On benefits - want to buy house

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My boyf has asked me to move in with him

I claim housing benefit and working tax credits currently

He has asked if I wanna come in with him and buy a house with him

IF I do the house he is potentially looking at won't be livable for a little while, for what we can afford
So it will need work done but as he's in the trade it shouldn't take too long

Does anyone know or anyone from can advice me if I can do this ? As I won't be living with him straight away so I will be claiming at my flat until the house is ready to move in
But the plan is I will live there with him just not initially as it will need gutting
He won't even be there as he still lives at home

I don't want to do anything wrong but from what I've tried to goggle it says dwp use credit ref agency checks
Can't find any info on this at all

Thanks peeps

He can buy whatever he likes.

If your name is on the mortgage you can't continue to claim for your rented property as you are registered at a second property.

This has all been said about 3x now

I know that

It hasn't actually

Intact one benefit assessor said quite the opposite

I think I understand what you are asking and the answer is probably no you cannot do this. It depends on how much capital he is putting in to the deposit but if you are jointly on the mortgage it will be considered as your capital so you lose hb entitlement.

It is really hard to get a mortgage and I doubt much will be lent based on your part time working hours so it seems easiest for you to stay separate from the mortgage paperwork for now. Your tax credits would not be counted as income as you won't be entitled to them once you move in.
Let him buy it and do it up and when ready you give notice on your rental and benefits and move out.

After a short period you then agree that if things are working out well then you get married and get added to the house.

You are in quite a vunerable position doing this espeicially if you are giving up a reliable tenancy that you are happy in. Do your research and check it is really what you want to do.

So he buys it, with me
Does it up
Neither of us are living in it
Empty property getting done up
claim and live separate until the house is ready !

No you cannot do this. You cannot claim housing benefit on your existing rental property if you own another property, as your mortgaged home will be classed as your main home and you cannot claim housing benefit to cover your mortgage.

I'm asking can I buy this house with him?! That's not ready to live in atm So he buys it, with me Does it up Neither of us are living in it Empty property getting done up I claim and live separate until the house is ready

But you're not "buying it with him". He has the deposit, he will pay the mortgage, his name on the deeds. HE is buying the house with the intention that at some point in teh future, you might move in with him, into HIS house.

Is there a particular reason he really wants you on the mortgage rather than just himself, has he spoken to you about it?

Thanks leather

Well with my earnings it makes the house calculation more but it's not relevant as he can afford it by himself

Yep I think your right

He initially suggested it as a form of security for me but it's too complicated IF we did split

Thank you xx

Also do you know that if a house is in such a condition that it isn't livable then you are unlikely to get a mortgage on it anyway?

Have a serious think about this OP, IF you did split it's not just you to worry about it's your child too.

I'd rather deal with complications than my child being without a home.

If you have just been using the online calculators to work this stuff out they are not accurate. They give you the BEST possible outcome. It is likely the lenders would lend much less/higher interest etc depending on your circumstances.

I am thinking about my child

But as I say I either live as I am in rented living apart and which my landlord can give 2 months notice at any time as he could ?!

I am thinking long and hard

Even from being on here I def wouldn't consider adding my name on now

He said it as I was talking about security so he suggested I put my name on but he's buying it anyway

It needs re plastering and lick of paint new carpets etc

As he is in a position to do it up before he moves in so he will get a mortgage
It's just an old property that needs tlc that's all

I'm a bit confused, sorry if you've already answered this.

Will you be on the mortgage? If you are, then you won't be able to claim housing benefit while you are doing the house up, even though you aren't living in it, as the house will be classed as an asset.

If you aren't on the mortgage, the you will be able to claim housing benefit as the house isn't in your name and therefore nothing to do with you (on paper).

I believe that is correct, perhaps the housing officer upthread could clarify? It all depends whether the new house is in your name or not.

I'm not saying don't move in.
I'm not saying stay in private housing.

All i'm saying is don't be so blasé about contributing and being named on the mortgage. Yes, it may be complicated but as your boyfriend rightly pointed out it gives you some form of security.

X post.

I'm far from blasé

It's why I've come on here to get some advice

Putting my name on seems to complicate it to much even though he means well

Plus I couldn't do it for my benefits

Maybe let him buy it alone
He said I can move in whenever I feel ready and I guess what ever happens in the future we can sort then

Do you have kids?

Let him buy and then you can move in once it is all finished.

If it's only painting and replastering you could move in immediately rather than wait for it to be fully done up. As long as you have a functioning bathroom and kitchen you should be fine. Most families who buy a property end up living there while doing it up rather than renting somewhere. That way you could go on the deeds as there would be no need for housing benefit once the house is bought.

As he is in a position to do it up before he moves in so he will get a mortgage

But surely he can't do it up until he buys it, and he can't buy it without a mortgage?

But it doesn't sound like it's an unmortgageable (is that a word?) property so probably doesn't matter.

If your name is on the mortgage and your boyfriend defaults you are then liable for the missed payments.

Why cant he move in with you now before/whilst you buy the other house together like mostly every other couple. That way when you lose your hb it will not matter as he will be helping contribute as a partner. Also you get to live together before committing to a joint mortgage, to see if yous are compatible for living together.

I was just going to say that!

He could just leave and you'll be stuck with the payments because you 'own' half on paper.

I think justnowords solution would probably be the most ideal.

That way you get to live together and save up at the same time before committing.

Another thing for you to consider is if you cease your tax credits claim and things go tits up with your boyfriend you'll be going back in under the Universal Credit system. This will inhibit you should you need to leave quickly as find a place as you cannot claim for 5-6 weeks and there are also much stricter rules around earning/upping your hours as your child gets older. Worth looking into to prepare for that if your child is young.