Receiving benefits doesn't automatically prevent you from getting a mortgage. Some lenders accept certain benefit income - Universal Credit, Disability Living Allowance (DLA), Personal Independence Payment (PIP), child benefit - as part of the affordability assessment, particularly alongside earned income. We identify those lenders and present your income correctly.
Which benefits lenders accept
Lenders vary in which benefits they'll count toward affordability - child benefit, DLA/PIP, Universal Credit, carer's allowance and others. We confirm which lenders accept your specific benefit income and how they weight it.
- Child benefit, DLA, PIP commonly accepted
- Universal Credit accepted by some lenders
- Benefit income weighted per lender rules
Combining benefits with earned income
Benefit income is most powerful when combined with earned income, increasing the total assessed figure. We present both income streams together to maximise borrowing, with clear evidence of each.
- Benefits combined with earned income
- Both streams evidenced clearly
- Total assessed figure maximised
