></p></td></tr><tr><td><p><span style="font-weight: 400;">If you have a low income, but are receiving benefits this can boost how much</span></p></td><td><p><span style="font-weight: 400;">Some underwriters may view it negatively if you are dependent on benefits</span></p></td></tr><tr><td><p><span style="font-weight: 400;">Benefits can be used with Schemes such as First homes, deposit unlock and Shared ownership</span></p></td><td><p><span style="font-weight: 400;">Lenders that do accept benefits may not count 100% of them towards affordability</span></p></td></tr><tr><td><p><span style="font-weight: 400;">You may be able to use childrens benefit toward your affordability.</span></p></td><td><p><span style="font-weight: 400;">Lenders may scrutinise your case further if you are on benefits.</span></p></td></tr></tbody></table><h2><span style="font-weight: 400;">What Benefits Can Be Used For A Mortgage?</span></h2><p><span style="font-weight: 400;">Different lenders may accept different benefits. Some may accept </span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Attendance Allowance</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Carers Allowance</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Child Benefit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Child Tax Credit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Disability Living Allowance (DLA)</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Housing Benefit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Incapacity Benefit (IB)</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Industrial Injuries Benefit (IIB)</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Maternity Pay</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Pension Credits</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Personal Independence Payment</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Severe Disablement Allowance</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Universal Credit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Widow’s Pensions</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Working Tax Credit</span></li></ul><p><span style="font-weight: 400;">However, whilst this list shows many of the benefits that can be accepted, they may not be accepted by all lenders. You should speak to your bank, building society or mortgage advisor to find out which benefits you can use.</span></p><h2><span style="font-weight: 400;">Which Mortgage Lenders Accept Benefits?</span></h2><p><span style="font-weight: 400;">Many lenders accept some benefits, some accept more than others. For example, child benefit is widely accepted by most lenders as long as the children are younger. However, Housing benefit is rarely accepted by lenders as it is usually to help pay rent and may not be received upon completion of a mortgage.</span></p><p><span style="font-weight: 400;">The other thing to consider is how much of a benefit is accepted by certain lenders. They may accept a benefit, but only allow you to use 50% of it toward your affordability. However another lender might take 100% of the same benefit.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-9e76696 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="9e76696" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1347a1a" data-id="1347a1a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-68bfad6 elementor-widget elementor-widget-text-editor" data-id="68bfad6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">How Much Can I Borrow On Benefits?</span></h2><p><span style="font-weight: 400;">This will depend on various factors. To get a rough idea you can add up all your annual benefit income, with other forms of income in your household and use our mortgage calculator at the top of the page.</span></p><p><span style="font-weight: 400;">This will give you a ballpark amount you may be able to get, but we highly recommend speaking to a specialist mortgage advisor to get a more accurate figure.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a282789" data-id="a282789" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-8ccf4be elementor-widget elementor-widget-image" data-id="8ccf4be" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="https://albionforest.co.uk/bad-credit-mortgage-broker/"> <img decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-1024x1024.png" class="attachment-large size-large wp-image-8987" alt="bad credit mortgage broker" srcset="https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2022/11/Purple-Modern-Minimalist-Financial-Tips-Millenials-Instagram-Post.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </a> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-a430a4b elementor-widget elementor-widget-text-editor" data-id="a430a4b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">How Can I Get A Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">There are several ways of getting a mortgage on benefits. You should consider the pros and cons of them all which we will cover here.</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Walk in to your bank or building society and ask to speak to a mortgage advisor</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Speak to a specialist mortgage broker</span></li></ul><p><span style="font-weight: 400;">Your bank or building society may not accept benefits, or if they do, they may not accept 100% of benefits.</span></p><p><span style="font-weight: 400;">A specialist mortgage broker will have access to dozens of lenders and probably thousands of products. This should mean that they can find the best lender for your situation.</span></p><h2><span style="font-weight: 400;">Can I Get A Buy To Let Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">Many Buy to let lenders will accept benefits as income. Generally buy to let mortgages are calculated based on the rent that the property can achieve. Your income is factored in to ensure you can afford to cover the mortgage in the event there is no tenant in the property.</span></p><p><span style="font-weight: 400;">This therefore means that many lenders don’t mind if you are on benefits when getting a buy to let mortgage, as the rent will cover the mortgage itself.</span></p><h2><span style="font-weight: 400;">Can I Get A Mortgage On Jobseeker’s Allowance?