Hi, name changed for this...
Posting for my sister will pass replies on to her.
Basically,
My sister is due her first baby next year, she will have just finished her nursing degree in time for babies arrival. She obviously wants to take a few months off with baby but isn't sure if she would qualify for much. She said she has filled in the online calculators but is getting different results and is confused.
Key details:
Her partner lives with her and earns just under £25k, he basically pays all the bills.
She bought a house earlier this year, she technically owns the house outright, our mother loaned her the money to buy the house and my sister pays her the loan amount back around £450 pound a month. But the house is in my sisters name.
This will be their first baby.
Basically, will she be eligible to claim any money towards paying this loan agreement back to mum? Like she would if mum was her landlord? Does it class as housing costs? I'm really not sure so I said I'd ask on here for her! The agreement is quite informal but there is something written up between them, but I don't know how legal it is or whether it's more a trust agreement.
Also, she said her UC claims come back basically 0-£16 a week (when covid support is over) with child benefit on top.
Is this right to be this little? If her partner is on 24900 per year? No one is claiming any disability etc so a straightforward claim. She will be classed as unemployed. She's worked for years but will have to quit when baby is here. She has never met the tax threshold as only earns about 6k a year. So don't think she's eligible for esa etc...
Please shed some light for us!