Will support for mortgage payments stop if I work?

[mumofone100]

Hello,

I'm on universal credit and would like to work at the weekends when Dad has daughter.

Problem is citizens advice say that if I work I will not receive my support for mortgage payments which means I would be losing money if I worked which seems mad.
I actually want to work to keep me occupied whilst daughter away but worry that this would not be the best solution as we are scraping as it is.

Are thy giving me the correct information as I can't get through to universal credits helpline or find a number for support for mortgage to give me an answer.

Anybody know if I work at all will this stop my SMI payments?

Hiya, id probably not call UC direct as they are supposed to be very strict - there is a UC calculator online which I’m sure could help you. Just base it on the amount of hrs you’d like to do and base it on minimal wage to get some kind of idea

They will deduct anything you earn over £198 per month by 63p for every £1. The work allowance in your case if your not getting the housing element could be £409, so you could earn this before they deduct anything. Are the SMI payments called housing element on your statement?

Yes the SMI is housing on my statement.

I'm just worried because this part is worth more money than I could earn at weekends so wouldn't be worth losing.

But I want to work, just doesn't make sense they would take the total SMI payments away if I work? Is that what would happen.

Interesting about the money I can earn up to though to not effect the other UC amounts. thank you

If you earn less than £198 a month they won't take anything away. As you get help with housing the £198 is how much you can earn before they take it into account for your UC award.

The SMI payments will be treated the same as any other part of your UC.

Okay I hadn't updated myself on the mortgage support payments. Are you aware it is a loan?

Just as LG123 says, your mortgage support is a loan that you’d need to repay from your equity if you sell. Even if you’re not any better off now, it might be worth it to avoid losing equity in the future. Plus if you enjoy the work, even better :)

Now that it's a loan I am not sure if you can earn 198 or 409 before earnings are taken into account for your UC but so long as you are claiming and recieving UC you will still qualify and receive the loan payments.

I'm afraid SMI has already stopped, the government are phasing it out so you will lose it eventually. My daughter has lost hers and she's seriously ill at the moment and unable to work. If it wasn't for me helping her out she'd be in danger of losing her house
The irony is, if she was renting she'd get far more than that in housing benefit!

Yes I understand it is a loan and for the interest part of your property. But such a massive help and I may never sell my property.

Every time I do the turn2us calculator it knocks off the SMI element if I work 1 hour per week even.
Just find that hard to believe. I have interviews lined up for weekend work, do I have to cancel them then!

@mumofone100 as far as I can tell when reading up on it, it's a loan that to be eligible for you need to be claiming benefits so as long as your still claiming Universal Credit which if you only work weekends (unless super well paid) you will still be getting it. Therefore eligible and shouldn't be affected.

On UC any SMI payments will stop when you have ANY earnings it could be £1 it could be £500 it doesn't matter as soon as earnings are received it stops.

Thanks guys but very mixed massages here. Still unclear
Are you receiving SMI and know that if you earn ANY income it stops?

I am and will continue to be receiving universal credit as won't be earning enough for that to stop