Anyone know how having 2nd property affects benefit claim?

[onlygotonelife]

Am in horrendous debt due to ex, currently sahm with 2 pre school kids, youngest 6months.

all debts, but also assets in my name

have put in claim for IS etc, but need to supply more info.

Have a flat rented out,which doesn't make any profit after mortgage and service charges.

Will I have to sell flat to get any help? Would they help me til it sold if so?

Was hoping not to sell yet as hoped to see if prices increase so can pay off some debt, otherwise probably would just about repay mortgage. Can't even afford any upfront costs of selling - does the hip have to be paid forin advance?

Pretty desperate at moment.

Can they turn down my claim because of the flat? Even though I have no money? Help!

'All I want is a safe home for me and the kids, enough money to live, however frugally, and a way to pay back the debts'

Yes, but the problem is the fact that you do own two properties.

You really need some in-depth advice because your case isn't as straightfoward.

Wish I didn't own them - more of ex's decisions. Both just burdens, for different reasons.
Will go see CAB, was also thinking of talking to Womens Aid because of ex's behaviour,so perhaps they can give advice too
Anyway, have submitted claim for benefits, so once I gather all the necessary docs, I will find out the decision.

There is a difference between having a second home (eg holiday home) and having a property which is rented out for property law. You can get Council Tax benefit if you have a property which is rented out for example, though of course any income from that property is taken into account. The tenants will be liable for paying CT on the 2nd property. The benefits system also recognises that you can't quickly liquidate a second house if the tenants have certain types of tenancy agreements. It is definitely worth getting advice from CAB or similar.

Thanks LadyMuck