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Can I get housing benefit if I have a mortgage?

Can someone on housing benefit get a mortgage?

  • My friend has asked me if someone on on HB can get a mortgage, shes finding it hard to find a place to live and thinks getting a mortgage will help, so i was wondering if any of you knew if she could?

  • Answer:

    just wondered -if she can't afford to pay her rent, how is she going to afford a mortgage, She will off course have to have a decent deposit to buy a property, and enough money to pay all the legal fees and surveys etc

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What? Of course she can't! How would she pay it? You have to have an income and enough savings for a deposit in order to get a mortgage.

No, because housing benefit is only paid to people who are renting and not to homeowners, and she'd be a homeowner if she had a mortgage.

NO and the council will NOT pay a mortgage

HOW, you've got to be something like 3 months in arrears with your mortgage for HB to even make interest payments! even if she got an interest only mortgage, @ 6% on a £100k starter home say £115.00 pcm it's more than the housing allocation for a single person of about £92.50 pw, then you've got blp etc.

Probably not.

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