</span></h2><p><span style="font-weight: 400;">Whilst many think you can’t get a mortgage whilst on jobseekers allowance (JSA), some lenders do accept jobseekers allowance as income. However, you may find that if you have been on jobseekers allowance long term that you struggle with lenders.</span></p><p><span style="font-weight: 400;">There is also another benefit called Support for mortgage interest that will help homeowners if they find themselves without full time employment.</span></p><h2><span style="font-weight: 400;">Can I Use Child Benefit For A Mortgage?</span></h2><p><span style="font-weight: 400;">Child benefit is widely accepted by lenders while the children are younger. As your entitlement to this is unlikely to change over the short term. Also Child benefit is usually quite a small amount in the grand scheme of your mortgage, however it can make the difference if you need to borrow just a little bit more for that house you want.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-291edeb elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="291edeb" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8c63eae" data-id="8c63eae" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a4cc381 elementor-widget elementor-widget-text-editor" data-id="a4cc381" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Is There A Mortgage Calculator On Benefits?</span></h2><p><span style="font-weight: 400;">Our <a href="https://albionforest.co.uk/mortgage-calculator/">mortgage calculator</a> can give you an idea of how much you may be able to borrow whilst on benefits. You just need to add your income together with your benefits and then enter that as your income figure for our calculator.</span></p><p><span style="font-weight: 400;">Our mortgage calculator doesn’t require any personal details so you can use it without us calling you as well.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4715445" data-id="4715445" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2ec4ea9 elementor-widget elementor-widget-image" data-id="2ec4ea9" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <a href="https://albionforest.co.uk/mortgage-calculator/"> <img loading="lazy" decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-1024x1024.png" class="attachment-large size-large wp-image-7434" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2020/05/Teal-Calculator-Tax-Day-Social-Media-Graphic.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </a> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-a636281 elementor-widget elementor-widget-text-editor" data-id="a636281" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Is There A Universal Credit Mortgage?</span></h2><p><span style="font-weight: 400;">Universal credit is a complicated benefit, as it covers many areas. As such many lenders do not accept Universal credit for a mortgage.</span></p><p><span style="font-weight: 400;">However, some lenders will take universal credit as it comes, and some will want to see a statement to see what the different aspects comprise the universal credit.</span></p><p><span style="font-weight: 400;">If you are on Universal credit and want to use it toward a mortgage we highly recommend speaking to a professional that can tell you which parts can be used for a mortgage.</span></p><h2><span style="font-weight: 400;">What Documents Will I need While Getting A Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">The documents required for a mortgage whilst on benefits are likely to be similar to any other mortgage, however, you may also need a statement for some benefits such as Universal credit.</span></p><p><span style="font-weight: 400;">The other documents you may need are:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Bank statements</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of deposit</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Payslips or Self employed tax returns</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of ID</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of address</span></li></ul> </div> </div> <div class="elementor-element elementor-element-75c9b00 elementor-align-center elementor-widget elementor-widget-global elementor-global-7125 elementor-widget-button" data-id="75c9b00" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://albionforest.co.uk/contact/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Get in touch</span> </span> </a> </div> </div> </div> <div class="elementor-element elementor-element-1c1a0d4 elementor-widget elementor-widget-text-editor" data-id="1c1a0d4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">How Much Deposit Do I Need While Getting A Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">With <a href="https://albionforest.co.uk/how-much-deposit-for-mortgage/">deposit</a> more is always better. However, you may be able to get a mortgage on benefits with as little as 5% deposit, or if you are looking at shared ownership, it’s possible with even less deposit than that.</span></p><p><span style="font-weight: 400;">It is also worth noting that in general you can expect a lower rate of interest if you have a larger deposit. So it is worth saving a little bit more if you can.</span></p><p><span style="font-weight: 400;">You can also use a gifted deposit whilst getting a mortgage on benefits, for this you will usually need a signed gifted deposit form and proof of funds from the person giving you the deposit.</span></p><h2><span style="font-weight: 400;">My Only Income is From Universal Credit</span></h2><p><span style="font-weight: 400;">Whilst most lenders want to see an income of some sort in order to use benefits to get a mortgage, you may still be able to get a mortgage with just Universal credit income. This can be incredibly difficult though, and we highly recommend speaking to a mortgage broker if you want to do so.</span></p><h2><span style="font-weight: 400;">Can I Use Maintenance Payments While Getting A Mortgage On Benefits?</span></h2><p><span style="font-weight: 400;">You may be able to use <a href="https://albionforest.co.uk/mortgage-based-on-maintenance-payments/">Maintenance payments</a> as well as benefits while getting a mortgage on benefits. This can add to your affordability and increase the amount you can borrow considerably.