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Original poster

Universal credit when name still on mortgage?

15 replies

MessInADressingGown · 04/02/2022 22:10

I split with my partner a couple of months ago and moved in with my parents. I have a 5 year old and a 4 month old. We haven't sorted out the mortgage yet (my name is on it but he wants to buy me out) or what he's going to pay in maintenance. He given me £100 in 2 months so far and I'm bottle feeding so it needs to include formula! I was a SAHM depending on him (he earns £60k)

I've applied for universal credit and it seems positive although they need me to fill in a form about my 'Capital'

Do you think it's likely I will get it given my name is still on a mortgage? Also on the minute chance me and ex get back together what do I do, just inform them and have it stopped?

OP posts:

Bagelsandbrie · 04/02/2022 22:25

I may be wrong but being on a mortgage has nothing to do with universal credit. Savings do have an impact but I can’t remember the exact amount.

Babyroobs · 04/02/2022 22:27

I guess when he buys you out if you have a lump sum over 16k then your Uc will stop Anything over 6k will reduce your Uc each month.
I would leave a message on your Uc journal asking about capital tied up in a house. I know if the house was on the market to be sold then the capital can be disregarded whilst on the market but I'm not sure what happens in your situation as the house is not being sold but you still have capital tied up in it. how much equity is in the house ?

Babyroobs · 04/02/2022 22:27

@Bagelsandbrie

I may be wrong but being on a mortgage has nothing to do with universal credit. Savings do have an impact but I can’t remember the exact amount.

It does if you are not living in the property.

Bagelsandbrie · 04/02/2022 22:29

@Babyroobs ahhh I see.

Original poster

MessInADressingGown · 04/02/2022 22:31

Thank you. They're sending me a form of some kind to fill in information about the mortgage. (I think) there's around £50,000-£60,000 equity on the house. He offered £20,000 to buy me out but I think that was just a number he got off the top of his head!

OP posts:

Bagadverts · 04/02/2022 22:40

You do need to let them know about all capital and that includes the house as you are not living in it. Property can be disregarded for 6 months or possibly longer if you are selling it. In the case it would likely include selling to your ex.

When it is sold any equity will also be ignored if you are going to use it to buy a new property to live in. If not and more than £16,000 would mean universal credit will stop. If more than £6000 will affect how much you get.

www.turn2us.org.uk/Jargon-buster/Disregarded-Property

Child support will not affect universal credit but again needs to be disclosed and spouse maintenance would affect universal credit.

www.entitledto.co.uk/help/Non-work-income-overview-Universal-Credit

Babyroobs · 04/02/2022 22:43

@MessInADressingGown

Make sure the house is properly valued. I would advise seeing a solicitor.

Bagadverts · 04/02/2022 22:48

Indeed what @Babyroobs said. Have you had legal advice, not just in valuation but on what happens to the property, he wants to buy you out, is that what you want or might you want to live there?

Original poster

MessInADressingGown · 04/02/2022 22:53

I'd much prefer to live there as I love the house and have put a lot into it over the years, plus it's not idea at my parents. I'm sharing a bed with my 5 year old and my daughter is squeezed under a draughty window in her Moses basket!

But he says he can't afford to move out and pay for somewhere to rent while paying for the mortgage as well, I can't work full time with 2 DC and even if I could what I'm trained in wouldn't be a high enough wage to cover it on my own. I said I'd rather have the house and he said he couldn't believe how selfish I was being as I have somewhere to go (my parents) and he doesn't.

OP posts:

Original poster

MessInADressingGown · 04/02/2022 22:54

Solicitors are expensive though aren't they? I have very little money.

OP posts:

Bagadverts · 04/02/2022 23:02

There is some information here. If it is amicable you may be able to go for mediation to try to sort out your differences.
The links below relate to England.
www.citizensadvice.org.uk/family/how-to-separate1/

www.citizensadvice.org.uk/family/if-you-were-living-together/

Original poster

MessInADressingGown · 04/02/2022 23:17

@Bagadverts thank you very much :-)

OP posts:

unicornsarereal72 · 05/02/2022 13:34

Get legal advice. Some place will offer you 30 mins free or a one of payment for advice.

Cms. Go through them for child support £50 a month is not going to touch the sides of what he should be giving you. Do not compromise on this. He has clearly shown you he priorities his own needs over that of his children. What his costs are are irrelevant.

PicaK · 08/02/2022 13:04

You will get universal credit. What you won't get is any housing benefit because you are on the mortgage.
When the house sells and you get the money I think there's up to 6 months grace if you are in the process of buying a new place. So they don't count it as savings in that time so you still get UC.

Introvertlove · 08/02/2022 19:50

Yes you will get universal credit, I also am in the same situation as yourself and I get universal credit. I don't get much now, but it really helped when I first moved back to my parents and looking for a new job. When you do go back to work in the future you can also get 85 per cent childcare costs paid for. However I do not get the full 85 per cent as it depends on pay. But every little bit helps.
I would suggest to go through child maintenance to. You will have to pay £20 for the application, but they will work out a payment schedule and amount.
Also I hope you're okay

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