Getting a remortgage on universal credit?

[Mumsworld112]

Hi

I used to be self employed hence why I bought my own house and got a mortgage, but the mortgage is coming to an end in 6 months and I am currently on universal credit as I have 9 month old twins and can’t work yet.
Will I still be able to remortgage once my fixed term comes to an end if I receive universal credits?
I have a good credit score and never fell behind on and payments even whilst being on UC.

please help

I did but I needed to stay with the same provider as they didn’t run a credit check. I was working and got avtop
uo but don’t think that would of made a difference.

Do you have any other income at the moment apart from the UC? Or a partner on the mortgage with an income? Lenders who accept UC generally also look for some employed/self employed income too.

No right now I can’t work at all.
my partner doesn’t live with us he fluctuates between here and another city so it’s only my name on the mortgage.

You’d likely only be able to re-fix with the same lender as they don’t usually re-do all of the income/affordability/credit checks

It might be tough. If you can rate switch with your current lender that might be your best bet. Otherwise you'll likely need to speak to a mortgage advisor. Lenders who would accept you will charge eye watering rates. If you plan to get back into work in the near future it might be better to take the hit on the variable rate and then fix it to a better rate when you have an income. I know there is a lender called Together who accept benefit income at 100% but again, they might require additional income and/or give fixed rates of around 9% (don't quote me though. I do work in mortgages)

Stay with the same lender and they don't ask for evidence of employment.