</span></p><p><span style="font-weight: 400;">Generally lenders will either require 3 months bank statements showing the maintenance payments, or a letter from the courts showing that it is court ordered, or possibly both.</span></p><h3><span style="font-weight: 400;">Got A Question About Getting A Mortgage On Benefits That We Haven’t Answered? Get In Touch!</span></h3> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6077b6f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6077b6f" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b57f691" data-id="b57f691" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-74f1420 elementor-widget elementor-widget-global elementor-global-8112 elementor-widget-text-editor" data-id="74f1420" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>A mortgage article by Mark Robinson – Mortgage & Equity Release Broker</p> </div> </div> <div class="elementor-element elementor-element-b895f77 elementor-widget elementor-widget-global elementor-global-8109 elementor-widget-image" data-id="b895f77" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-1024x1024.png" class="attachment-large size-large wp-image-8080" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a383d15" data-id="a383d15" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="132" class="elementor elementor-132" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-98897c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="98897c6" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3903852" data-id="3903852" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-0eb4b41 elementor-widget elementor-widget-global elementor-global-7981 elementor-widget-heading" data-id="0eb4b41" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-default"><a href="https://g.page/r/CaUlvgKsZeoBEB0/review" target="_blank">Google Reviews - See More</a></h5> </div> </div> <div class="elementor-element elementor-element-f04e68d elementor-widget elementor-widget-html" data-id="f04e68d" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <div class="elfsight-app-c4b3e3d9-fee0-4f09-9171-2d846caba232"></div> <div class="elfsight-app-1b08c970-2e04-438d-908a-3ad6eb7848fa"></div> </div> </div> <div class="elementor-element elementor-element-579cae4 elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="579cae4" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-5e650003 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5e650003" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3c0a4ebb" data-id="3c0a4ebb" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-72132d1 elementor-widget elementor-widget-image" data-id="72132d1" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> <div class="elementor-element elementor-element-1e7943f1 elementor-widget elementor-widget-heading" data-id="1e7943f1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links</h3> </div> </div> <div class="elementor-element elementor-element-842d98f footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="842d98f" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/self-employed-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Self Employed Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/private-medical-insurance/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Private Medical Insurance</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/first-time-buyers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">First Time Buyers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teacher Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/buy-to-let/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Buy To Let</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/remortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Remortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/jbsp-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Joint Borrower Sole Proprietor</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/new-forest-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">New Forest Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/land-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Land Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/barn-conversion-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Barn Conversion Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/cis-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">CIS Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/professional-mortgage/student-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Student Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/professional-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Professional Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/fixed-term-contract-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Fixed Term Contract Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/million-pound-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Million Pound Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/minimum-credit-score-for-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Minimum Credit Score for Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/equity-release/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Equity Release</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/mortgage-based-on-maintenance-payments/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Maintenance Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/getting-a-mortgage-on-benefits/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages on Benefits</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/retirement-interest-only-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Retirement interest only</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/pensioner-interest-only-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Pensioner interest only</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-11a4ad79 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="11a4ad79" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ecba865" data-id="7ecba865" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3367d41f elementor-widget elementor-widget-heading" data-id="3367d41f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-673afcea elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="673afcea" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i 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Getting A Mortgage On Benefits

