AIBU to feel stuck being 'homeless'?

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I recently left an abusive relationship and moved in with my parents. I have 1 dc (18 months) but now have to move out. I work part time and live in the South.

My problem is I can't find a place to rent due to low income. I can't buy as everything is unaffordable. I am not entitled to any benefits due to savings (though I can't even afford a 1 bed flat). I can't move tok far away as rely on my parents for the free childcare (she can only do a few days a week). Can't increase working hours as have to wait a year to apply for another flexible working request. Can't quit work as came back of Mat Leave and have to stay in job for a year or pay back Mat leave pay. Can't find another part time job as can't afford childcare.

How do I find a place to live for me and DC? I'm still coping with the fall out from leaving abuse but need to get my act together and find a home.

Any advice welcome!

If your parents write a letter stating to your local housing department stating that you and baby will be evicted on x date, as they no longer want you there, the council will have to assist.

However, it may be a hotel room to start with. You’d need to accept it, even if you went to your parent's house for meals, so that you can cook.

It’s the first step on the rehousing road.

You might have to accept a hotel room/hostel type accommodation before you get rehoused.

That's what I did before I got my housing association flat. I also left an abusive relationship but I couldn't stay with parents so I had to go to a refuge and temporary accommodation. I was in there for around 6 months before getting a flat.

If you factored in CMS and any UC could you buy a small place?
Brokers can often find a mortgage when High St banks cannot.
I'm not suggesting that you put yourself in a precarious position and get something unaffordable, but it would be a shame to whittle away your cash reserves.

They won't take CMS into account, it's not guaranteed income. Very rarely they'll take UC either.

You need to accept the hotel room from the council and then you will be prioritised for social housing later.

It's not ideal but it's how it works. Beggars can't be choosers and all that and it's just temporary your child will never remember. Perhaps you could go back to your parents for meals or might be allowed a small fridge freezer for food.

Alternatively you move to a smaller place in a cheaper area and buy a small flat or house there with your savings, you'll then be eligible for UC and fairly significant help towards childcare instead of using your parent. You can buy a fairly nice flat for £80k where I live on the east coast.

Agree you have to accept the hotel room. You can still plug in a blender and make babies meals or buy pouches

It's the only way you'll get permanent, safe accommodation quickly

Beezknees and anyone it might help
Times money mentor site shows which banks take CMS into account and the criterior. Obviously this changes, and I don't know how old the table is.
OP probably does not want to disclose personal info, but worth a look.

I don't think it's a good idea to rely on CMS to pay a mortgage though as men can just stop paying it with seemingly no repercussions.

With UC she wouldn't be able to save up for a deposit anyway while claiming as you can't claim it when you have more than £16k in the bank.

No, not good to rely on CMS, but it may work for some people to get them over the line.

Just wondering how things worked out for you? I hope you were able to get back on your feet. 💐

You have over 16k in savings ? Use that to support yourself and to pay rent and when it's under 16k you can claim UC to help with rent/ childcare costs etc.

I wonder if you could read the OP’s messages?