Has anyone used Child Disability Payment as part of a mortgage application?
We were homeless and bought a house using LIFT (we are in Scotland) that is totally unsuitable and resulted in me doing a 1 hour round trip for school runs twice a day. We are desperate to move back to our village of 10 years, we know people instead of being isolated.
My son is 10 and awarded highest rate for care and mobility for ASD&ADHD. I cannot explain the depth of difference this has made to our lives and I'm so grateful. He is now THRIVING. I work very hard to work as though I don't work for him, I am chronically exhausted. He has a 14 yo brother.
I am increasing my hours to get just under full time, working around the commute and school and activities. But even with that, as a lone parent i am up shits creek.
My son is due for renewal in 2029 and do not expect he will be awarded highest. I worry about it all the time, therefor, because I think my income will drop, I can't use this as part of a mortgage can I? Has anyone ? Houses are not cheap, and any cheaper ones that do come up go very quickly and I suspect I couldn't compete. I just need some help to make informed decisions. It's been two years and I just want to be able to go home.
Thank you 😊