SAHC coming into money seeking advise

[Sophietherese1998]

So I'm 26 I live in a council property with my 3 yo son. He's non verbal ASD. He doesn't cope well without me past an hour and a half so I've been put as his carer on UC and claim DLA ect for staying home with him instead of working.

My father died last year and in his will has left me and my 2 sister 100k each. This broken down after inheritance tax if enough funds are there comes to about 77k.

My original wish was to buy a house but so far looking I'm not going to be able to afford one and I have a shocking credit history and technically I'm not classed as employed so I'd never qualify for a mortgage. But I'd like to do something of use with it. I understand a lot of people invest but my worry is I live soly on UC if I get this money all means tested benefits stop past 16k. So if I claim it then out it into an account I'd have to try live off it for X amount of time and I worry that plan would be a but slow in the long run ( though I truly have no clue) my mum has explained I can't just buy a house outright you have to pay fees ect. And I dint know anything about investing.

Any advise or any directions would be hugely appreciated I have about9 months until the money is due to be settled.

Whereabouts are you location wise?

Depending on the time since he died etc (you'd need solicitor advice) you might be able to do a deed of variation & give the money/ most of it to your son? Might mean you're able to continue claiming whilst also giving him a nest egg for the future?

With the exception of buying a house with it you’re going to be very limited in what you’re actually allowed to do. You aren’t allowed to simply spend or invest it freely because it is classed as intentionally depriving yourself of assets in order to continue receiving UC and they are really tight on it to ensure this is not the case.

He died last May. He fell off a boat in a yacht race in France. He wasn't brought home until June and then cremated in the July. His will was only read in Feb and wete still awaiting the death certificate from France and a break down of assets.

I was very upfront with UC when I found out. They've basically said since I've supplied to my council to rheometer us as my house is a death trap for my 3 year old he has no sense of danger. I applied last year but got rejected. I'm awaiting OT to come out and assess the home and have a local MP waiting to write me a supporting letter. My true hope as greedy as it may sound is to qualify for a bungalow that I could use the money to fix up. Learn how to drive. But this feels very selfish and like a long awaiting goal.