Working tax credits and child tax credits..Whats the difference?

[matchingsocks]

We have had a change of circumstance,
DH earns £17,000 for 30 hour week
I get £11,000 for 30 hour week.
Sounds OK but have outgoings of £1,600 if you include childcare which is by an unregistered provider (all we could get!)
so unable to claim costs back.

Our mortgage is more than we can afford, house is up for sale but not sold yet!

We already get C.Tax Credits but wondered if we are eligible for working tax or is it just the same thing?

It is all on the same application. It is just divided into working & chil tax credits.

Childcare help would come under working tax credits, otherwise you have to be a low earner to get working tax credits.

You don't need to apply seperatly, they come up with the magical numbers for you.

you can only get working tax credits if you are working and meet the income figures, anyone can get child tax credits whether they work or not.

you might find you can get some working tax credit but I don't think it will be much, worth applying though

P.S. have you notified them of the change of circumstance? YOu should as it may affect your payments.

WTC is capped at around 16.5k, on a combined salary of £28k you wouldnt qualify for WTC.

Okay, Thanks all,

Just have to hope that someone buys our house and soon then!