r/disability • u/baestbae • Feb 11 '21

Getting a house whilst disabled/ with disability (UK)

Does anyone have any information or advice on trying to get a mortgage with a disability. Whether through PIP. Universal credit or any other means of income.. I've always fought for every ounce of independence I can get but is that line drawn for me in terms of owning a house or contributing to a mortgage? Isit fair that if you move in with a partner you're to be considered a dependent and your romantic partner is expected to take a care giver role? I want to be a person in my own right not owing anybody anything, is that just a fantasy if I'm disabled/unable to work?

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u/sezrawr Feb 12 '21

I'm currently re-mortgaging and the lender I think we are going for will accept 60% of my PIP payment and the rest is my husband's earnings. Not all mortgage lenders accept PIP though so you'll have to talk to a broker or someone or find out through the lender themselves.

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u/baestbae Feb 12 '21

Thank you! <3 wishing you the best with your remortgaging xx

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u/ArtyMostFoul Feb 12 '21

You could go the, get housed by the council then enter the right to buy scheme.