How will I survive financially?!

[Moomin88]

Long time mumsnetter.
3 kids, one from previous relationship and was a single parent for many years with her.
unfortunately I don’t seem to pick them well and after 2 more children with partner of 6 years I feel that things are never going to get better with him. I’ve been deeply unhappy for a long time and he has been a huge disappointment since having kids.
I feel more certain than ever that I want to leave him but this time I feel trapped due to finances.
we now own our own home so I’m presuming I wouldn’t qualify for much with benefits? I couldn’t afford our mortgage alone, but even in rented I would struggle yet because I’d have a big lump from house sale (not enough to buy a new house though) I wouldn’t get any help paying the rent?!
how on earth do people manage in this situation?

If a house is on the market to be sold you could claim help with rent from Universal credit but then if the equity that you got from the house sale was more than 16k you would just need to live off that until it had dropped below 16k again. Or perhaps looked at shared ownership property if you could afford that on your salary.
You could also of course claim child maintenance from the two dads.

@Minty25 thank you , the equity would definitely be over £16k. I’d never be accepted for a mortgage again on my salary slone, it seems like such a waste to just burn it away on rent and not have the security of our own home, for now and my children’s future too 😢

https://petition.parliament.uk/petitions/751159 maybe have a look at my petition OP.

I hear what your saying but the bigger picture is your happiness! Lives far too short to stay unhappy!! Many, many people rent a house rather than buy thats just the way things are.
Is there no way you can buya house and hsve a mortgage with the lump sum?

I am considering doing this. They do standard shared ownership, but also a scheme for people with a deposit who want to buy a normal second hand home. it’s quite interesting.

https://heylohousing.com/your-home

The situation seems to be that you would have a lump sum of money that you don't want to spend. It sucks that your lifestyle will be impacted, but it's right that benefits aren't paid to people who have a bunch of cash in the bank. Are you full time at work and if not, can you up the hours? Part rent part buy is also a good suggestion from pp. I believe you can claim housing benefit for the rent part and then you would still keep the capital for the buy part.

I was in your position. I purchased a shared ownership home, can cover the mortgage on my small salary and UC cover the rent aspect