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Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Money/benefits

3 replies

Shannonz · 16/10/2024 01:32

Myself and my long term partner (ex) have split up, we have decided that he will pay move out but pay a share of the mortgage and I will stay in the property until both the children are 18 and then sell. This hasn’t been done legally/through the courts just something we have both agreed on.

My question is since we will both be down as owning the property will this have an affect on some benefits I can claim such as single persons council tax discount and working tax credit etc? I work full time however I’ll obviously be paying my half of the mortgage, all the bills and some personal debt so will be a big financial strain, I’ve never had to claim a benefit in my life (not that it’s anything wrong with it) just a bit clueless and trying to find out if there’s any help out there!

OP posts:
2twomanychannels2 · 16/10/2024 01:42

The general consensus is to get your own legal advice. He may say he will pay until the children are 18, but his & your circumstances may change over time.

Would you claim child maintenance also ?

Ref benefits, suggest read the below

https://www.gov.uk/universal-credit

Good luck

Universal Credit

Universal Credit is replacing 6 other benefits with a single monthly payment if you're out of work or on a low income - eligibility, how to prepare.

https://www.gov.uk/universal-credit

Hoppy34 · 16/10/2024 07:11

My friend separated from her husband a few years ago and although he’s still on the mortgage she is able to claim full tax credits and single person council tax. Some people have their parents on their mortgage in order for them to buy a house without them living there.

ViciousCurrentBun · 16/10/2024 09:20

Get legal advice.

I know someone that did this, after a decade he was declared bankrupt. The house was an asset which they came after understandably. Her Mum very thankfully could pay them off. She did it through a solicitor/court who managed to negotiate the amount down. How old are the children? It’s all ok now but if either of you gets a new partner it could change how the ex feels.

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