Getting a Mortgage on benefits may seem impossible but it can be done! We answer all your questions in our feature length guide.

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements

Is Getting A Mortgage On Benefits Possible?

Getting a mortgage on benefits is possible, it will largely depend on the lender whether they accept benefits. Some lenders definitely accept 100% of benefits, whereas some may only accept half of them, or even none of them.

However, if you are on benefits and would like to get a mortgage you should work on the assumption that someone may take all of them. Speak to a specialist mortgage advisor to see exactly how much you can borrow.

Is Getting A Mortgage On Benefits With Bad Credit likely?

Whilst bad credit reduces your options for lenders, getting a mortgage on benefits with bad credit may still be possible as some lenders view bad credit differently.

If you have bad credit you should follow a few simple steps in order to find out your options:

Get a credit report – We recommend checkmyfile, but use whichever works best for you.
Speak to a specialist – A mortgage broker will be able to give you an idea of which lenders are best for your situation.
Get a mortgage in principle – These usually involve a credit check, so should give you confidence in your ability to get a mortgage with the recommended lender.

Getting a mortgage on benefits with bad credit may seem impossible, but you may have options.

Do You Get Mortgages For People On Benefits?

Whilst there are generally not specific mortgages for people on benefits you will get lenders or even products that are more preferable for people on benefits.

Benefits range from things such as Child Benefit, to Universal credit and Disability Living Allowance (DLA) and generally some lenders will consider all of them, even things such as jobseekers allowance.

Can Universal Credit Be Used For Mortgage?

With the recent changes to the Universal Credit system there are many different benefits rolled into this one header. Getting a Universal Credit Mortgage is definitely possible, and some lenders may even take 100% of it as income. If you are using our affordability calculator you can enter your benefit income as part of your income for affordability.

As some lenders use all of your benefit income this should give you an estimation of how much you can borrow.

However, if you need an accurate idea of how much you can borrow we recommend speaking to a specialist mortgage broker.

Can You Get A Mortgage With PIP?

Personal independence payments can also be used toward mortgage affordability. Some lenders will allow you to use 100% of your Personal independence payments (PIP) toward your affordability.

As many on Personal independence payments may not be able to work, it makes sense that you should be able to use it as income toward your mortgage.

Can I Use Housing Benefit To Buy A House

Housing benefit can be used to buy a house as long as you can show that the income will continue upon completion of the mortgage.

Generally Housing benefit is meant to help people that are renting, so you will need to be able to show that you will still receive Housing benefit once you move in. This is common for people buying on the shared ownership scheme as they still have a rental element upon completion and may still receive housing benefit.

How Can I Buy A House On Benefits?

Buying a house on benefits should be quite simple and straightforward.

Speak to a mortgage advisor to find out how much you can borrow
Get a mortgage in principle from a lender
Make an offer on a property
Submit a full mortgage application.

The only difference will generally be that getting a mortgage on benefits limits which lenders you are able to use. Many will not take benefits, and many more will not take 100% of your benefits income. However, some will consider taking all of it, as long as it is sustainable.

Can I Get A DLA Mortgage?

Disability Living Allowance or DLA has recently changed to PIP or personal independence payments. However, many still refer to them as DLA. You can generally get a DLA mortgage as long as the benefits are sustainable.

Many lenders will accept 100% of disability living allowance or personal independence payments. For many disability living allowance or Personal independence payments are a long term benefit as they are unable to work. This means that they are relatively secure for a lender.

Can I Get Shared Ownership On Universal Credit

Many people that apply for the shared ownership scheme may be receiving benefits of some kind. This is quite common and many lenders will allow you to use Universal credit toward affordability on a shared ownership mortgage.

If you are considering getting shared ownership on universal credit you can expect to go through several stages:

Speak to a specialist mortgage advisor to check your affordability
Get a mortgage in principle
Find a property and have your financial assessment by the housing association
Submit a full mortgage application.

How Do Benefits Affect A Mortgage Application?

Pros	Cons
Benefits may increase the amount you can borrow compared to just using income	Many lenders won’t accept benefits.
If you have a low income, but are receiving benefits this can boost how much	Some underwriters may view it negatively if you are dependent on benefits
Benefits can be used with Schemes such as First homes, deposit unlock and Shared ownership	Lenders that do accept benefits may not count 100% of them towards affordability
You may be able to use childrens benefit toward your affordability.	Lenders may scrutinise your case further if you are on benefits.

What Benefits Can Be Used For A Mortgage?

Different lenders may accept different benefits. Some may accept

Attendance Allowance
Carers Allowance
Child Benefit
Child Tax Credit
Disability Living Allowance (DLA)
Housing Benefit
Incapacity Benefit (IB)
Industrial Injuries Benefit (IIB)
Maternity Pay
Pension Credits
Personal Independence Payment
Severe Disablement Allowance
Universal Credit
Widow’s Pensions
Working Tax Credit

However, whilst this list shows many of the benefits that can be accepted, they may not be accepted by all lenders. You should speak to your bank, building society or mortgage advisor to find out which benefits you can use.

Which Mortgage Lenders Accept Benefits?

Many lenders accept some benefits, some accept more than others. For example, child benefit is widely accepted by most lenders as long as the children are younger. However, Housing benefit is rarely accepted by lenders as it is usually to help pay rent and may not be received upon completion of a mortgage.

