Will my benefits count towards income for a mortgage?

A question I have received previously asks whether benefits can count towards mortgage affordability calculations. The simple answer is yes, they can; the long answer is below.

DWP - Changes to Universal Credit

From September 2022 changes to Universal Credit are being introduced. It is expected over 100,000 claimants will start being pressured into getting a job or even one that pays more to avoid work reviews.

Support for Mortgage Interest

Support for mortgage interest (SMI) is a government scheme to help struggling homeowners pay their mortgages. It is as you would expect packed with rules for qualification. So it may not be for everyone.

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