What benefits can I use to get a mortgage?

If you rely solely on benefits for your income, it will be difficult getting a mortgage, warns Scope, the charity that promotes equality for disabled people.

It is not your disability – or even the fact you are in receipt of benefits – that disqualifies you from eligibility for a mortgage. Indeed, the Equality Act 2010 makes it unlawful to discriminate against someone on the grounds of their disability – so, any mortgage lender who did so would be breaking the law.

If you are on any kind of welfare benefit, your difficulties boil down to the affordability test that any lender is obliged to conduct before granting you a mortgage. Since your income from benefits alone is likely to be quite severely limited, you may not pass that affordability test. And if you cannot pass the test, the lender is obliged by the industry regulator, the Financial Conduct Authority (FCA), to decline your application for a mortgage.

If your regular and sustainable inco…

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