Benefits Mortgages
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What is a Benefits Mortgage?
A Benefits Mortgage is for people not working and claiming benefits. This is classed by lenders as an income which could be either partly or mainly made up of benefits and shouldn't stop you from getting a mortgage, but it can make it more difficult. Some lenders are more likely than others to accept benefits as income when doing their affordability checks. This includes disability-related payments.
Please see below a list of benefits considered by lenders:
- Attendance Allowance
- Carers Allowance
- Child Benefit
- Disability Living Allowance (DLA)
- Incapacity Benefit (IB)
- Industrial Injuries Benefit (IIB)
- Maternity Allowance
- Pension Credit
- Severe Disablement Allowance
- Widow's Pension
- Universal Credit
Find out how our panel of Specialist Mortgage Brokers can assist to find the right deal for you.
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