The other thing to consider is how much of a benefit is accepted by certain lenders. They may accept a benefit, but only allow you to use 50% of it toward your affordability. However another lender might take 100% of the same benefit.

How Much Can I Borrow On Benefits?

This will depend on various factors. To get a rough idea you can add up all your annual benefit income, with other forms of income in your household and use our mortgage calculator at the top of the page.

This will give you a ballpark amount you may be able to get, but we highly recommend speaking to a specialist mortgage advisor to get a more accurate figure.

How Can I Get A Mortgage On Benefits?

There are several ways of getting a mortgage on benefits. You should consider the pros and cons of them all which we will cover here.

Walk in to your bank or building society and ask to speak to a mortgage advisor
Speak to a specialist mortgage broker

Your bank or building society may not accept benefits, or if they do, they may not accept 100% of benefits.

A specialist mortgage broker will have access to dozens of lenders and probably thousands of products. This should mean that they can find the best lender for your situation.

Can I Get A Buy To Let Mortgage On Benefits?

Many Buy to let lenders will accept benefits as income. Generally buy to let mortgages are calculated based on the rent that the property can achieve. Your income is factored in to ensure you can afford to cover the mortgage in the event there is no tenant in the property.

This therefore means that many lenders don’t mind if you are on benefits when getting a buy to let mortgage, as the rent will cover the mortgage itself.

Can I Get A Mortgage On Jobseeker’s Allowance?

Whilst many think you can’t get a mortgage whilst on jobseekers allowance (JSA), some lenders do accept jobseekers allowance as income. However, you may find that if you have been on jobseekers allowance long term that you struggle with lenders.

There is also another benefit called Support for mortgage interest that will help homeowners if they find themselves without full time employment.

Can I Use Child Benefit For A Mortgage?

Child benefit is widely accepted by lenders while the children are younger. As your entitlement to this is unlikely to change over the short term. Also Child benefit is usually quite a small amount in the grand scheme of your mortgage, however it can make the difference if you need to borrow just a little bit more for that house you want.

Is There A Mortgage Calculator On Benefits?

Our mortgage calculator can give you an idea of how much you may be able to borrow whilst on benefits. You just need to add your income together with your benefits and then enter that as your income figure for our calculator.

Our mortgage calculator doesn’t require any personal details so you can use it without us calling you as well.

Is There A Universal Credit Mortgage?

Universal credit is a complicated benefit, as it covers many areas. As such many lenders do not accept Universal credit for a mortgage.

However, some lenders will take universal credit as it comes, and some will want to see a statement to see what the different aspects comprise the universal credit.

If you are on Universal credit and want to use it toward a mortgage we highly recommend speaking to a professional that can tell you which parts can be used for a mortgage.

What Documents Will I need While Getting A Mortgage On Benefits?

The documents required for a mortgage whilst on benefits are likely to be similar to any other mortgage, however, you may also need a statement for some benefits such as Universal credit.

The other documents you may need are:

Bank statements
Proof of deposit
Payslips or Self employed tax returns
Proof of ID
Proof of address

How Much Deposit Do I Need While Getting A Mortgage On Benefits?

With deposit more is always better. However, you may be able to get a mortgage on benefits with as little as 5% deposit, or if you are looking at shared ownership, it’s possible with even less deposit than that.

It is also worth noting that in general you can expect a lower rate of interest if you have a larger deposit. So it is worth saving a little bit more if you can.

You can also use a gifted deposit whilst getting a mortgage on benefits, for this you will usually need a signed gifted deposit form and proof of funds from the person giving you the deposit.

My Only Income is From Universal Credit

Whilst most lenders want to see an income of some sort in order to use benefits to get a mortgage, you may still be able to get a mortgage with just Universal credit income. This can be incredibly difficult though, and we highly recommend speaking to a mortgage broker if you want to do so.

Can I Use Maintenance Payments While Getting A Mortgage On Benefits?

You may be able to use Maintenance payments as well as benefits while getting a mortgage on benefits. This can add to your affordability and increase the amount you can borrow considerably.

Generally lenders will either require 3 months bank statements showing the maintenance payments, or a letter from the courts showing that it is court ordered, or possibly both.

Your home may be repossessed if you do not keep up repayments on your mortgage. Buy to let mortgages are not regulated by the Financial conduct authority

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