Husband earns over 100k. Do we get 15hrs free funding?

[Bermuda1102]

Sorry I know a lot of people have asked this but I’m still confused.

My husband earns over 100k. I earn 30k.
our son will be 2 in Jan 2024, so come April 2024, will we receive 15hrs funding from the government? Then, if we are to have another child (not pregnant yet), by the time other child is born, when they start nursery, they too will get 15hrs?

Someone said you get nothing if one earns over 100k, but I thought EVERYONE gets 15??

it’s so irritating if you compare our situation to parents who both earn 90k each. I know we’re fortunate but with my husbands salary comes higher mortgage payments and we live and work in London.

anyway, I hope someone can answer this for me.

thank you so much

Do you realise a much they out paying in tax each year? They definitely won't be getting any other form of tax break so why shouldn't they??

Seriously OP. If you are entitled to it claim it. You pay a lot of taxes! Even on your perceived high income you could still be struggling to make ends meet for all we know.

Considering "the taxpayer", as in the minority who are actually net contributors, are people like OPs family why shouldn't they claim the little bit they are entitled to?

This with bells on

Yup thankfully you do, although it’s not really free by the time you pay for all the extras but you do save a bit.

Just ignore the haters and take your free funding, you’ve bloody well paid for it.

it’s so irritating if you compare our situation to parents who both earn 90k each.

Comparison is the thief of joy.

Defo claim OP

Some real jealous odd balls on here

Can get the 15 hours when they're 2. But one parent has to be on UC

Everyone gets the 15 hours funding from age 3. It’s not means-tested.

Our nursery sends the forms on our behalf automatically. You just sign an e-form

What aggressive and odd responses from people.

Woah! Higher earners should take responsibility for their choices. Does this apply to lower earners? Should they take responsibility? Howabout retraining and moving away from home to where this more work and high salaries?

This has been enlightening for me. DH is about to tip over £100k and I was under the impression we would loose the 15 hours (hadnt really looked into it yet). Pleasantly surprised to read that we won't.

You get it when your child is 3 years old not 2, so not yet but yes you are entitled under the current rules.

Seriously what planet are you on?

Depends where in UK you are, here in Scotland 30 hours funded childcare is universal. Funded 2s you need to fit certain criteria, income is one but may be disregarded if HV feels child has ASN needs, based on other family circumstances.

Yes you still get 15 free hours. That is universal. You just don’t get the additional 15 hours to make the 30.

You can definitely get 15 hrs funded childcare for 3 year olds, regardless of salary.

I think from April 2024 there are going to be some changes/expansion of free childcare hours, don't think there are any details yet though....and I doubt they will benefit £100k+ earners.
https://www.childcarechoices.gov.uk/upcoming-changes-to-childcare-support/

You say he's TWO in Jan 2024 so no, that isn't the universal hours. That's the hours for low income families .

You will get 15 hours in April 2025 when he is 3.

Thankfully, your mortgage payments are not linked to your husband's salary, you can indeed drop down to a smaller two bed if you need help covering the childcare costs.

Just because you CAN get a high mortgage doesn’t mean you SHOULD.

This is what the government defines as 'working parents' in the gov uk advice for the new funded hours so you wouldn't qualify until your DS turns 3.

'What do you mean when you say free childcare is for ‘working’ parents? Working parents who individually earn more than £8,670 (from April 2023) but less than £100,000 per year are eligible.
If you’re in a couple, the rules apply to both of you, so you must both earn at least £8,670 and neither one of you can earn more than £100,000.'

I earn over £100k and have 2 children in nursery. I would be billed just under £3k every month to nursery and the “15 hours funded” takes off just £150 of that.

Like fuck am I not going to take those funded hours. The jealousy on higher earners on here never fails to astound.

All this “you should take responsibility for your choices” and pay the full bill. How bloody ridiculous. IMAGINE the outrage if posters said that to lower earners - take responsibility for your own children and don’t claim any benefits.

I thought there was a £100k limit? I remember researching it to see if we got free hours as our combined income is about £100k so was worried it was going to take us over the free hours threshold. I think there definitely is a limit for the new hours coming out for 9 months plus.

That's just mean.

Thankfully, your mortgage payments are not linked to your husband's salary, you can indeed drop down to a smaller two bed if you need help covering the childcare costs.

Is your vitriol reserved for her because they are high earners or do you wish that on everyone who has complained about the increase in mortgages? They should downsize to a studio . Or people in 1 bed's should sell up and sleep rough?

Mean, unhelpful and more than a hint of jealousy.

What a sorry state of a country when a household earning over £130k per annum is worried they can't afford more than one child.

This is just clearly how broken this country is...and London especially.

Fwiw I think all children should be entitled to free childcare and education. It is the only way to have a civilised and sustainable society of educated people and parents who can afford to work.

If you earn that much, you don't really need^^ to claim free hours do you?

with my husbands salary comes higher mortgage payments
Not really. You chose the house, you could've brought a cheaper house and borrowed less. But you chose to borrow more.