Can You use Maintenance and Benefits as Income for your Mortgage?

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Can you use maintenance as income for your mortgage? The answer is yes. Does it always have to be court-ordered? No.

It does have to be on your bank statements. We have to ideally see that being paid over a three to six month period and it needs to be the same amount going in per month so that we know that that’s going to be regular income for you.

You can also use benefits as income. Different lenders offer different affordability, so it’s best to speak to a broker to guide you through the process and help you with what combination is going to work best. Please speak to us and we’ll help you work out who’s going to be the best lender for you, what your affordability looks like, and we’ll make it really easy for you.

I hope this gives you some reassurance and clarity. At The Mortgage Mum we understand, so please get in touch with me or my team to help you.

Sarah Tucker

Mortgage Broker and founder of The Mortgage Mum

www.themortgagemum.co.uk

sarah@themortgagemum.co.uk

https://www.instagram.com/the_mortgage_mum/

https://www.facebook.com/themortgagemum1

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We always aim to provide a high quality service to our customers. However, if you encounter any problems, please find our how to make complaint procedure.

If we are still unable to resolve them, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service here.

*Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services.

Most images of The Mortgage Mum team supplied on this website are to the credit of Stephen Wallace Photography.

The Mortgage Mum Limited is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only. Registered address: 539-541 London Road, Westcliff-on-Sea, Essex, SS0 9LJ. Registered Company Number: 11723322. Registered in England & Wales.

The Mortgage Mum Specialist Finance Ltd (TMMSF) FCA No 999350 is permitted to provide regulated and unregulated advice. TMMSF is an Appointed Representative of New Leaf Distribution Ltd who are authorised and regulated by the Financial Conduct Authority FCA No 460421.

Your home may be repossessed if you do not keep up repayments on your mortgage. TMMSF Ltd is registered in England and Wales. Company number: 14619044. Registered office 539-541 London Road, Westcliff-on-Sea, Essex, SS0 9LJ. Registered in England & Wales.

A fee may apply for mortgage advice and, if applicable, you must ask your adviser for details before making any decision relating to a new mortgage as the actual amount will depend on your personal circumstances, but we estimate the typical fee to be £995. Commercial products including bridging, secured loans, business loans and commercial property will have a different pricing structure which you will be advised of before any applications are made on your behalf. Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services.

We always aim to provide a high quality service to our customers. However, if you encounter any problems, please find our how to make complaint procedure. If we are still unable to resolve them, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service here. *Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services. Most images of The Mortgage Mum team supplied on this website are to the credit of Stephen Wallace Photography.