It’s not fair those renting get more universal credit?

[Bigbenbube]

I’m a lone parent on £31k-ish. I’ve worked out if I earn a few more K I Get no more universal credit, but a couple with two kids on £60k combined get £240 a week.

Aibu in thinking cash befits shouldn’t give more to renters

Nothing is fair about who gets what in this world.

I don't understand what that has to do with renting?

When we had a joint income of 60k we definitely didn't get UC!

Yep life's not fair.

im confused. What has this got to do with renting? Your post makes no sense!

I find it crazy - if I was renting, I'd be entitled to nearly £200 a month towards my rent, but because I have mortgage, I'm not in need (same figure put in the calculator by the way). Single parent and every penny counts 🤷🏻‍♀️ Go figure - no wonder rents continue to be extortionate, because the government will help pay towards it.

The only people getting UC on 60k are those with high rent and/ or high childcare costs. The government should focus on building more social housing not lining the pockets of landlords charging huge rents through Universal credit.
People on Uc who have a mortgage get a higher work allowance ( if they have kids), so get significantly more of their earnings disregarded before deductions are taken off their UC.

More UC to renters than who? Do you have a mortgage? Is that what you're saying?

You earn 31k ? Omg i earn half that despite working. I get UC but NEED IT !

That's always been the same, no matter what political party is in. The only advice is if you can't pay your mortgage go interest only for a period of time.

@Bigbenbube could you please explain what your post has to do with the housing benefit element of UC that goes directly to the landlord for rent, and as such has no impact on the allowance amount of a couple vs a single person please.
Ps a couple with a joint income of 60k won't get any UC

That's because a mortgage is paying off an asset that you own. If mortgage payments were covered, the state would effectively be buying you a house.

@Babyroobs
The government should focus on building more social housing not lining the pockets of landlords charging huge rents through Universal credit.

I agree with this.

UC does not go directly to the landlord

You earn quite a bit above minimum wage and damn near the average salary. You should be aiming for self sufficiency with that OP, not totting up what a pay rise would do to your unearned income and wondering whether Steve and Karen down the road are getting a better deal from the taxpayer.

It does in some cases where the claimant is not reliable in paying. A landlord can apply to have it paid directly to them.

But surely we can't be thinking that the taxpayer should be paying off folk's mortgages?

A mortgage is (essentially) a personal loan.
No government could realistically get the Treasury to use taxpayers' money to repay personal loans?

How would that work?

They are paying off landlord's mortgages by paying sometimes a thousand plus rent a month through Universal credit. I'm pretty disgusted that my taxes go to pay that but what alternative is there until they start building more social housing or house prices come down to more affordable levels which is unlikely to happen while the greedy landlords are snapping them up ?

Because mortgage payments go towards ownership and renting doesn’t. If a homeowner needed to, they’d have an asset they can sell (I know it’s not as simple as that in regards to equity) renters don’t. Benefits are not there to help people build assets and wealth, they are there to help people survive.

Yep, and that’s frustrating. They are essentially paying landlords to plug the huge gap in social housing.

Oh I can pay it - I was just messing about on the calculator and I just found it bizarre that for the same monthly income and out goings, paying the exact same amount of rent as my mortgage, I'd be entitled to £200 🤷🏻‍♀️🤷🏻‍♀️ It's bonkers.

I'm not asking them to pay off my mortgage... Was just playing about with the calculator - for the same income and outgoings, if I was renting I'd get £200... Its bonkers how it's worked out.

I don't understand why you think it's bonkers. Until last year when mortgage rates started to rise, many homeowners were paying significantly less in monthly mortgage payments than renters were. And like I pointed out upthread, those with a mortgage get a higher work allowance.

@nadine90

and live where exactly??