Universal credit advice

[Mumneedshelpandadvice]

Hello
I need some advice please
I split up with the kids dad 4 months ago.
We have a joint mortgage on a house, I have chosen to move out and rent as we were house sharing and it was not working. He put all the money into the house inc deposit etc and I just wanted to get away. We decided when it’s due the remortgage next June he will remortgage alone and I’m coming off the mortgage.
anyway I am now private renting with the two little ones, I work full time but have been claiming universal credit to help pay the rent as I cannot afford it all alone. I’ve now received a message to say I need to provide an a64a form in regards to owning a house I don’t live in and bank statements.
does anyone know what this form is and where I will get one?
will this stop me getting universal credit towards my rent? As I’m not making any form of money from this house, my ex is living there. Any advice is greatly appreciated. Thank you

It’s complicated OP, you can still claim UC while jointly owning a property that you do not live it but only if certain conditions are met, the main ones being that

1. You are not living in the home
   you own

2. You are paying rent where you currently live

3. You do not receive rental income or if you do then you declare it

4. You can’t sell or access the equity in the home e.g. if joint owner refuses to sell, it’s up for sale but hasn’t sold etc

The other thing to consider though is that your ex partner will need to buy you out of your home, otherwise you would be classed as depriving yourself of assets and your UC would stop. You cannot just come off the mortgage.

Your ex needs to buy you out of the home or uour uc will stop. Its very complicated.

If you break it down it's not that complicated; is your share of the house worth more that £6k/£16k.

You need to ascertain/understand the market value of your share in the home you co-own with the ex. I suspect the form you mention is intended to help DWP form a view on that.

It's important to understand that the market value of your share may be way less than 50% of what it might sell for. This area needs professional advice.

If your share is worth enough to affect UC then there are provisions where capital can be disregarded set out in Schedule 10 to the UC Regulations.

Speak to Citizens Advice or another reputable body.