Housing advice, Renting with partner? UC & work?

[River018]

Hi so I currently live in social housing and claim universal credit. I already have 1 boy who is 2 but myself and my partner are now thinking about moving in together as we have another one on the way. I'm not sure how it would work as he earns £52000 a year.
Would we be able to rent somewhere part UC rent costs still because I don't work or would it solely rely on on him to be paying?

I doubt you'd be entitled to universal credit on a household income of £52k per year.

Why are you giving up your social housing? It's much better than private renting!

With his income being so high I think you would lose all entitlement and he would be expected to support you.

Here is the benefits calculator

https://www.gov.uk/benefits-calculators

If I was you, I'd get married before you move in with him and before the new baby is born.

Why can't he move in with you (ie into your social housing property)? As Stephen said, it would be better to stay in social housing than to move into private rented. If the location or size is no longer suitable for your family, look into a swap.

£52k/year is a very good salary, does he own any property or have any savings?

As PPs said, when you move in together you will no longer be entitled to UC and he will be expected to support the family financially on his salary. I agree that getting married would be a good idea. People usually live together first, but you're already pregnant, so you've skipped that step anyway - might as well get married!

Can he not move in with you and stop claiming uc?
You probably won’t get anything anyway (and nor should you with his wage) so it would make sense to move in to yours where rent is probably cheaper than private rent.
Where does he live now?

If I was you, I'd get married before you move in with him and before the new baby is born.

Whats more likely to happen though is that he will buy a place in his name only and move the OP in with him :(.

You wouldn't be entitled to anything on UC due to his salary if you live together, no housing allowance, no child benefit/tax credits/free school meals /free childcare/reduced council tax, the only benefit you would receive is for job seekers, so your partner would need to pay for everything out of his take home pay for you as currently you may get around £600 housing allowance, another £300 or so for child tax credits /benefits and all the other things you would be entitled to living by yourself with a child, I know from previous experience this has resulted in a partner loosing around £1350 in benefit money each month and myself expected to pay that chunk out of my take home pay Which was I could not do and so resulted in the relationship breaking down as we couldn't have a future together due to the position she was in as would never be able to live together.

"You wouldn't be entitled to anything on UC due to his salary if you live together, no housing allowance, no child benefit/tax credits/free school meals /free childcare/reduced council tax, the only benefit you would receive is for job seekers"

Some of the above is wrong:

• OP can continue to claim child benefit, but if living with her partner, he might need to pay some of it back: www.gov.uk/child-benefit-tax-charge
• OP will only be able to claim new-style Jobseeker's Allowance if she worked and paid National Insurance between April 2017 and April 2019, and if she is actively looking for work, which seems unlikely as a pregnant SAHM to a 2 year old - of course OP could work between now and the birth of her baby, but might prefer not to.

Sorry got those dates wrong, it's April 2018 and April 2020 (I forgot it's 2021 for a minute there )

Don’t leave your secure home to move in with someone who will have to entirely keep you and your children without the security of marriage at the very least

Don't give up your social housing OP. He should move in with you. Preferably get married and save together once you are back at work for a deposit on a home in both your names.
You only have to read the relationship board to know how stuffed you would be in 10 years if you give up your place, work part time, and the relationship ends.

@AnotherEmma

Why can't he move in with you (ie into your social housing property)? As Stephen said, it would be better to stay in social housing than to move into private rented. If the location or size is no longer suitable for your family, look into a swap.

£52k/year is a very good salary, does he own any property or have any savings?

As PPs said, when you move in together you will no longer be entitled to UC and he will be expected to support the family financially on his salary. I agree that getting married would be a good idea. People usually live together first, but you're already pregnant, so you've skipped that step anyway - might as well get married!

Hi I currently live in a small 1 bed temporary accommodation on council list for a 2 but have been waiting 2 years and still nothing. He rents with someone else currently. Does marriage make a difference to moving in together haha im all new to this we have no idea how it all works

www.citizensadvice.org.uk/family/living-together-marriage-and-civil-partnership/living-together-and-marriage-legal-differences/

@StephenBelafonte

I doubt you'd be entitled to universal credit on a household income of £52k per year.

Why are you giving up your social housing? It's much better than private renting!

I live in a small 1 bed temp flat and its not the best! Been on the council list for 2 years and no hope yet!

Ok so the way it works is
You'll lose all your income when you move in with him and be totally reliant on him for paying for everything
You'll lose your priority banding for secure housing and be totally reliant on him for a home for you and your kids
If you're not married and he kicks you out you won't be entitled to more than child support even if you've lost earning capacity to raise his child and he's spent years building equity in a property because you've been looking after his kid and earning nothing

Basically we are saying be smart, rely on yourself not a man and if you do rely on him protect yourself by the legal contract of marriage

You need to spend a good few hours reading up on exactly how it all works. You need to make the right decisions in the right order to protect yourself, your child, your unborn child and your relationship.

Have you discussed marriage?

Did you discuss what would happen financially and in regards to where you would live prior to conceiving?

You again.

Surely after the second or third unplanned pregnancy with this man, you’ve discussed your long term plans?

Ouch

You should continue to claim child benefit in your name, because this pays your "stamp" towards your state pension

He can lower his pay to under 50k by paying into a private pension

You need 35 qualifying years to claim a full state pension & child benefit goes towards this. There is more info on www.gov.uk

Suggest you discuss this first before moving in together

If you are NOT working

Will he make his bank account joint, so that you have equal access to view & spend the money ?

Or will you have your own seperate accounts & he pays the bills ? Potentially the only money you could have is child benefit & child maintenance (if your other child has a different father ?)

Discuss marriage or civil partnership

Op do you work?
If you move in with him then you will lose all of your benefits and only have his money to live on. Have you discussed this with him and set up access to his money etc? You really need to be married in situations like this otherwise you are very vulnerable.

How long have you been together?

I wouldn't move in with him in these circumstances. You leave yourself extremely vulnerable and he may resent the fact he has to now completel financially support you the household. As much as it's a pita.. Stay where you are until you get a better place and keep your entitlement.